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SEZL

Sezzle Inc.

Price Chart
Latest Quote

$163.28

+16.55 (+11.28%)
Current Price
Previous Close $146.73
Open $153.94
Day High $164.38
Day Low $150.45
Volume 1,210,155
Fetched: 2026-06-19T05:36:57
Stock Information
Shares Outstanding 33.63M
Total Debt $145.16M
Cash Equivalents $120.45M
Revenue $480.91M
Net Income $148.27M
Sector Financial Services
Industry Credit Services
Market Cap $5.49B
P/E Ratio 23.53
EPS (TTM) $6.94
Exchange NCM
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📊 Comprehensive Analysis
Company Data
Enterprise Value$5.52B
Sales$480.91M
Income$148.27M
Book/sh$5.86
Cash/sh$3.58
Employees201
Financial Ratios
Quick Ratio3.57
Current Ratio3.65
Debt/Eq73.79
EPS Growth TTM41.90%
Returns & Margins
ROA47.54%
ROE91.95%
Gross Margin74.30%
Operating Margin61.02%
Profit Margin30.83%
Ownership
Insider Ownership53.11%
Institutional Ownership40.86%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E25.14
PEG0.07
P/S11.42
P/B27.88
Analyst Data
Recommendationbuy
Target Price$134.33
Technical Indicators
SMA20$124.40
SMA50$101.17
SMA200$78.28
RSI78.70
ATR9.6746
Shares Float16.99M
Short Float29.16%
Short Ratio6.94
Volatility6.97
Rel Volume1.95
Performance History
Week+26.74%
Month+52.94%
Quarter+146.50%
6 Months+123.58%
YTD+150.62%
Year+13.49%
10 Years+1108.29%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-06-18 $163.28 1,245,000
2026-06-17 $146.73 992,700
2026-06-16 $144.20 907,700
2026-06-15 $146.12 964,200
2026-06-12 $132.70 584,400
2026-06-11 $128.83 568,700
2026-06-10 $120.98 364,600
2026-06-09 $121.50 610,800
2026-06-08 $121.16 634,900
2026-06-05 $116.01 442,500
2026-06-04 $120.97 386,700
2026-06-03 $113.19 571,600
2026-06-02 $118.43 328,200
2026-06-01 $122.54 591,400
2026-05-29 $118.15 544,700
2026-05-28 $119.00 581,200
2026-05-27 $116.05 1,088,100
2026-05-26 $109.98 544,500
2026-05-22 $102.80 434,400
2026-05-21 $105.45 400,700
2026-05-20 $104.93 633,500
2026-05-19 $106.76 795,200
About 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.

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Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Reconciled Cost Of Revenue $134,807,000 $116,891,000 $85,581,683 $91,993,908
Cost Of Revenue $134,807,000 $116,891,000 $85,581,683 $91,993,908
Total Revenue $450,279,000 $271,128,000 $159,356,772 $125,570,441
Operating Revenue $450,279,000 $271,128,000 $159,356,772 $125,570,441
Expenses
Total Expenses $287,511,000 $202,644,000 $137,156,371 $173,605,762
Other Income Expense $123,000 $-1,167,000 $1,477,488 $10,011,012
Other Non Operating Income Expenses $123,000 $354,000 $1,933,450 $-225,606
Operating Expense $152,704,000 $85,753,000 $51,574,688 $73,011,138
Other Operating Expenses $14,441,000 $9,595,000 $7,815,915 $8,190,022
Selling And Marketing Expense $32,191,000 $9,740,000 $11,984,019 $18,972,025
General And Administrative Expense $16,774,000 $11,403,000 $8,587,781 $16,411,912
Interest Expense - $13,761,645 $15,968,380 $8,600,716
Net Non Operating Interest Income Expense - $-13,761,645 $-15,968,380 $-8,600,716
Interest Expense Non Operating - $13,761,645 $15,968,380 $8,600,716
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $133,130,000 $78,522,000 $7,098,022 $-38,093,756
Normalized Income $133,130,000 $79,723,590 $7,517,963 $-46,180,684
Net Income From Continuing And Discontinued Operation $133,130,000 $78,522,000 $7,098,022 $-38,093,756
Total Operating Income As Reported $176,789,000 $82,246,000 $22,200,401 $-28,434,605
