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
Vol470.00K
As of25 Sep 2026

The Verdict

Hold

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/E24.43x
Forward P/E16.76x
EV / EBITDA12.02x
P / S (ttm)7.05x
Profit margin30.3%
Return on equity88.9%
Revenue growth+51.7%
Earnings growth+50.0%
Debt / equity52.42

Layer Breakdown

LayerRawContribution
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.

United States · www.sezzle.com

Risk Metrics

Beta vs SPX2.78
Corr SPX0.40
Annual vol110.7%
Annual ret+127.9%
Sharpe1.16
Max DD-72.0%

Window: 504 trading days (504 obs)

Material Events

DateEvent8-K
2026-08-12Reg FD Disclosure, Exhibitsread
2026-08-06Earnings Release, Exhibitsread
2026-07-14Earnings Release, Exhibitsread
2026-05-13Reg FD Disclosure, Exhibitsread
2026-05-12Material Agreement, Material Obligation…read
2026-05-06Earnings Release, Exhibitsread
2026-04-15Earnings Release, Exhibitsread
2026-04-09Officer / Director Change, Exhibitsread
2026-03-20Auditor Change, Exhibitsread
2026-03-06Reg FD Disclosure, Exhibitsread
2026-02-25Earnings Release, 4.02…read
2026-02-02Earnings Release, Exhibitsread

Insider Trades

DateInsiderRoleActionSharesValue
2026-08-10Sabzivand AminChief Operating OfficerWithheld for tax6.97K$822.81K
2026-08-10Youakim CharlesExecutive Chairman and CEWithheld for tax6.98K$823.40K
2026-08-10Brading Lee DicksonChief Financial OfficerWithheld for tax1.41K$165.79K
2026-08-10Paradis PaulDirector & PresidentWithheld for tax7.11K$838.98K
2026-08-10Krause JustinSVP FINANCE AND CONTROLLEWithheld for tax1.57K$185.38K
2026-07-16Paradis PaulDirector & PresidentSell1.70K$328.98K
2026-07-16Paradis PaulDirector & PresidentSell900$172.09K
2026-07-16Paradis PaulDirector & PresidentSell7.23K$1.38M
2026-07-16Paradis PaulDirector & PresidentSell500$96.09K
2026-07-16Paradis PaulDirector & PresidentSell400$77.81K

Flow & Concentration

Insider 180d net-$8.62M
Insider buys / sells0 / 22
Insider biasSellers
13F holders7
Top-5 share98.9%
HHI3,763 (concentrated)

Top Holders

HolderValueShares
State Street Corp$113.26M659.90K
Citadel Advisors$93.02M541.98K
Capital Research / Capital World$18.75M109.27K
Millennium Management$8.39M48.91K
AQR Capital Management$5.32M30.97K
Fidelity / FMR LLC$2.59M15.11K
T. Rowe Price Group$108.44K631.85K

As of 2026-06-30

SEC Filings

DateFormDoc
2026-08-124view
2026-08-128-Kview
2026-08-124view
2026-08-124view
2026-08-124view
2026-08-124view
2026-08-0710-Qview
2026-08-068-Kview
2026-07-174view
2026-07-174view
2026-07-148-Kview
2026-07-084view
2026-07-064view
2026-07-064view
2026-06-294view

The Long Run

FY 2021–2025 · 5 years

LineLatestCAGRTrend
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

S&P SmallCap 600

Recent Sessions

DateOpenHighLowCloseVol
Sep 25$111.47$113.36$108.20$111.38470.00K
Sep 24$105.10$110.49$104.87$109.78737.60K
Sep 23$110.45$111.44$105.82$106.89799.60K
Sep 22$118.97$119.00$109.63$110.001.06M
Sep 21$118.30$119.53$115.91$116.55740.70K

Understand the score. Research layers are inputs to a model, and the available data has limits.

Read the methodology →