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Sezzle Inc. (SEZL)
NASDAQ:SEZL
Earnings Data
Report Date
May 13, 2026Before Open (Not Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.2Last Year’s EPS
1Same Quarter Last Year
Strong Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call communicated strong operational and financial momentum: robust top-line growth (66.1% FY), meaningful margin expansion, record profitability, substantial GMV gains, improving unit economics, and strong cash generation. Product innovation and AI-driven efficiency were highlighted as durable competitive advantages, and management raised 2026 guidance. Offsetting risks include regulatory uncertainty (state-level actions and the long, uncertain ILC path), a modest planned increase in provision guidance for 2026, a small decline in merchant count, and meaningful absolute OpEx increases tied to growth initiatives and marketing. On balance, the positive results, upgraded guidance, and compelling margin/efficiency improvements outweigh the headwinds discussed.Company Guidance
Strong Top-Line Growth
Total revenue grew 32.2% in the fourth quarter and 66.1% for fiscal 2025, with full-year revenue of $450.3 million.
Record Profitability and Cash Generation
GAAP net income for the quarter reached $42.7 million and full-year net income was highlighted at ~$133.1 million; adjusted net income nearly doubled to $128.4 million for 2025. Net cash provided by operations totaled $209.9 million for the year.
Margin Expansion and Unit-Economic Improvement
Adjusted EBITDA margin expanded to 44.9% in Q4 (adjusted EBITDA $58.3 million) and adjusted EBITDA for the year was $187.7 million. Total revenue less transaction-related costs (gross margin) rose to 64.3% in Q4 and 62.4% for the year, a ~9 percentage-point YoY improvement in Q4 vs prior-year quarter.
Significant GMV and Take-Rate Gains
GMV for the quarter crossed $1.16 billion, up 35.3% YoY; full-year GMV was $3.94 billion, up 55.1% YoY. Take rate was 11.2% in the quarter and 11.4% for the year.
Improved Transaction Economics and Credit Performance
Transaction-related costs fell from 44.3% of revenue in 2024 to 37.6% in 2025, with Q4 at 35.7% (nearly a 9-point YoY improvement). Provision for credit losses finished the quarter at 2.0% of GMV and transaction expense was 1.6% of GMV; net interest expense was 0.3% of GMV.
User Engagement and Subscriber Momentum
Quarterly purchase frequency increased 20% YoY and MODS (monthly on-demand and subscribers) grew by 211,000 YoY. Subscribers grew 30% YoY and 18% sequentially. Monthly app sessions in December rose 51% YoY and repeat usage was nearly 97%.
Product Innovation and Early Traction
Launched and scaled Earn tab (driving >$1M monthly revenue), browser extension, price comparison tools, and receipt-scanning/rewards with record adoption. Sezzle Mobile is planned to launch imminently, and Pay-in-5 and other product extensions are being tested.
Operational Leverage via AI and Proprietary Tools
Company invested in proprietary AI engines, reducing third-party costs and improving build velocity. Non-transaction OpEx fell to 26.3% of revenue for the year (down ~410 bps YoY) and Q4 non-transaction OpEx was 24.6% of revenue, demonstrating operating leverage.
Capital Allocation and Balance Sheet Strength
Ended year with $102.6 million in total cash (including $38.5 million restricted), notes receivable of $254.9 million, line draw of $141.3 million with expanded facility to $225 million leaving $73.5 million unused capacity. Board completed $50M buyback and authorized an incremental $100M program; also completed 6-for-1 stock split.
Raised 2026 Financial Guidance
Raised 2026 adjusted EPS guidance from $4.35 to $4.70 and introduced full-year guidance of 25%–30% total revenue growth and $170 million adjusted net income (adjusted EPS $4.70, a ~30.9% increase vs 2025).
SEZL Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
SEZL Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 25, 2026 | $62.62 | $84.70 | +35.26% |
Nov 05, 2025 | $66.25 | $57.99 | -12.47% |
Aug 07, 2025 | $139.33 | $91.51 | -34.32% |
May 07, 2025 | $52.75 | $74.98 | +42.14% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Sezzle Inc. (SEZL) report earnings?
Sezzle Inc. (SEZL) is schdueled to report earning on May 13, 2026, Before Open (Not Confirmed).
What is Sezzle Inc. (SEZL) earnings time?
Sezzle Inc. (SEZL) earnings time is at May 13, 2026, Before Open (Not Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is SEZL EPS forecast?
SEZL EPS forecast for the fiscal quarter 2026 (Q1) is 1.2.