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SEZL

Sezzle Inc.

SEZL

NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $5.9B

$184.21

+5.15%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$49.50 - $186.74

P/E

43.65

Fwd P/E

36.01

Beta

6.97

Div Yield

0.00%

Avg Vol

718.7K

Shares Out

34.2M

Mkt Cap

$5.9B

Price action

Price chart

Up 1.7% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

Bull Case

4 reasons

  • Interest-free, transparent payment structure with no hidden fees
  • Established merchant network across online and physical retail locations
  • Technology-enabled platform with seamless consumer experience
  • Early-mover advantage in North American BNPL market

Bear Case

2 risks

  • Very high volatility (beta 7.0). Expect 3x market swings. Position size accordingly.
  • Growth premium of 3.1x vs Digital Payments peers. Significant premium - requires sustained high growth to justify.

Growth

Moderate growth ahead

Increasing consumer adoption of buy-now-pay-later payment methods

Value

Growth premium of 3.1x vs Digital Payments peers. Significant premium - requires sustained high growth to justify.

Momentum

Hot

+174.8% over 3m

Quality

Excellent

High-growth business (51% revenue growth, 89% gross margin). Profitable with strong growth momentum.

Dividend

None

No dividend

Earnings track record

Latest print - beat on both lines

AI-summarized recap of last quarter, plus the surprise on every print.

Next: May 5, 2026

Q2 26 RECAP

MAY 6, 2026

Reported EPS of $1.43 vs $1.24 consensus (+15.3% surprise). Revenue of $135.5M vs $127.7M expected (+6.1%). Beat on both top and bottom lines.

EPS beat +15.3%
Rev beat +6.1%
Double beat

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+15.3%

Next: May 5, 2026

Revenue trend · last 8Q

+114%

+138%

+79%

+69%

+37%

+29%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$53.1M

$66.6M

$94.8M

$104.9M

$98.7M

$116.8M

$129.9M

$135.5M

Margins · last 8Q

Gross

Operating

Profit

37.9%

Wall Street consensus

4 analysts · 75% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

3

75%

Hold

1

25%

Sell

0%

Median Price Target

Latest: Oppenheimer · Jun 29, 2026

vs Industry

How SEZL stacks vs Financial - Credit Services

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.