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SEZL 
Sezzle Inc. Common Stock (SEZL)
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Upturn Advisory Summary
09/11/2025: SEZL (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $119.25
1 Year Target Price $119.25
| 2 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2126.92% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.98B USD | Price to earnings Ratio 29.82 | 1Y Target Price 119.25 |
Price to earnings Ratio 29.82 | 1Y Target Price 119.25 | ||
Volume (30-day avg) 2 | Beta 9.09 | 52 Weeks Range 23.41 - 186.74 | Updated Date 09/12/2025 |
52 Weeks Range 23.41 - 186.74 | Updated Date 09/12/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.94 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.13% | Operating Margin (TTM) 57.48% |
Management Effectiveness
Return on Assets (TTM) 46.87% | Return on Equity (TTM) 115.76% |
Valuation
Trailing PE 29.82 | Forward PE 16.29 | Enterprise Value 3025619411 | Price to Sales(TTM) 8.02 |
Enterprise Value 3025619411 | Price to Sales(TTM) 8.02 | ||
Enterprise Value to Revenue 8.14 | Enterprise Value to EBITDA 21.72 | Shares Outstanding 34023500 | Shares Floating 17479215 |
Shares Outstanding 34023500 | Shares Floating 17479215 | ||
Percent Insiders 51.62 | Percent Institutions 32.21 |
Upturn AI SWOT
Sezzle Inc. Common Stock
Company Overview
History and Background
Sezzle was founded in 2016 with the goal of providing a Buy Now, Pay Later (BNPL) solution that promotes financial wellness and allows consumers to make purchases through interest-free installment plans. It has grown from a startup to a publicly listed company on the ASX (Australian Securities Exchange) before delisting in 2023 and relisting on Nasdaq (SEZL) in 2024.
Core Business Areas
- Buy Now, Pay Later (BNPL) Services: Sezzle provides a BNPL platform allowing consumers to split purchases into four interest-free installments over six weeks. It integrates with online retailers and some in-store locations, enabling seamless financing at the point of sale.
- Sezzle Up: Sezzle Up is a feature that allows users to report their Sezzle payment history to credit bureaus, helping them build credit.
Leadership and Structure
Sezzle is led by a management team including Charlie Youakim (CEO) and Paul Paradis (President). The organizational structure typically involves departments for technology, finance, marketing, and customer service.
Top Products and Market Share
Key Offerings
- Buy Now, Pay Later (BNPL) Platform: Sezzle's core product is its BNPL platform. Market share data is dynamic and fragmented across the BNPL industry. Competitors include Affirm (AFRM), Klarna, Afterpay (owned by Block - SQ), and PayPal (PYPL) offering similar services. Sezzle's user base and revenue numbers are reported in its financial statements, but precise market share figures fluctuate. Sezzle primarily works with small to medium size businesses (SMBs).
- Sezzle Up: This is a service within the core BNPL product that is meant to help users build their credit. It is not currently a large revenue stream in itself but is an important feature to attract customers.
Market Dynamics
Industry Overview
The BNPL industry is experiencing rapid growth, driven by consumer demand for flexible payment options and increasing e-commerce adoption. The industry faces regulatory scrutiny and increasing competition.
Positioning
Sezzle positions itself as a BNPL provider focused on responsible lending and financial empowerment, particularly targeting younger consumers and those seeking alternatives to traditional credit. It distinguishes itself through its focus on SMBs.
Total Addressable Market (TAM)
The global BNPL market is projected to reach hundreds of billions of dollars. Sezzle is well-positioned to capture a share of this market, given its existing infrastructure and partnerships. The TAM can be broken down to geographical location and merchant size.
Upturn SWOT Analysis
Strengths
- Focus on responsible lending
- Partnerships with retailers
- User-friendly platform
- Integration with credit building features (Sezzle Up)
Weaknesses
- Competition from larger BNPL providers
- Regulatory risks
- Dependence on consumer spending
- Relatively small market share compared to leaders
Opportunities
- Expansion into new markets
- Partnerships with larger retailers
- Development of new financial products
- Increased adoption of BNPL by consumers
Threats
- Increased regulation
- Economic downturn
- Competition from established financial institutions
- Changes in consumer spending habits
Competitors and Market Share
Key Competitors
- AFRM
- SQ
- PYPL
- KLARNA (Private)
Competitive Landscape
Sezzle faces intense competition in the BNPL market. While smaller than its competitors, its partnerships with SMBs and commitment to responsible lending can give it a competitive edge.
Growth Trajectory and Initiatives
Historical Growth: Sezzle has experienced significant growth in transaction volume and user base over the past few years. This growth has been fueled by the increasing popularity of BNPL and the company's partnerships with retailers.
Future Projections: Future growth projections for Sezzle depend on factors such as the continued adoption of BNPL, the company's ability to expand into new markets, and its success in developing new products and services. Analyst estimates should be sourced for concrete projections.
Recent Initiatives: Recent strategic initiatives by Sezzle could include new partnerships with retailers, product launches, and expansion into new markets.
Summary
Sezzle operates in a rapidly growing BNPL market. The company has been able to establish itself as a player in the market. However, the company does face challenges from intense competition. Sezzle will need to capitalize on opportunities like expansion to ensure it remains competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions are subject to change, and investors should conduct their own due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Sezzle Inc. Common Stock
Exchange NASDAQ | Headquaters Minneapolis, MN, United States | ||
IPO Launch date 2023-08-17 | Co-Founder, Executive Chairman & CEO Mr. Charles G. Youakim | ||
Sector Financial Services | Industry Credit Services | Full time employees 402 | Website https://www.sezzle.com |
Full time employees 402 | Website https://www.sezzle.com | ||
Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company offers payment solution in-store and at online retail stores; and through proprietary payments solution that connects consumers with merchants for instantly extends credit at the point-of-sale. It also provides 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; and Pay-in-Two and other alternative installment options, which allow consumer to pay half of the value of their order up-front and the second half in two weeks. In addition, the company offers 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; and Sezzle Up, an opt-in feature of the Sezzle Platform. Further, the company offers Long-Term Lending through collaboration with third-party lenders and Product Innovation. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.
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