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Sezzle Inc. Common Stock (SEZL)
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Upturn Advisory Summary
07/09/2025: SEZL (3-star) is a STRONG-BUY. BUY since 50 days. Profits (235.20%). Updated daily EoD!
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 $149.67
1 Year Target Price $149.67
| 2 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2645.26% | Avg. Invested days 43 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 07/09/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.46B USD | Price to earnings Ratio 55.26 | 1Y Target Price 149.67 |
Price to earnings Ratio 55.26 | 1Y Target Price 149.67 | ||
Volume (30-day avg) 2 | Beta 16.1 | 52 Weeks Range 11.67 - 186.74 | Updated Date 07/9/2025 |
52 Weeks Range 11.67 - 186.74 | Updated Date 07/9/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.97 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
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 55.26 | Forward PE 49.51 | Enterprise Value 5445178598 | Price to Sales(TTM) 16.6 |
Enterprise Value 5445178598 | Price to Sales(TTM) 16.6 | ||
Enterprise Value to Revenue 16.55 | Enterprise Value to EBITDA 45.55 | Shares Outstanding 33286300 | Shares Floating 16856846 |
Shares Outstanding 33286300 | Shares Floating 16856846 | ||
Percent Insiders 52.97 | Percent Institutions 27.55 |
Upturn AI SWOT
Sezzle Inc. Common Stock
Company Overview
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.
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 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
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
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
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.
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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