Net Income Common Stockholders $133,130,000 $78,522,000 $7,098,022 $-38,093,756
Net Income $133,130,000 $78,522,000 $7,098,022 $-38,093,756
Net Income Including Noncontrolling Interests $133,130,000 $78,522,000 $7,098,022 $-38,093,756
Net Income Continuous Operations $133,130,000 $78,522,000 $7,098,022 $-38,093,756
Pretax Income $162,891,000 $67,317,000 $7,709,509 $-38,024,309
Special Income Charges $0 $-260,000 $0 $10,186,194
Operating Income $162,768,000 $68,484,000 $22,200,401 $-48,035,321
Gross Profit $315,472,000 $154,237,000 $73,775,089 $24,975,817
Net Interest Income - $-13,761,645 $-15,968,380 $-8,600,716
Depreciation Amortization Depletion Income Statement - - - $839,309
Depreciation And Amortization In Income Statement - - - $839,309
Amortization Of Intangibles Income Statement - - - $503,907
Depreciation Income Statement - - - $335,402
Per Share
Diluted EPS $3.72 $2.19 $0.21 $-1.14
Basic EPS $3.93 $2.33 $0.21 $-1.14
Other
Tax Effect Of Unusual Items $0 $-319,410 $-36,021 $2,149,690
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $164,124,000 $70,970,000 $24,989,654 $-57,424,813
Total Unusual Items $0 $-1,521,000 $-455,962 $10,236,618
Total Unusual Items Excluding Goodwill $0 $-1,521,000 $-455,962 $10,236,618
Reconciled Depreciation $1,356,000 $965,000 $855,803 $847,126
EBITDA (Bullshit earnings) $164,124,000 $69,449,000 $24,533,692 $-47,188,195
EBIT $162,768,000 $68,484,000 $23,677,889 $-48,035,321
Diluted Average Shares $35,744,000 $35,890,770 $34,071,162 $33,415,575
Basic Average Shares $33,910,000 $33,710,982 $33,636,522 $33,415,575
Diluted NI Availto Com Stockholders $133,130,000 $78,522,000 $7,098,022 $-38,093,756
Tax Provision $29,761,000 $-11,205,000 $611,487 $69,447
Provision For Doubtful Accounts $89,298,000 $55,015,000 $23,186,973 $29,437,179
Selling General And Administration $48,965,000 $21,143,000 $20,571,800 $35,383,937
Other Gand A $16,774,000 $11,403,000 $8,587,781 $16,411,912
Other Special Charges - $260,000 - $813,806
Gain On Sale Of Security - $-1,261,000 $-455,962 $50,424
Restructuring And Mergern Acquisition - - $0 $-11,000,000
Amortization - - - $503,907
Fetched: 2026-06-17
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $166,480,000 $85,393,000 $20,195,854 $7,520,410
Total Assets $400,229,000 $298,372,000 $212,645,283 $172,576,538
Total Non Current Assets $48,365,000 $40,753,000 $3,600,417 $2,445,078
Other Non Current Assets $30,754,000 $20,606,000 $707,471 $1,035,527
Non Current Deferred Assets $13,615,000 $16,905,000 $0 -
Non Current Deferred Taxes Assets $13,615,000 $16,905,000 $0 -
Goodwill And Other Intangible Assets $3,331,000 $2,442,000 $1,898,470 $1,322,836
Other Intangible Assets $3,331,000 $2,442,000 $1,898,470 $1,322,836
Current Assets $351,864,000 $257,619,000 $209,044,866 $170,131,460
Other Current Assets $18,316,000 $11,393,000 $6,223,274 $4,737,688
Restricted Cash $8,413,000 $4,850,000 $2,993,011 $1,223,119
Receivables $261,081,000 $168,191,000 $132,204,369 $95,891,114
Notes Receivable $254,895,000 $164,562,000 $130,632,641 $93,358,404
Accounts Receivable $3,555,000 $1,691,000 $1,571,728 $2,532,710
Allowance For Doubtful Accounts Receivable $-11,915,000 $-5,276,000 $-1,272,353 $-980,713
Gross Accounts Receivable $15,470,000 $6,967,000 $2,844,081 $3,513,423
Cash Cash Equivalents And Short Term Investments $64,054,000 $73,185,000 $67,624,212 $68,279,539
Cash And Cash Equivalents $64,054,000 $73,185,000 $67,624,212 $68,279,539
Prepaid Assets - - - $4,737,688
Other Receivables - - - $2,532,710
Cash Financial - - - $68,279,539
