Sezzle Inc. (SEZL)

US — Financial Services Sector
Peers: WU  BFH  ENVA  BANC  WD  LC  CVBF  SBCF  PRK  HCI 

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Key Metrics & Ratings

  • symbol SEZL
  • Rev/Share 10.2808
  • Book/Share 3.6057
  • PB 20.484
  • Debt/Equity 1.0066
  • CurrentRatio 3.5053
  • ROIC 0.4398

 

  • MktCap 2512973125.0
  • FreeCF/Share 0.7791
  • PFCF 89.1945
  • PE 25.5406
  • Debt/Assets 0.3744
  • DivYield 0
  • ROE 1.0326

 

  • Rating B-
  • Score 3
  • Recommendation Neutral
  • P/E Score 1
  • DCF Score 1
  • P/B Score 1
  • D/E Score 2

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Initiation SEZL TD Cowen -- Hold -- $82 Sept. 11, 2025
Initiation SEZL Oppenheimer -- Outperform -- $168 June 12, 2025

News

Sezzle: A Risky Cocktail Of Slowing Growth, Expensive Valuation, And Deteriorating Credit
SEZL
Published: October 21, 2025 by: Seeking Alpha
Sentiment: Negative

Sezzle is rated Neutral [Hold], due to slowing growth, deteriorating asset quality, and still-exorbitant valuations, despite a sharp stock correction. 2Q25 results showed revenue growth and estimate beats, but rising credit loss provisions, lower take rate, and plateauing core revenue segments disappointed the market. SEZL's growth outlook is now constrained by tighter lending standards, as credit quality worsens, with consumer fee and subscription revenues losing momentum.

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image for news Sezzle: A Risky Cocktail Of Slowing Growth, Expensive Valuation, And Deteriorating Credit
Sezzle: Growth Deceleration Tempering The Buy Case
SEZL
Published: October 17, 2025 by: Seeking Alpha
Sentiment: Negative

Sezzle (SEZL) remains rated Hold despite a 50% correction, as growth deceleration challenges the core investment thesis. SEZL's credit risk and provisioning increases are manageable, but topline growth guidance for 2025 signals a concerning slowdown. Valuation contraction alone is not enough for new entries; growth premium should be penalized if deceleration persists.

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image for news Sezzle: Growth Deceleration Tempering The Buy Case
Sezzle: Growth Remains Intact Ahead Of FQ3 Earnings
SEZL
Published: October 16, 2025 by: Seeking Alpha
Sentiment: Positive

Sezzle remains a "Strong Buy" with a $100 price target, offering 28% upside despite a recent 12% share price decline. SEZL is expected to deliver its sixth consecutive double-beat quarter, with consensus estimates pointing to robust EPS and revenue growth far above market averages. The company benefits from low leverage strong management execution and is well-positioned in the expanding buy now, pay later (BNPL) market.

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image for news Sezzle: Growth Remains Intact Ahead Of FQ3 Earnings
Sezzle Equips Merchants to Capture Price-Conscious Shoppers This Holiday Season
SEZL
Published: October 15, 2025 by: GlobeNewsWire
Sentiment: Neutral

Tools like Sezzle Up, Price Comparison, and Delivery Protection help shoppers buy responsibly while boosting conversion and loyalty for merchants Tools like Sezzle Up, Price Comparison, and Delivery Protection help shoppers buy responsibly while boosting conversion and loyalty for merchants

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image for news Sezzle Equips Merchants to Capture Price-Conscious Shoppers This Holiday Season
DAVE vs. SEZL: Which Fintech Stock Is Poised Well for Growth Now?
DAVE, SEZL
Published: September 25, 2025 by: Zacks Investment Research
Sentiment: Positive

Sezzle posts record growth while Dave expands members and profits. See which fintech shows stronger momentum ahead.

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image for news DAVE vs. SEZL: Which Fintech Stock Is Poised Well for Growth Now?
SEZL Soars 128% in 6 Months: Is Buying Still an Option for Investors?
SEZL
Published: September 15, 2025 by: Zacks Investment Research
Sentiment: Positive

Sezzle's On-Demand momentum is reshaping growth metrics, with surging volumes and rising customer engagement.

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image for news SEZL Soars 128% in 6 Months: Is Buying Still an Option for Investors?
Sezzle: Why 30x Forward FCF Still Makes Sense
SEZL
Published: September 15, 2025 by: Seeking Alpha
Sentiment: Positive

Sezzle offers a compelling investment opportunity, trading at 30x forward free cash flow while targeting 30% y/y growth into 2026. SEZL's business is marked by rapid growth, seasonality, and competition, with near-term volatility driven by holiday revenue recognition and product mix. If SEZL sustains around $100 million in free cash flow and 30% growth in 2026, the current valuation appears attractive despite a modest net debt position.

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image for news Sezzle: Why 30x Forward FCF Still Makes Sense
Can On-Demand's Popularity Continue to Help SEZL Pay Dividends?
SEZL
Published: September 11, 2025 by: Zacks Investment Research
Sentiment: Positive

Sezzle's On-Demand drives record user growth, surging transactions and revenues. However, rising costs test scalability.

