Sezzle Inc. (SEZL)
NASDAQ:SEZL
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SEZL Stock Chart & Stats
$80.71
-$13.19(-5.19%)
At close: 4:00 PM EST
$80.71
-$13.19(-5.19%)
Day’s Range― - ―
52-Week Range$49.50 - $186.74
Previous CloseN/A
Volume45.95K
Average Volume (3M)694.63K
Market Cap
$4.91B
Enterprise Value$4.87B
Total Cash (Recent Filing)$120.45M
Total Debt (Recent Filing)$145.16M
Price to Earnings (P/E)32.8
Beta3.40
Next Earnings
Aug 12, 2026EPS Estimate
1.02Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.32
Shares Outstanding33,627,018
10 Day Avg. Volume545,369
30 Day Avg. Volume694,629
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)12.68
Price to Sales (P/S)4.78
P/FCF Ratio10.33
Enterprise Value/Market Cap0.99
Enterprise Value/Revenue10.13
Enterprise Value/Gross Profit11.42
Enterprise Value/Ebitda25.17
Forecast
1Y Price Target
$118.67Price Target Upside47.03% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering6
EPS Forecast (FY)5.09
Revenue Forecast (FY)$591.79M
Bulls Say, Bears Say
Bulls Say
High Profitability & MarginsSezzle has transitioned to sustained profitability with TTM net margins near 31% and very high gross margins. Durable high margins indicate strong unit economics and pricing power in BNPL, supporting cash conversion, reinvestment capacity, and resilience to moderate volume swings.
Strong Cash GenerationOperating and free cash flow turned reliably positive in 2024–2025 and TTM, with FCF tracking net income. This consistent cash generation improves funding self-sufficiency for growth initiatives, reduces reliance on dilutive financing, and supports sustainable marketing and product investments.
Improved Funding CapacityA larger, cheaper receivables facility materially lowers funding costs and increases advance rates, enhancing liquidity for paying merchants and scaling GMV. Strong lender terms reflect confidence in receivable performance and give durable capacity to fund growth and potential capital returns under covenants.
Bears Say
Regulatory & Execution RiskOngoing antitrust litigation and a protracted, uncertain bank charter pursuit create multi‑quarter execution and legal risk. Both can divert management attention, raise compliance costs, and constrain strategic options if outcomes limit product rollout or require operational changes.
Revenue Yield & Credit VolatilityAn 80bp YoY drop in revenue yield and early indications that Pay‑in‑5/new users carry higher loss rates signal pressure on per‑transaction economics. This can compress long‑term margins and require higher provisions, making earnings and free cash flow more sensitive to product mix shifts and credit cycles.
Governance TensionA director resignation over strategic differences reveals governance frictions that could impede strategic alignment. While a qualified replacement was named, persistent board‑management tension can affect oversight quality, slow decisive action on regulation or chartering, and raise investor governance concerns.
Sezzle Inc. News
SEZL FAQ
What was Sezzle Inc.’s price range in the past 12 months?
Sezzle Inc. lowest stock price was $49.50 and its highest was $186.74 in the past 12 months.
What is Sezzle Inc.’s market cap?
Sezzle Inc.’s market cap is $4.91B.
When is Sezzle Inc.’s upcoming earnings report date?
Sezzle Inc.’s upcoming earnings report date is Aug 12, 2026 which is in 55 days.
How were Sezzle Inc.’s earnings last quarter?
Sezzle Inc. released its earnings results on May 06, 2026. The company reported $1.43 earnings per share for the quarter, beating the consensus estimate of $1.205 by $0.225.
Is Sezzle Inc. overvalued?
According to Wall Street analysts Sezzle Inc.’s price is currently Undervalued.
Does Sezzle Inc. pay dividends?
Sezzle Inc. does not currently pay dividends.
What is Sezzle Inc.’s EPS estimate?
Sezzle Inc.’s EPS estimate is 1.02.
How many shares outstanding does Sezzle Inc. have?
Sezzle Inc. has 33,627,018 shares outstanding.
What happened to Sezzle Inc.’s price movement after its last earnings report?
Sezzle Inc. reported an EPS of $1.43 in its last earnings report, beating expectations of $1.205. Following the earnings report the stock price went up 16.043%.
Which hedge fund is a major shareholder of Sezzle Inc.?
Currently, no hedge funds are holding shares in SEZL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Sezzle Inc. Stock Smart Score
Outperform
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Analyst Consensus
Strong Buy
Average Price Target:
$118.67 (47.03% Upside)
$118.67 (47.03% Upside)
Blogger Sentiment
Bullish
SEZL Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 65.5K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▲ 3.6%
Last 30 Days ▲ 3.6%
Last 30 Days ▲ 3.6%
News Sentiment
Neutral
Bullish news 59%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-1.52%
12-Months-Change
Fundamentals
Return on Equity
90.93%
Trailing 12-Months
Asset Growth
52.41%
Trailing 12-Months
Company Description
Sezzle Inc.
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.
SEZL Company Deck
SEZL Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted strong top‑line and bottom‑line performance: GMV (+37.3%) and revenue (+29.2%) growth, record profitability (GAAP net income margin 37.9%, adjusted EBITDA margin 52.5%), subscriber and engagement gains, and raised full‑year guidance. Management is investing heavily in marketing and product innovation (Pay‑in‑5, mobile plan, virtual card) with disciplined unit economics, while embedding AI to scale operations. Key cautionary points include seasonal distortion of Q1 margins, a YoY revenue‑yield decline (−80 bps), potential for slightly higher provisions as new products and users scale, ongoing antitrust litigation and the uncertain, lengthy bank charter process. Overall, the positive operational momentum, guidance raise, liquidity strength and profitability materially outweigh the manageable risks and seasonal caveats.View all SEZL earnings summariesSEZL Stock 12 Month Forecast
Average Price Target
$118.67
▲(47.03% Upside)
Technical Analysis
Ownership Overview
49.75% Insiders
7.48% Mutual Funds
14.43% Other Institutional Investors
16.10% Public Companies and Individual Investors