Debt
Net Debt $75,937,000 $30,807,000 $27,006,694 -
Total Debt $140,815,000 $104,911,000 $95,669,914 $64,106,787
Long Term Debt And Capital Lease Obligation $140,652,000 $104,815,000 $1,231,692 $64,027,475
Long Term Debt $139,991,000 $103,992,000 $250,000 $64,027,475
Current Debt And Capital Lease Obligation $163,000 $96,000 $94,438,222 $79,312
Current Debt - - $94,380,906 -
Other Current Borrowings - - $94,380,906 -
Liabilities
Total Liabilities Net Minority Interest $230,418,000 $210,537,000 $190,550,959 $163,733,292
Total Non Current Liabilities Net Minority Interest $140,652,000 $104,860,000 $3,282,272 $64,538,770
Current Liabilities $89,766,000 $105,677,000 $187,268,687 $99,194,522
Current Deferred Liabilities $14,973,000 $13,455,000 $2,643,230 $1,516,228
Payables And Accrued Expenses $74,630,000 $92,126,000 $90,187,235 $97,598,982
Payables $63,282,000 $76,422,000 $79,396,927 $87,150,110
Other Payable $6,908,000 $7,455,000 $5,261,436 $4,129,371
Accounts Payable $56,374,000 $68,967,000 $74,135,491 $83,020,739
Other Non Current Liabilities - $45,000 $1,083,323 -
Derivative Product Liabilities - $0 $967,257 $511,295
Other Current Liabilities - $9,221,006 - $10,448,872
Equity
Common Stock Equity $169,811,000 $87,835,000 $22,094,324 $8,843,246
Total Equity Gross Minority Interest $169,811,000 $87,835,000 $22,094,324 $8,843,246
Stockholders Equity $169,811,000 $87,835,000 $22,094,324 $8,843,246
Gains Losses Not Affecting Retained Earnings $-683,000 $-1,588,000 $-646,999 $-643,974
Other Equity Adjustments $-683,000 $-1,588,000 $-646,999 $-643,974
Retained Earnings $-324,000 $-89,775,000 $-157,519,880 $-165,496,479
Other
Treasury Shares Number $1,332,000 $1,050,918 $772,134 -
Ordinary Shares Number $33,798,000 $33,735,474 $34,185,102 $5,443,604
Share Issued $35,130,000 $34,786,392 $34,957,236 $5,443,604
Tangible Book Value $166,480,000 $85,393,000 $20,195,854 $7,520,410
Invested Capital $309,802,000 $191,827,000 $116,725,230 $72,870,721
Working Capital $262,098,000 $151,942,000 $21,776,179 $70,936,938
Capital Lease Obligations $824,000 $919,000 $1,039,008 $79,312
Total Capitalization $309,802,000 $191,827,000 $22,344,324 $72,870,721
Treasury Stock $24,072,000 $9,391,000 $5,755,961 $4,072,752
Capital Stock $194,890,000 $188,589,000 $2,085 $2,083
Common Stock $194,890,000 $188,589,000 $2,085 $2,083
Long Term Capital Lease Obligation $661,000 $823,000 $981,692 $0
Current Deferred Revenue $14,973,000 $13,455,000 $2,643,230 $1,516,228
Current Capital Lease Obligation $163,000 $96,000 $57,316 $79,312
Current Accrued Expenses $11,348,000 $15,704,000 $10,790,308 $10,448,872
Net PPE $665,000 $800,000 $994,476 $86,715
Gross PPE $665,000 $800,000 $994,476 $86,715
Other Properties $665,000 $800,000 $994,476 $86,715
Duefrom Related Parties Current $2,631,000 $1,938,000 $0 -
Additional Paid In Capital - $188,586,688 $186,015,079 $179,054,368
Line Of Credit - - $94,380,906 $0
Machinery Furniture Equipment - - - $281,605
Fetched: 2026-06-17
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $207,212,000 $129,184,000 $-27,056,025 $7,503,771
Operating Activities
Operating Cash Flow $209,907,000 $130,648,000 $-25,690,433 $8,511,848
Cash Flow From Continuing Operating Activities $209,907,000 $130,648,000 $-25,690,433 $8,511,848
Operating Gains Losses $-21,000 $1,466,000 $481,583 $843,065
Cash Flowsfromusedin Operating Activities Direct - - - $8,511,848
Other Cash Paymentsfrom Operating Activities - - - $8,511,848
Classesof Cash Receiptsfrom Operating Activities - - - $8,511,848