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image for news Can On-Demand's Popularity Continue to Help SEZL Pay Dividends?
Sezzle: A Risky Ride With Room To Run
SEZL
Published: September 10, 2025 by: Seeking Alpha
Sentiment: Neutral

Sezzle's float and high short interest create volatility, but underlying business fundamentals are improving rapidly. Merchant adoption of BNPL is strong, driving Sezzle's 74% GMV and 76% revenue growth, with subscriptions now a quarter of the business. Despite increased leverage, Sezzle's earnings power supports its growth, and industry tailwinds could further strengthen its capital position.

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image for news Sezzle: A Risky Ride With Room To Run
Wall Street Analysts Believe Sezzle Inc. (SEZL) Could Rally 49.63%: Here's is How to Trade
SEZL
Published: September 09, 2025 by: Zacks Investment Research
Sentiment: Positive

The average of price targets set by Wall Street analysts indicates a potential upside of 49.6% in Sezzle Inc. (SEZL). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.

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image for news Wall Street Analysts Believe Sezzle Inc. (SEZL) Could Rally 49.63%: Here's is How to Trade
FI vs. SEZL: Which Fintech Stock Holds Stronger Momentum Right Now?
FI, SEZL
Published: August 28, 2025 by: Zacks Investment Research
Sentiment: Positive

Fiserv posts steady gains while Sezzle delivers record-breaking growth: two fintechs showing different momentum stories.

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image for news FI vs. SEZL: Which Fintech Stock Holds Stronger Momentum Right Now?
SEZL's GMV Soars: Is Customer Engagement Strategy Paying Off?
SEZL
Published: August 22, 2025 by: Zacks Investment Research
Sentiment: Positive

Sezzle's GMV surges 74.2% in 2Q25, with rising purchase frequency and subscriber growth fueling profits and margins.

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image for news SEZL's GMV Soars: Is Customer Engagement Strategy Paying Off?
Sezzle Stock Skyrockets 324% in a Year: Is it the Right Time to Buy?
SEZL
Published: August 18, 2025 by: Zacks Investment Research
Sentiment: Positive

SEZL posts soaring revenues, record GMV and standout profitability with its On-Demand product strategy.

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image for news Sezzle Stock Skyrockets 324% in a Year: Is it the Right Time to Buy?
Why Sezzle Stock Plunged Today
SEZL
Published: August 08, 2025 by: The Motley Fool
Sentiment: Negative

Shares of Sezzle (SEZL -33.46%) were taking a dive after better-than-expected results on the top and bottom lines were not enough to please investors.

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image for news Why Sezzle Stock Plunged Today
Buy, Sell or Hold SEZL Stock? Key Tips Ahead of Q2 Earnings
SEZL
Published: August 05, 2025 by: Zacks Investment Research
Sentiment: Positive

Sezzle's second-quarter 2025 earnings loom as its stock skyrockets 1103% y/y, but high valuation and regulatory risks cloud the outlook.

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image for news Buy, Sell or Hold SEZL Stock? Key Tips Ahead of Q2 Earnings
Sezzle (SEZL) vs. Affirm Holdings (AFRM) : Which Buy-Now-Pay-Later Stock Is a Stronger Buy?
AFRM, SEZL
Published: August 01, 2025 by: 24/7 Wall Street
Sentiment: Positive

The buy-now-pay-later (BNPL) market has really been sizzling of late. Undoubtedly, American consumers have been feeling quite the pinch from inflation.

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image for news Sezzle (SEZL) vs. Affirm Holdings (AFRM) : Which Buy-Now-Pay-Later Stock Is a Stronger Buy?
Nu Holdings vs. Sezzle: Which Fintech Stock is the Better Bet Now?
NU, SEZL
Published: July 18, 2025 by: Zacks Investment Research
Sentiment: Positive

NU's lower valuation, expanding customer base, and strong margins may give it the edge over faster-growing SEZL.

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image for news Nu Holdings vs. Sezzle: Which Fintech Stock is the Better Bet Now?
Sezzle Stock Ascends 219% YTD: Should You Play or Let It Go?
SEZL
Published: July 15, 2025 by: Zacks Investment Research
Sentiment: Positive

SEZL's new BNPL features, surging user engagement, and robust profitability are powering its growth story in 2025.

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image for news Sezzle Stock Ascends 219% YTD: Should You Play or Let It Go?
SEZL's Margin Expands: Can This Drive Profitability in the Long Run?
SEZL
Published: July 02, 2025 by: Zacks Investment Research
Sentiment: Positive

Sezzle's operating margin rose to 47.6% as cost control, rising purchase frequency and top-line gains fuel profit momentum.

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image for news SEZL's Margin Expands: Can This Drive Profitability in the Long Run?
Sezzle Inc. (SEZL) is on the Move, Here's Why the Trend Could be Sustainable
SEZL
Published: June 30, 2025 by: Zacks Investment Research
Sentiment: Positive

Sezzle Inc. (SEZL) made it through our "Recent Price Strength" screen and could be a great choice for investors looking to make a profit from stocks that are currently on the move.

