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Home CompaniesSezzle Inc.

Sezzle Inc.

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
149.43 USD -5.57 ( 3.59%)
Last update at 2026-11-06T21:20:00Z
VOLUME
787701
Market Cap
4009.68M
P/E
26.58

Momentum Score

…

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.

Source: TradingView
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Day Price Range
148.78
Low
163.00
High
52 Week Price Range
49.50
Low
195.71
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
155.00
Dividend Yield
-
Revenue TTM
531.89M
Revenue Per Share
15.71
Gross Profit TTM
398.74M
Debt / Equity
0.83
ROE
88.85%
Net Debt
76.76M
ROCE
85.73%
Diluted EPS TTM
4.48

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 162.89M 67.32M 7.71M -38.02M -75.11M
Net income 133.13M 78.52M 7.10M -38.09M -75.17M
Selling general administrative 16.77M 11.40M 8.59M 16.41M 15.77M
Selling and marketing expenses 32.19M 9.74M 11.98M 18.97M 9.25M
Gross profit 384.32M 219.76M 112.98M 74.35M 70.59M
Reconciled depreciation 1.36M 0.97M 0.86M 0.84M 0.75M
Ebit 266.15M 82244.60M 24.13M -30.31M -68.68M
Ebitda 266.41M 82.25M 24.99M -29.47M -67.93M
Depreciation and amortization 0.26M 0.97M 0.86M 0.84M 0.75M
Operating income 176.79M 82.25M 22.20M -30.31M -68.68M
Other operating expenses 273.49M 188.88M 137.16M 165.23M 183.49M
Interest expense 14.02M 13.76M 15.97M 8.60M 5.27M
Tax provision 29.76M -11.21M 0.61M 0.07M 0.06M
Net interest income - -13.76M -15.97M -8.60M -5.27M
Income tax expense 29.76M -11.21M 0.61M 0.07M 0.06M
Total revenue 450.28M 271.13M 159.36M 125.57M 114.82M
Total operating expenses 207.53M 137.52M 90.78M 165.23M 139.27M
Cost of revenue 65.96M 51.36M 46.37M 51.22M 44.23M
Total other income expense net -13.90M -14.93M 1.48M 10.24M -6.43M
Net income from continuing ops 133.13M 78.52M 7.10M -38.09M -75.17M
Net income applicable to common shares - - - -38.09M -75.17M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 400.23M 298.37M 212.65M 172.58M 223.40M
Intangible assets 3.33M 2.44M 1.90M 1.32M 0.91M
Other current assets 26.73M 19.87M 6.22M 1.22M 1.89M
Total liab 230.42M 210.54M 190.55M 163.73M 185.61M
Total stockholder equity 169.81M 87.84M 22.09M 8.84M 37.79M
Other current liab 18.26M 10.56M 16.05M 14.58M 10.87M
Common stock 194.89M 0.00M 0.00M 174.98M 164.63M
Capital stock 194.89M 0.00M 0.00M 174.98M 164.63M
Retained earnings -0.32M -89.77M -157.52M -166.14M -126.84M
Other liab - - - 0.51M -
Good will - 2439.17M - - -
Other assets - - - 0.75M 0.25M
Cash 64.05M 73.19M 67.62M 68.28M 76.98M
Total current liabilities 89.77M 105.68M 187.27M 99.19M 107.56M
Current deferred revenue 14.97M 4.23M 2.64M 1.52M 2.87M
Net debt 76.76M 31.63M 28.05M -4.17M 1.24M
Short term debt 0.16M 4.21M 94.44M 0.08M 0.17M
Short long term debt - - 94.38M - -
Short long term debt total 140.81M 104.81M 95.67M 64.11M 78.22M
Other stockholder equity -24.07M 179.20M 180.26M -0.64M 0.55M
Property plant equipment - - - 0.37M 0.95M
Total current assets 351.86M 257.62M 209.04M 170.13M 221.29M
Net tangible assets - - - 7.52M 36.88M
Net receivables 261.08M 164.56M 132.20M 95.89M 139.07M
Long term debt 139.99M 103.99M 0.25M 64.03M 77.96M
Inventory - - 2.99M 4.74M 3.35M
Accounts payable 56.37M 68.97M 74.14M 83.02M 96.52M
Accumulated other comprehensive income -0.68M -1.59M -0.65M - -
Non currrent assets other 30.75M 21.41M 0.71M 0.75M 0.25M
Non current assets total 48.37M 40.75M 3.60M 2.45M 2.11M
Capital lease obligations 0.82M 0.92M 1.04M 0.08M 0.26M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -1.46M -1.37M -1.01M -1.42M
Change to liabilities - - - -11.41M 35.70M
Total cashflows from investing activities -181.57M -1.46M - -1.01M -1.42M
Net borrowings 36.26M 10.00M - -13.80M 37.58M
Total cash from financing activities -25.41M -10.37M 28.22M -15.69M 63.24M
Change to operating activities - - - 13.01M -98.30M
Net income 133.13M 78.52M 7.10M -38.09M -75.17M
Change in cash 4.29M 27.61M 1.18M -9.37M -10.21M
Begin period cash flow 98.31M 70.70M 69.52M 78.89M 89.10M
End period cash flow 102.60M 98.31M 70.70M 69.52M 78.89M
Total cash from operating activities 209.91M 40.90M -25.69M 8.51M -72.13M
Issuance of capital stock - - - -0.20M 30.00M
Depreciation 1.36M 0.97M 0.86M 0.85M 0.75M
Other cashflows from investing activities -180.91M -1.39M - - -
Dividends paid - - - - 174.67M
Change to account receivables -36.02M -101.96M -61.75M 3.88M -11.03M
Sale purchase of stock -64.66M -23.62M -1.68M -0.38M -2.65M
Other cashflows from financing activities 22.47M -10354.49M 54.75M 69.65M 347.65M
Change to netincome - - - 49.89M 75.23M
Capital expenditures 1.55M 69.76M 1.37M 1.01M 1.42M
Change in working capital -57.01M -94.53M -68.37M -5.11M -73.63M
Stock based compensation 6.52M 5.19M 6.93M 10.31M 14.16M
Other non cash items 122.62M -25815.99M 0.73M 0.98M 158.71M
Free cash flow 208.36M 40.83M -27.06M 7.50M -73.55M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
SEZL
Sezzle Inc.		 -5.57
3.59%		 149.43 26.58 19.27 7.54 17.53 7.76 20.37
V
Visa Inc. Class A		 0.80
0.19%		 423.39 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 1.71
0.26%		 657.63 31.59 24.88 14.31 89.68 14.71 23.34
AXP
American Express Company		 -3.94
1.21%		 321.03 21.46 18.83 3.38 6.76 3.93 -
COF
Capital One Financial Corporation		 -2.19
1.08%		 201.65 11.39 8.75 2.64 1.11 2.76 -

Profile*

Sezzle Inc.

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.

700 Nicollet Mall, Minneapolis, MN, United States, 55402

651 240 6001

https://www.sezzle.com

201

Name Title Year Born
Mr. Charles G. Youakim Co-Founder, Executive Chairman & CEO 1977
Mr. Paul Victor Paradis Co-Founder, President & Executive Director 1984
Ms. Karen M. Hartje Chief Financial Officer 1958
Mr. Amin Sabzivand Chief Operating Officer 1989
Mr. Justin Bradley Clyne A.C.I.S., AGIA, Grad Dip ACG, L.L.B., L.L.M., LLM Company Secretary 1973
Justin Krause Senior VP of Finance & Financial Controller NA
Mr. Lee Dickson Brading C.F.A. Chief Financial Officer 1968

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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