Other Cash Receiptsfrom Operating Activities - - - $8,511,848
Investing Activities
Capital Expenditure $-2,695,000 $-1,464,000 $-1,365,592 $-1,008,077
Investing Cash Flow $-181,569,000 $-91,213,000 $-1,365,592 $-1,008,077
Cash Flow From Continuing Investing Activities $-181,569,000 $-91,213,000 $-1,365,592 $-1,008,077
Net Other Investing Changes $-178,874,000 $-89,749,000 - -
Financing Activities
Repurchase Of Capital Stock $-64,655,000 $-23,620,000 $-1,683,210 $-381,434
Financing Cash Flow $-25,412,000 $-10,368,000 $28,215,188 $-15,687,894
Cash Flow From Continuing Financing Activities $-25,412,000 $-10,368,000 $28,215,188 $-15,687,894
Net Other Financing Charges $-792,000 $-1,106,000 $-128,598 $-1,931,208
Net Common Stock Issuance $-64,655,000 $-23,620,000 $-1,683,210 $-381,434
Issuance Of Capital Stock - - - -
Common Stock Issuance - - - -
Other
Repayment Of Debt $-144,600,000 $-97,427,000 $-24,849,000 $-84,955,556
Issuance Of Debt $180,860,000 $107,427,000 $54,849,000 $71,155,556
Interest Paid Supplemental Data $15,322,000 $14,047,000 $16,362,536 $7,790,430
Income Tax Paid Supplemental Data $28,065,000 $4,766,000 $452,426 $65,395
End Cash Position $102,601,000 $98,310,000 $70,699,223 $69,522,658
Beginning Cash Position $98,310,000 $70,699,000 $69,522,658 $78,890,168
Effect Of Exchange Rate Changes $1,365,000 $-1,456,000 $17,402 $-1,183,387
Changes In Cash $2,926,000 $29,067,000 $1,159,163 $-8,184,123
Proceeds From Stock Option Exercised $3,775,000 $4,358,000 $26,996 $424,748
Common Stock Payments $-64,655,000 $-23,620,000 $-1,683,210 $-381,434
Net Issuance Payments Of Debt $36,260,000 $10,000,000 $30,000,000 $-13,800,000
Net Long Term Debt Issuance $36,260,000 $10,000,000 $30,000,000 $-13,800,000
Long Term Debt Payments $-144,600,000 $-97,427,000 $-24,849,000 $-84,955,556
Long Term Debt Issuance $180,860,000 $107,427,000 $54,849,000 $71,155,556
Net Intangibles Purchase And Sale $-2,040,000 $-1,394,000 $-1,283,983 $-955,841
Purchase Of Intangibles $-2,040,000 $-1,394,000 $-1,283,983 $-955,841
Net PPE Purchase And Sale $-655,000 $-70,000 $-81,609 $-52,236
Purchase Of PPE $-655,000 $-70,000 $-81,609 $-52,236
Change In Working Capital $-57,006,000 $-5,247,000 $-68,372,774 $-5,111,842
Change In Other Working Capital $1,233,000 $1,669,000 $1,178,899 $1,531,776
Change In Payables And Accrued Expense $-15,424,000 $10,751,000 $-6,577,570 $-9,170,622
Change In Accrued Expense $-1,816,000 $13,145,000 $1,416,863 $2,476,822
Change In Payable $-13,608,000 $-2,394,000 $-7,994,433 $-11,647,444
Change In Account Payable $-13,036,000 $-4,345,000 $-9,115,285 $-12,928,944
Change In Prepaid Assets $-6,794,000 $-4,997,000 $-1,219,639 $-1,353,026
Change In Receivables $-36,021,000 $-12,670,000 $-61,754,464 $3,880,030
Other Non Cash Items $-203,000 $986,000 $732,029 $983,745
Stock Based Compensation $6,520,000 $5,193,000 $6,933,718 $10,309,535
Provisionand Write Offof Assets $122,773,000 $65,620,000 $26,538,939 $38,694,463
Asset Impairment Charge $68,000 $48,000 $42,247 $39,512
Deferred Tax $3,290,000 $-16,905,000 $0 -
Deferred Income Tax $3,290,000 $-16,905,000 $0 -
Depreciation Amortization Depletion $1,356,000 $965,000 $855,803 $847,126
Depreciation And Amortization $1,356,000 $965,000 $855,803 $847,126
Gain Loss On Sale Of PPE $-21,000 $-55,000 $25,621 $79,683
Net Income From Continuing Operations $133,130,000 $78,522,000 $7,098,022 $-38,093,756
Gain Loss On Investment Securities - $1,261,000 $455,962 $-50,424
Classesof Cash Payments - - - $8,511,848
Fetched: 2026-06-17