Sezzle Inc.

Sezzle Inc.

SEZL · NASDAQ · Financial Services / Credit Services

154.60USD-0.07 (-0.05%)

Price History

Full chart

Market Stats

Previous Close154.67
Open157.14
Day Range150.55 – 157.62
52-Week Range49.50 – 195.71
Volume341.66K
Market Cap5.05B
P/E (TTM)29.83
Forward P/E23.98
EPS5.01
Dividend Yield0.00%
Beta6.60
50-Day Avg121.91
200-Day Avg109.98

About

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.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Charles G. Youakim
  • Employees201
  • Headquarters700 Nicollet Mall, Minneapolis, MN, United States, 55402, USA
  • Websitehttps://www.sezzle.com

Leadership

  • Mr. Charles G. YouakimCo-Founder, Executive Chairman & CEO · b. 1977
  • Mr. Paul Victor ParadisCo-Founder, President & Executive Director · b. 1984
  • Mr. Amin SabzivandChief Operating Officer · b. 1989
  • Mr. Lee Dickson Brading C.F.A.Chief Financial Officer · b. 1968
  • Justin KrauseSenior VP of Finance & Financial Controller

Financials

Income Statement

Currency: AUD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue29.37K1.63M16.06M58.79M114.82M125.57M159.36M271.13M450.28M
Growth (%)-+5457.65%+884.05%+266.05%+95.31%+9.37%+26.91%+70.14%+66.08%
Cost of Revenue35.35K915.27K7.66M22.49M44.23M91.99M85.58M51.36M65.96M
Gross Profit-5.98K716.79K8.40M36.30M70.59M33.58M73.78M219.76M384.32M
Gross Margin-20.37%43.92%52.30%61.74%61.48%26.74%46.30%81.06%85.35%
Operating Expense808.35K4.75M19.33M63.80M139.27M62.01M51.57M137.52M207.53M
Operating Income-814.33K-4.03M-10.93M-27.50M-68.68M-28.43M22.20M82.25M176.79M
Operating Margin-2773.03%-247.10%-68.04%-46.77%-59.81%-22.64%13.93%30.33%39.26%
EBITDA-807.91K-4.00M-10.93M-27.50M-67.93M-28.58M24.53M82.25M267.51M
EBITDA Margin-2751.16%-245.10%-68.04%-46.77%-59.16%-22.76%15.40%30.33%59.41%
Net Income-1.77M-4.19M-16.60M-31.90M-75.17M-38.09M7.10M78.52M133.13M
Net Income Margin-6029.33%-256.95%-103.34%-54.26%-65.47%-30.34%4.45%28.96%29.57%
R&D127.31K394.00K517.00K490.00K1.46M2.01M666.10K857.80K-
R&D as % of Total Revenue433.53%24.14%3.22%0.83%1.27%1.60%0.42%0.32%-
Interest Expense--5.66M4.37M3.82M8.60M15.97M13.76M14.02M
Interest Expense % of Total Revenue--35.23%7.43%3.33%6.85%10.02%5.08%3.11%

Balance Sheet

Currency: AUD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.18M12.54M64.54M174.11M223.40M172.58M212.65M298.37M400.23M
Total Liabilities160.57K7.24M37.22M114.15M185.61M163.73M190.55M210.54M230.42M
Total Equity-2.25M5.29M27.32M59.96M37.79M8.84M22.09M87.84M169.81M
Cash831.90K6.52M34.97M84.29M76.98M68.28M67.62M73.19M64.05M
Total Debt-4.38M1.14M1.61M78.22M64.11M95.67M104.81M140.81M
Net Debt-831.90K-2.14M-33.83M-82.67M1.24M-4.17M28.05M31.63M76.76M

Cash Flow

Currency: AUD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-900.20K-6.23M-19.92M-24.78M-72.13M8.51M-25.69M40.90M209.91M
Investing Cash Flow-98.42K-368.90K-532.22K-732.91K-1.42M-1.01M-1.37M-1.46M-181.57M
Financing Cash Flow495.00K12.84M49.99M77.53M63.24M-15.69M28.22M-10.37M-25.41M
Capital Expenditure8.86K368.90K125.89K733.96K1.42M1.01M1.37M69.76M1.55M
Free Cash Flow-909.07K-6.60M-20.05M-25.51M-73.55M7.50M-27.06M40.83M208.36M
Dividends Paid---87.31M174.67M----
FCF to OCF100.98%105.92%100.63%102.96%101.97%88.16%105.32%99.83%99.26%
Dividend Paid to FCF----342.25%-237.47%----

Earnings

Report DateAug 30, 2020Jun 10, 2021Aug 15, 2021Nov 14, 2021Feb 27, 2022May 15, 2022Aug 14, 2022Oct 30, 2022Feb 28, 2023May 15, 2023Aug 8, 2023Nov 8, 2023Feb 26, 2024May 8, 2024Aug 7, 2024Nov 7, 2024Feb 24, 2025May 7, 2025Aug 7, 2025Nov 5, 2025Feb 25, 2026May 6, 2026Aug 6, 2026Nov 4, 2026
EPS Estimate0.000.000.000.000.000.000.000.000.000.000.380.38--0.140.153.040.200.580.650.961.240.951.28
EPS Actual-0.01-0.01-0.02-0.010.00-0.02-0.010.000.0011.780.000.230.521.340.360.494.391.000.690.711.211.431.131.37
Surprise-----------100.00%-40.55%--157.14%226.67%44.41%400.00%18.97%9.23%26.04%15.32%18.95%7.03%
Timing---------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap5.05B
Enterprise Value5.27B
Trailing P/E29.83
Forward P/E23.98
PEG Ratio0.09
Price / Sales8.68
Price / Book18.86
EPS5.01
Book Value8.22
Revenue (TTM)581.59M
Gross Profit (TTM)445.06M
EBITDA333.65M
Profit Margin31.39%
Operating Margin38.59%
Return on Equity84.34%
Return on Assets49.03%
Shares Outstanding33.78M
Shares Float19.00M
Beta6.60
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 7 analystsTarget 167.17
  • Strong Buy
    3
  • Buy
    1
  • Hold
    3

Ownership Breakdown

Institutions
45.16%
Insiders
46.62%
Retail / Other
8.22%

Top Institutional Holders

  • BlackRock Inc
    2.54M7.53%
  • Divisadero Street Capital Management, LP
    1.65M4.88%
  • Accredited Investors Inc
    807.44K2.39%
  • Vanguard Capital Management, LLC
    760.32K2.25%
  • State Street Corp
    659.90K1.95%
  • T. Rowe Price Associates, Inc.
    631.85K1.87%
  • Geode Capital Management, LLC
    557.75K1.65%
  • Morgan Stanley - Brokerage Accounts
    496.74K1.47%
  • Driehaus Capital Management LLC
    476.03K1.41%
  • Dimensional Fund Advisors, Inc.
    467.49K1.38%
  • T. Rowe Price Investment Management,Inc.
    439.90K1.30%
  • Vanguard Portfolio Management, LLC
    352.61K1.04%
  • Bank of America Corp
    271.18K0.80%
  • Principal Financial Group Inc
    260.47K0.77%
  • The Goldman Sachs Group Inc
    221.63K0.66%
  • Ardsley Advisory Partners
    215.00K0.64%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    1.03M3.05%
  • Vanguard MStar Total Stk Mkt Idx Invest
    539.53K1.60%
  • iShares Russell 2000 ETF
    416.25K1.23%
  • T. Rowe Price Integrated US Sm Gr Eq
    333.96K0.99%

Stock Splits

  • Mar 31, 20256:1