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Upturn AI Summary - About
Sezzle Inc.(SEZL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SEZL
11/06/2026: SEZL (3-star) is a STRONG-BUY. BUY for 14 days. Simulated Profits (14.78%). Updated daily EoD!
Sezzle Inc. is a financial technology company specializing in Buy Now, Pay Later (BNPL) services, primarily serving e-commerce merchants and their customers. The company has a notable position in the fintech space, leveraging strong merchant partnerships and a focus on underbanked consumers to drive transaction growth. Its shift toward profitability and the launch of subscription-based revenue streams mark a significant evolution in its business maturity. However, Sezzle faces intense competition from larger players and must navigate regulatory risks associated with consumer lending. Investors should monitor credit performance trends and the company’s ability to scale efficiently in a high-interest rate environment.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company operates in a high-growth sector but faces significant competitive and macroeconomic headwinds. |
| Momentum investor | Strong fit while signal remains positive | Momentum investors may find opportunity during periods of strong price action and positive earnings sentiment. |
| Value investor | Weak fit | The company's valuation is often driven by growth expectations rather than traditional earnings multiples. |
| Dividend investor | Weak fit | Sezzle does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | The volatility inherent in fintech and consumer credit makes this unsuitable for low-risk strategies. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock exhibits significant daily price fluctuations common in the speculative fintech sector. |
| Valuation risk | Medium / high | Market sentiment heavily influences valuation, which may decouple from fundamental performance. |
| Competition risk (Digital payments) | High | Large incumbents with superior capital access can aggressively outspend Sezzle. |
| Business quality | Medium | The business model is functional but requires constant capital and rigorous risk management. |
| Dividend income | Low / none | There is no dividend income to provide a buffer against stock price declines. |
| Execution risk | Medium / high | Scaling while maintaining strict credit underwriting is a difficult operational balance. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit 1700.89% | Avg. Invested days 34 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.05B USD | Price to earnings Ratio 28.79 | 1Y Target Price 178.5 |
Price to earnings Ratio 28.79 | 1Y Target Price 178.5 | ||
Volume (30-day avg) 565.6K shares | Beta 6.6 | 52 Weeks Range 49.50 - 195.71 | Updated Date 11/08/2026 |
52 Weeks Range 49.50 - 195.71 | Updated Date 11/08/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.19 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Merchant Fees | Transaction-based fees charged to retailers for offering the Sezzle payment option. | This is the primary engine of revenue, scaling as the value of goods purchased through Sezzle increases. |
| Subscription Services | Recurring fees from the Sezzle Premium subscription product. | Provides a more predictable, recurring revenue stream compared to transaction-based income. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-11-04 | When After Market | Estimate 1.28 | Actual 1.37 |
Profitability
Profit Margin 31.39% | Operating Margin (TTM) 61.21% |
Management Effectiveness
Return on Assets (TTM) 51.44% | Return on Equity (TTM) 84.34% |
Valuation
Trailing PE 28.79 | Forward PE 23.09 | Enterprise Value 5.08B | Price to Sales(TTM) 8.68 |
Enterprise Value 5.08B | Price to Sales(TTM) 8.68 | ||
Enterprise Value to Revenue 8.74 | Enterprise Value to EBITDA 21.85 | Shares Outstanding 33.78M | Shares Floating 19.05M |
Shares Outstanding 33.78M | Shares Floating 19.05M | ||
Percent Insiders 46.62 | Percent Institutions 45.15 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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