Zacks Investment Research·22h ago
Are Business Services Stocks Lagging Innventure, Inc. (INV) This Year?Here is how Innventure, Inc. (INV) and Sezzle Inc. (SEZL) have performed compared to their sector so far this year.
Sezzle Inc.(SEZL)Earnings, Financials & Key Ratios
SEZL•NASDAQ
$179.05
48.1× P/E·Price updated Jul 6, 2026
AboutSezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company provides payment solution at online stores and various brick-and-mortar retail locations that connects consumers with merchants. Its platform enables customers to make online purchases and split the payment for the purchase in four equal interest free payments over six weeks. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.Show more
- EBITDA$178M+114.1%
- Net Income$133M+69.5%
- EPS (Diluted)3.72+69.9%
- Gross Margin85.35%+37.7%
- EBITDA Margin39.56%+28.9%
- Operating Margin39.26%+29.4%
- Net Margin29.57%+2.1%
- ROE103.34%-27.7%
SEZL Price & Volume
Sezzle Inc. (SEZL) stock price & volume — 10-year historical chart
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Subscription Pivot Drives Robust Margin Expansion Trajectory
Investment Thesis • Updated 2026Q1
VerdictPositive
Growth:Accelerating
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Regulatory late fee caps
Key Thesis Takeaways
- Sezzle has successfully transitioned to a high-margin subscription-led model, evidenced by revenue scaling to $135.5 million in 2026Q1 and the achievement of consistent GAAP profitability.
- While the company has significantly strengthened its balance sheet and reduced its debt-to-equity ratio to 0.74, investors should monitor the sensitivity of its 86.3% gross margin to potential regulatory late fee caps.
- The firm's disciplined capital allocation, including $25.7 million in recent share repurchases, suggests management confidence, though cash flow volatility remains a key risk factor.
Verdict Logic
the company has achieved a sustainable profitability profile with $51.3 million in 2026Q1 net income and a robust current ratio of 3.65, indicating strong short-term liquidity.
SEZL Growth Metrics
Sezzle Inc. (SEZL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years50.26%
3 Years53.06%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM38.99%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM41.36%
Return on Capital
10 Years-16.61%
5 Years19.72%
3 Years63.55%
Last Year70.27%
SEZL Recent Earnings
Sezzle Inc. (SEZL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (100%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
May 6, 2026Metric
Actual
Est
EPS
$1.43+15.3%
$1.24
Rev
$136M+4.9%
$129M
Q1 2026
Feb 25, 2026Metric
Actual
Est
EPS
$1.21+26.0%
$0.96
Rev
$130M+1.8%
$128M
Q4 2025
Nov 5, 2025Metric
Actual
Est
EPS
$0.71+9.2%
$0.65
Rev
$117M-9.0%
$128M
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$0.69+19.0%
$0.58
Rev
$99M+4.0%
$95M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 6, 2026 | $1.43vs $1.24+15.3% | $136Mvs $129M+4.9% |
| Q1 2026 | Feb 25, 2026 | $1.21vs $0.96+26.0% | $130Mvs $128M+1.8% |
| Q4 2025 | Nov 5, 2025 | $0.71vs $0.65+9.2% | $117Mvs $128M-9.0% |
| Q3 2025 | Aug 7, 2025 | $0.69vs $0.58+19.0% | $99Mvs $95M+4.0% |
Based on last 12 quarters of dataView full earnings history →
Latest SEZL News
Recent stock market news and headlines for Sezzle Inc. (SEZL)
The Motley Fool·6 days ago
Sezzle Still Looks Attractive at Its Current LevelSezzle is attracting a large number of young customers, giving it a solid foundation for continued revenue growth. The fintech company has introduced multiple products that make it a deeper part of everyday spending and shopping experiences.
Seeking Alpha·Jun 30, 2026
Sezzle: The Next Financial Ecosystem Leader?Sezzle remains a buy as robust Q1 results and raised guidance showcase accelerating growth, profitability, and cash generation. SEZL's disciplined underwriting, high user engagement, and new subscription-based offerings drive superior margins and operating leverage versus BNPL peers. Management's evolution strategy aims to diversify revenue with new financial products and a rewards-driven ecosystem, boosting engagement and long-term monetization.
Zacks Investment Research·Jun 29, 2026
Buy 5 Mobile Payments Stocks to Enhance Your Portfolio ReturnsV, PAY, CPAY, SEZL and RELY are five mobile payments stocks positioned to benefit from the long-term shift to cashless payments.
24/7 Wall Street·Jun 26, 2026
Sezzle CEO Says BNPL Market Share Is Coming From Regional Banks, Not Rivals, as Stock Soars 150% YTDSezzle CEO and Executive Chairman Charlie Youakim appeared on CNBC's Squawk Box on Friday, June 26, to argue that the buy-now-pay-later sector is pulling market share from legacy regional and community banks and credit unions that never built the digital-first payment rails that younger consumers now expect.
Peers Comparison
Key metrics vs top competitors for Sezzle Inc. (SEZL)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $179.05 | $6.02B | 48.13 | 66.08% | 29.57% | 103.34% | — | |
| $85.78 | $28.57B | 571.87 | 38.8% | 11.95% | 11.17% | — | |
| $3.13 | $370.02M | -87.68 | 288.02% | -5.95% | -7.04% | — | |
| $10.01 | $862.81M | 10.11 | 13.52% | 10.86% | 23.06% | — | |
| $95.83 | $1.45B | 16.08 | 53.29% | 10.79% | 21.82% | — | |
| $76.77 | $26.68B | 8.26 | -7.91% | 18.08% | 21.41% | — |
Compare SEZL vs Peers
Sezzle Inc. (SEZL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SEZL SEC Filings & Documents
Sezzle Inc. (SEZL) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 6, 2026·SEC
Material company update
Apr 15, 2026·SEC
Material company update
Apr 9, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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SEZL Frequently Asked Questions
Sezzle Inc. (SEZL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Sezzle Inc.'s revenue?
Sezzle Inc. (SEZL) reported $480.9M in revenue for fiscal year 2025.
How fast is Sezzle Inc. growing?
Sezzle Inc. (SEZL) grew revenue by 66.1% over the past year. This is strong growth.
Is SEZL profitable?
Yes, Sezzle Inc. (SEZL) is profitable, generating $148.3M in net income for fiscal year 2025 (29.6% net margin).
Dividend & Returns
What is SEZL's return on equity?
Sezzle Inc. (SEZL) has a return on equity (ROE) of 103.3%. This is excellent, indicating efficient use of shareholder capital.
What is Sezzle Inc.'s free cash flow?
Sezzle Inc. (SEZL) generated $238.5M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.