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SEZL
Upturn stock ratingUpturn stock rating

Sezzle Inc. Common Stock (SEZL)

Upturn stock ratingUpturn stock rating
$165.4
Last Close (24-hour delay)
Today's Top PicksToday’s top pick
Profit since last BUY233.8%
upturn advisory
Strong Buy
BUY since 43 days
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  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Advisory Summary

06/27/2025: SEZL (3-star) is a STRONG-BUY. BUY since 43 days. Profits (233.80%). Updated daily EoD!

Upturn Star Rating

ratingratingratingratingrating

Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Number of Analysts

rating

2 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.

Year Target Price $90.5

Year Target Price $90.5

Analyst’s Price TargetsFor last 52 week
$90.5Target price
Low$11.67
Current$165.4
high$170.93

Analysis of Past Performance

Type Stock
Historic Profit 2633.85%
Avg. Invested days 42
Today’s Advisory Strong Buy
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 5.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 5.51B USD
Price to earnings Ratio 55.88
1Y Target Price 116.33
Price to earnings Ratio 55.88
1Y Target Price 116.33
Volume (30-day avg) -
Beta 16.1
52 Weeks Range 11.67 - 170.93
Updated Date 06/29/2025
52 Weeks Range 11.67 - 170.93
Updated Date 06/29/2025
Dividends yield (FY) -
Basic EPS (TTM) 2.96

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 32.42%
Operating Margin (TTM) 59.76%

Management Effectiveness

Return on Assets (TTM) 45.83%
Return on Equity (TTM) 137.32%

Valuation

Trailing PE 55.88
Forward PE 50
Enterprise Value 5487785055
Price to Sales(TTM) 16.73
Enterprise Value 5487785055
Price to Sales(TTM) 16.73
Enterprise Value to Revenue 16.68
Enterprise Value to EBITDA 45.91
Shares Outstanding 33286300
Shares Floating 16853850
Shares Outstanding 33286300
Shares Floating 16853850
Percent Insiders 52.97
Percent Institutions 27.55

Analyst Ratings

Rating 5
Target Price 90.5
Buy -
Strong Buy 2
Buy -
Strong Buy 2
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Sezzle Inc. Common Stock

stock logo

Company Overview

overview logo History and Background

Sezzle Inc. was founded in 2016 and is a fintech company that provides a buy now, pay later (BNPL) service. It enables shoppers to split purchases into four interest-free installments over six weeks.

business area logo Core Business Areas

  • Buy Now, Pay Later (BNPL): Sezzle's core business involves providing BNPL services to consumers and merchants. This includes offering installment payment plans for online and in-store purchases.

leadership logo Leadership and Structure

Sezzle's leadership team consists of experienced executives in the fintech and e-commerce industries. The company has a functional organizational structure.

Top Products and Market Share

overview logo Key Offerings

  • Sezzle BNPL: Sezzle's primary product is its BNPL platform, which allows consumers to split purchases into four interest-free installments. Market share data is volatile but approximates around 2-4% of the overall BNPL market. Competitors include Affirm (AFRM), Afterpay (acquired by Block SQ), Klarna, and PayPal (PYPL) with its 'Pay in 4' service.

Market Dynamics

industry overview logo Industry Overview

The BNPL industry has experienced significant growth in recent years, driven by increasing consumer demand for flexible payment options. The industry is becoming more competitive with the entry of major players and increasing regulatory scrutiny.

Positioning

Sezzle positions itself as a consumer-friendly BNPL provider, focusing on transparency and responsible lending practices. The company competes with larger players with greater resources and broader reach.

Total Addressable Market (TAM)

The global BNPL market is expected to reach hundreds of billions of dollars. Sezzle is positioned to capture a share of this expanding market by catering to a digitally native and financially aware customer base.

Upturn SWOT Analysis

Strengths

  • Consumer-friendly platform
  • Focus on transparency
  • Partnerships with merchants
  • Early mover advantage in some markets

Weaknesses

  • Smaller market share compared to competitors
  • Reliance on third-party funding
  • Exposure to credit risk
  • Dependence on regulatory environment

Opportunities

  • Expansion into new markets
  • Increased adoption of BNPL by consumers
  • Partnerships with larger retailers
  • Development of new products and services

Threats

  • Increased competition from larger players
  • Changing regulatory landscape
  • Economic downturn
  • Increased credit risk

Competitors and Market Share

competitor logo Key Competitors

  • AFRM
  • SQ
  • PYPL
  • KLARNA (private)

Competitive Landscape

Sezzle faces intense competition from larger and well-established players in the BNPL market. To succeed, Sezzle must differentiate itself through superior customer service, competitive pricing, and strategic partnerships.

Growth Trajectory and Initiatives

Historical Growth: Sezzle has experienced significant growth in transaction volume and revenue since its founding.

Future Projections: Future growth projections for Sezzle would be based on analyst estimates, market trends, and the company's strategic initiatives.

Recent Initiatives: Recent strategic initiatives undertaken by Sezzle likely include partnerships with merchants, expansion into new markets, and development of new products and services.

Summary

Sezzle is a growing BNPL provider that faces intense competition. Its consumer-friendly platform and focus on transparency are strengths, but it must overcome challenges related to competition, regulation, and funding. It is well-positioned to grow with the BNPL market however recent financials have been tough. Sezzle must execute strategic initatives.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • Analyst Reports
  • Industry Publications

Disclaimers:

This analysis is based on publicly available information and general industry knowledge. It is not financial advice, and investors should conduct their own due diligence.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 402

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.