Inside the research
Sezzle Inc.
SEZL Research profile · latest available data
Price overview
$111.38
▲ +1.60 (+1.5%)
| 52w hi | $188.55 |
|---|---|
| 52w lo | $50.97 |
| Vol | 470.00K |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.11
| Short | -0.12 |
|---|---|
| Medium | +0.14 |
| Long | +0.53 |
computed 2026-09-27
Key fundamentals
Sezzle Inc.
Financial Services · Credit Services
| Market cap | $3.75B |
|---|---|
| Enterprise value | $3.79B |
| Trailing P/E | 24.43x |
| Forward P/E | 16.76x |
| EV / EBITDA | 12.02x |
| P / S (ttm) | 7.05x |
| Profit margin | 30.3% |
| Return on equity | 88.9% |
| Revenue growth | +51.7% |
| Earnings growth | +50.0% |
| Debt / equity | 52.42 |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.43 | |
| Sector | +0.02 | |
| Technical | -0.07 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business overview
Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada. The company offers Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; Pay-in-five which allows eligible consumers to pay a fifth of the purchase price up front, and then another four installments every two weeks; Pay-in-Two, which allow consumer to pay half of the value of their order up-front and the second half in two weeks; and other alternative installment options. It also provides Sezzle Virtual Card that allows consumers to access the Sezzle Platform in the form of merchants in-store and online with merchants that are not directly integrated with Sezzle; Sezzle Anywhere, a paid subscription service that allows consumers to use their Sezzle Virtual Card at any merchant online or in-store; Sezzle On-Demand, a service that allows consumers who are not subscribed to Sezzle Anywhere to use the Sezzle Platform at any merchant online or in-store; Sezzle Premium, a paid subscription service that allows its consumers to access large, non-integrated premium merchants; Sezzle Balance, a stored-value product that allows consumers to maintain funds in Sezzle account for use toward eligible purchases or make payments on the Sezzle Platform; and Sezzle Up, an opt-in feature of the Sezzle Platform. In addition, the company offers Long-Term Lending through collaboration with third-party lenders. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.
Risk Metrics
| Beta vs SPX | 2.78 |
|---|---|
| Corr SPX | 0.40 |
| Annual vol | 110.7% |
| Annual ret | +127.9% |
| Sharpe | 1.16 |
| Max DD | -72.0% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-08-12 | Reg FD Disclosure, Exhibits | read |
| 2026-08-06 | Earnings Release, Exhibits | read |
| 2026-07-14 | Earnings Release, Exhibits | read |
| 2026-05-13 | Reg FD Disclosure, Exhibits | read |
| 2026-05-12 | Material Agreement, Material Obligation… | read |
| 2026-05-06 | Earnings Release, Exhibits | read |
| 2026-04-15 | Earnings Release, Exhibits | read |
| 2026-04-09 | Officer / Director Change, Exhibits | read |
| 2026-03-20 | Auditor Change, Exhibits | read |
| 2026-03-06 | Reg FD Disclosure, Exhibits | read |
| 2026-02-25 | Earnings Release, 4.02… | read |
| 2026-02-02 | Earnings Release, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-10 | Sabzivand Amin | Chief Operating Officer | Withheld for tax | 6.97K | $822.81K |
| 2026-08-10 | Youakim Charles | Executive Chairman and CE | Withheld for tax | 6.98K | $823.40K |
| 2026-08-10 | Brading Lee Dickson | Chief Financial Officer | Withheld for tax | 1.41K | $165.79K |
| 2026-08-10 | Paradis Paul | Director & President | Withheld for tax | 7.11K | $838.98K |
| 2026-08-10 | Krause Justin | SVP FINANCE AND CONTROLLE | Withheld for tax | 1.57K | $185.38K |
| 2026-07-16 | Paradis Paul | Director & President | Sell | 1.70K | $328.98K |
| 2026-07-16 | Paradis Paul | Director & President | Sell | 900 | $172.09K |
| 2026-07-16 | Paradis Paul | Director & President | Sell | 7.23K | $1.38M |
| 2026-07-16 | Paradis Paul | Director & President | Sell | 500 | $96.09K |
| 2026-07-16 | Paradis Paul | Director & President | Sell | 400 | $77.81K |
Flow & Concentration
| Insider 180d net | -$8.62M |
|---|---|
| Insider buys / sells | 0 / 22 |
| Insider bias | Sellers |
| 13F holders | 7 |
| Top-5 share | 98.9% |
| HHI | 3,763 (concentrated) |
Top Holders
| Holder | Value | Shares |
|---|---|---|
| State Street Corp | $113.26M | 659.90K |
| Citadel Advisors | $93.02M | 541.98K |
| Capital Research / Capital World | $18.75M | 109.27K |
| Millennium Management | $8.39M | 48.91K |
| AQR Capital Management | $5.32M | 30.97K |
| Fidelity / FMR LLC | $2.59M | 15.11K |
| T. Rowe Price Group | $108.44K | 631.85K |
As of 2026-06-30
SEC Filings
The Long Run
FY 2021–2025 · 5 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $139.40M | +5.0% | |
| Operating income | $82.25M | +270.5% | |
| Net income | $133.13M | +333.1% | |
| Cash from ops | $15.99M | +37.1% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $111.47 | $113.36 | $108.20 | $111.38 | 470.00K |
| Sep 24 | $105.10 | $110.49 | $104.87 | $109.78 | 737.60K |
| Sep 23 | $110.45 | $111.44 | $105.82 | $106.89 | 799.60K |
| Sep 22 | $118.97 | $119.00 | $109.63 | $110.00 | 1.06M |
| Sep 21 | $118.30 | $119.53 | $115.91 | $116.55 | 740.70K |
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