Sezzle Inc.
SEZL · Price history
Price at last available close
$133.80
+$25.83 (+23.92%) 1M
2026-10-29
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Company & revenue
About Sezzle Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Sezzle Inc., established in 2016 and based in Minneapolis, Minnesota, functions as a tech-powered payment enterprise with operations concentrated in the United States and Canada. It delivers a payment service available at both e-commerce sites and physical retail outlets, facilitating connections between consumers and businesses. The company's platform allows patrons to complete online transactions and divide the total cost into four equivalent, interest-free installments, payable over a six-week period.
How they make money
Sezzle operates a digital payments platform that provides short-term installment financing to consumers. The company generates revenue primarily through merchant processing fees, consumer subscription fees for premium services, payment-related fees, and interchange income from its payment products.
Products & services
Sezzle offers buy-now-pay-later (BNPL) installment products (pay-in-four, pay-in-two), subscription services (Sezzle Premium, Sezzle Anywhere), credit-building features (Sezzle Up), and a virtual payment card.
Brands & revenue mix
Core brand for the digital payment and installment platform.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Payment processing and banking service providers — Various financial institutions and payment processors that facilitate transaction clearing, settlement, and banking infrastructure services.Source
Competitors
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
56
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
80
Strong
Financial Strength
56
Business Quality / Moat
100
Management
100
Growth Quality
78
Risk / Durability
64
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
65
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
68/100
Building Historical Record
Model Score 68/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Recent buyback activity is present
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for SEZL
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can SEZL maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is SEZL's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does SEZL's balance between cash and debt leave enough flexibility if business conditions weaken?
Essential Investment Snapshot
Wall Street Score
56
Opportunity Score
65
Market Cap
$4.53B
P/E Ratio
27.1
EPS
$4.77
52-Week High
$195.71
52-Week Low
$49.50
Beta
6.73
Intrinsic Value
$183.65
Analyst Target
$168.00
Shares Outstanding
35.7M
Total Revenue
$531.9M
Total Debt
$121.8M
Dividend
No current dividend
Liquidation Value / Share
$6.52
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for SEZL
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on SEZL.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Proprietary fraud and risk detection systems.
- +Data-driven consumer limit adaptation.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
- −Credit risk associated with consumer repayment defaults.
- −Regulatory compliance and changes in consumer finance laws.
- −Dependence on third-party payment processors and banking partners.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
60
Oct 1, 2026
Change
-4.2
points
Current Score
56
Oct 19, 2026
Category Changes
SEZL decreased 4.2 points because Capital declined by 4 points, Valuation declined by 18.1 points, Buffett declined by 2.1 points.
Negative Contributors
- − Capital declined by 4 points
- − Valuation declined by 18.1 points
- − Buffett declined by 2.1 points
Projected Score
Projected Score
57
Projected Change
+1.0 points
Preliminary comparable-period financial changes suggest improvement of approximately 1.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$134.06
Model Intrinsic Value
$183.65
Difference
−$49.59
-27.0% vs IV
Margin of Safety
27.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Large reported revenue change: +66.1%
Revenue changed sharply from 2024 to 2025. This can reflect a real business change, acquisition, divestiture, discontinued operations, restatement, or reporting-basis change. Compare the underlying filing before treating it as normal growth or decline.
TTM may combine quarters from before and after the event, so its trend can also be distorted.
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $531.9M | $450.3M | $271.1M | $159.4M | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $48.9M | $66.0M | $103.1M | $85.6M | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $483.0M | $384.3M | $168.0M | $73.8M | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $858K | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $66.8M | $49.0M | $21.1M | $20.6M | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $268.2M | $207.5M | $85.8M | $51.6M | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $305.8M | $267.5M | $82.0M | $24.5M | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $214.8M | $176.8M | $82.2M | $22.2M | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $7.8M | $14.0M | $13.8M | $16.0M | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $200.9M | $162.9M | $67.3M | $7.7M | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $39.5M | $29.8M | -$11.2M | $611K | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $161.4M | $133.1M | $78.5M | $7.1M | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $4.83 | $3.93 | $2.33 | $0.21 | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 33.70M | 33.91M | 35.88M | 34.07M | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 34.83M | 35.74M | 35.89M | 34.07M | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$149.7M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$1.17
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-7.3%
Cash Change
-5.2%
Margin Change
-0.7 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth, debt levels. Pressure indicators included cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 51.7%. EPS increased 53.9%. Cash declined 5.2%. Total debt declined 7.3%. Net income margin declined by 0.7 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
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Sezzle (NASDAQ: SEZL) schedules November 4 results call and investor conferences
Sezzle: Recent Pullback Provides A Good Entry Point
Rumor Mill · SEZL
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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