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image for news Sezzle Inc. (SEZL) is on the Move, Here's Why the Trend Could be Sustainable
Sezzle Unveils Smarter Shopping Tools to Meet Rising Consumer Expectations
SEZL
Published: June 30, 2025 by: GlobeNewsWire
Sentiment: Neutral

Minneapolis, MN, June 30, 2025 (GLOBE NEWSWIRE) -- Sezzle Inc. (NASDAQ: SEZL ) (Sezzle or Company) // - Sezzle, the purpose‑driven digital payment platform, today launches a suite of new features to help consumers navigate increasing financial pressure. With record-low consumer confidence — the Conference Board's index recently plunged to its lowest level since May 2020 amid fears of tariffs and recession — the current climate makes budgeting tools more essential than ever.

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image for news Sezzle Unveils Smarter Shopping Tools to Meet Rising Consumer Expectations
5 Stocks With Recent Price Strength to Tap Wall Street Rally
GLDD, LMB, RFIL, SEZL, TPC
Published: June 30, 2025 by: Zacks Investment Research
Sentiment: Positive

SEZL, RFIL, TPC, LMB, and GLDD are riding strong price momentum as Wall Street rallies to new all-time highs.

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image for news 5 Stocks With Recent Price Strength to Tap Wall Street Rally
Qifu Technology vs. Sezzle: Which Credit Tech Stock is the Smarter Buy?
QFIN, SEZL
Published: June 27, 2025 by: Zacks Investment Research
Sentiment: Positive

QFIN's AI-driven dual engine and lower valuation may outpace SEZL's BNPL growth in the fintech stock race.

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image for news Qifu Technology vs. Sezzle: Which Credit Tech Stock is the Smarter Buy?
What Makes Sezzle Inc. (SEZL) a Strong Momentum Stock: Buy Now?
SEZL
Published: June 19, 2025 by: Zacks Investment Research
Sentiment: Positive

Does Sezzle Inc. (SEZL) have what it takes to be a top stock pick for momentum investors? Let's find out.

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image for news What Makes Sezzle Inc. (SEZL) a Strong Momentum Stock: Buy Now?
SEZL's Merchant Acquisition Strategy Vital for Its Growth Trajectory
SEZL
Published: June 18, 2025 by: Zacks Investment Research
Sentiment: Neutral

Sezzle ditches volume for value, signing big-name partners and unlocking major growth with WebBank's help.

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image for news SEZL's Merchant Acquisition Strategy Vital for Its Growth Trajectory
Recent Price Trend in Sezzle Inc. (SEZL) is Your Friend, Here's Why
SEZL
Published: June 13, 2025 by: Zacks Investment Research
Sentiment: Positive

Sezzle Inc. (SEZL) could be a solid choice for shorter-term investors looking to capitalize on the recent price trend in fundamentally sound stocks. It is one of the many stocks that passed through our shorter-term trading strategy-based screen.

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image for news Recent Price Trend in Sezzle Inc. (SEZL) is Your Friend, Here's Why
Enrich Your Portfolio With These 4 Top-Ranked Liquid Stocks
EVER, INTU, NVMI, SEZL
Published: June 11, 2025 by: Zacks Investment Research
Sentiment: Positive

Add INTU, NVMI, EVER and SEZL to your watchlist as each boasts strong liquidity, growth attributes and operational efficiency.

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image for news Enrich Your Portfolio With These 4 Top-Ranked Liquid Stocks
Sezzle Stock Skyrockets 1000% in a Year: Should You Buy It Now?
SEZL
Published: June 10, 2025 by: Zacks Investment Research
Sentiment: Positive

SEZL is outpacing BNPL rivals with surging revenues, leaner operations and rising analyst confidence in 2025.

Read More
image for news Sezzle Stock Skyrockets 1000% in a Year: Should You Buy It Now?
Sezzle's Q1 Revenues Skyrocket 123%: What's Behind This Outcome?
SEZL
Published: June 04, 2025 by: Zacks Investment Research
Sentiment: Positive

SEZL's first-quarter 2025 revenues soar 123%, fueled by rising purchase frequency, new features and a growing merchant network.

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image for news Sezzle's Q1 Revenues Skyrocket 123%: What's Behind This Outcome?
Why Sezzle Stands Out: A Compelling Investment Opportunity In The Buy Now Pay Later Space
SEZL
Published: June 02, 2025 by: Seeking Alpha
Sentiment: Positive

Sezzle is a high-growth BNPL pure-play, outpacing industry GMV growth and benefiting from rising consumer demand for flexible payments amid economic uncertainty. The exclusive WebBank partnership streamlines fees, reduces regulatory burden, and boosts monetization, supporting margin expansion and product innovation. The company's Q1 2025 results show surging revenue, expanding margins, and improved cost efficiency, prompting a 50% net income guidance raise for 2025.

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image for news Why Sezzle Stands Out: A Compelling Investment Opportunity In The Buy Now Pay Later Space

About Sezzle Inc. (SEZL)

  • IPO Date 2023-08-17
  • Website https://www.sezzle.com
  • Industry Financial - Credit Services
  • CEO Charles G. Youakim
  • Employees 402

Sezzle 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.