Sezzle Inc. (SEZL)
NASDAQ:SEZL
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Earnings Data
Report Date
Aug 12, 2026Before Open (Not Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.02Last Year’s EPS
0.69Same Quarter Last Year
Strong Buy
Based on 6 Analysts Ratings
Earnings Call Summary
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.Company Guidance
Strong Top-Line and GMV Growth
Gross merchandise volume (GMV) grew 37.3% year‑over‑year to ~$1.1B in Q1; total revenue grew 29.2% year‑over‑year. Q1 GMV nearly matched the Q4 holiday GMV of $1.2B, indicating strong demand and momentum.
Exceptional Profitability and Margins
GAAP net income was $51.3M, representing a 37.9% profit margin; adjusted EBITDA was $71.1M, a 52.5% adjusted EBITDA margin. Gross margins reached 74% of total revenue in the quarter (seasonal note acknowledged).
Raised Full-Year Guidance
Company raised full‑year guidance: total revenue growth target increased to a new range of 30%–35% (from prior 25%), adjusted net income guidance increased by $10M to $180M, and adjusted EPS guidance raised to $5.10 from $4.70.
Improved Engagement and Subscriber Growth
Total subscribers increased by 44,000 to 714,000 (≈+6.6% sequentially), and average quarterly purchase frequency rose to 7.1x from 6.1x year‑over‑year (≈+16.4%), indicating stronger repeat usage and engagement.
Successful Product and Ecosystem Expansion
Launched/expanded multiple products: Pay‑in‑5, enhanced long‑term lending, virtual card in Canada (select merchants), and Sezzle Mobile plan (AT&T unlimited starting at $29.99 for Sezzle Anywhere members). Earn tab generated 4.8M visits and produced a 55% increase in BNPL conversion within 30 days of first activity.
Marketing Investment with Attractive Payback
Marketing spend more than doubled year‑over‑year, yet management reports a payback period of under 6 months and continued ability to scale spend where returns meet targets.
Unit Economics and Cost Leverage
Revenue less transaction‑related costs and other unit economics improved: transaction expense benefited from shift to ACH, provision for credit losses fell YoY, net interest expense low at 0.3% of GMV. Management exceeded a Rule of 40 score of 80 in Q1 and targets revenue‑less‑transaction margins of 55%–65%.
Strong Liquidity and Capital Actions
Ended quarter with $147.4M cash (including $26.9M restricted) and $69M availability on line of credit; repurchased $24.8M of common stock during the quarter.
AI Deployment Driving Efficiency
AI support chatbot resolving ~60%–70% of chats without escalation; AI being embedded across product development, support, BI and underwriting to increase output and operating leverage.
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 |
|---|---|---|---|
May 06, 2026 | $86.02 | $99.82 | +16.04% |
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% |
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 Aug 12, 2026, Before Open (Not Confirmed).
What is Sezzle Inc. (SEZL) earnings time?
Sezzle Inc. (SEZL) earnings time is at Aug 12, 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 (Q2) is 1.02.