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SEZL 
Sezzle Inc. (SEZL)
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Upturn Advisory Summary
10/10/2025: SEZL (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $120.25
1 Year Target Price $120.25
| 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 10/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.63B USD | Price to earnings Ratio 26.31 | 1Y Target Price 120.25 |
Price to earnings Ratio 26.31 | 1Y Target Price 120.25 | ||
Volume (30-day avg) 2 | Beta 8.76 | 52 Weeks Range 24.86 - 186.74 | Updated Date 10/12/2025 |
52 Weeks Range 24.86 - 186.74 | Updated Date 10/12/2025 | ||
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 26.31 | Forward PE 15.6 | Enterprise Value 2876256399 | Price to Sales(TTM) 7.08 |
Enterprise Value 2876256399 | Price to Sales(TTM) 7.08 | ||
Enterprise Value to Revenue 7.74 | Enterprise Value to EBITDA 20.65 | Shares Outstanding 34023465 | Shares Floating 17513579 |
Shares Outstanding 34023465 | Shares Floating 17513579 | ||
Percent Insiders 51.52 | Percent Institutions 32.25 |
Upturn AI SWOT
Sezzle Inc.
Company Overview
History and Background
Sezzle Inc. was founded in 2016 with the mission to empower financially responsible consumers and merchants. It gained traction by offering a buy now, pay later (BNPL) service, allowing consumers to split purchases into interest-free installments. Initially focused on the US and Canada, Sezzle expanded its reach and offerings over time.
Core Business Areas
- Buy Now, Pay Later (BNPL) Service: Sezzle's primary service is a BNPL platform enabling consumers to make purchases and pay them off in four interest-free installments over six weeks. Merchants integrate Sezzle into their online or in-store checkout process.
Leadership and Structure
Sezzle's leadership typically includes a CEO, CFO, CTO, and other key executives. The organizational structure usually consists of departments such as engineering, product, marketing, sales, and finance, reporting to the executive team and the board of directors.
Top Products and Market Share
Key Offerings
- Sezzle BNPL: This is the core product, allowing consumers to split purchases into four interest-free installments. Market share data is dynamic; competitors include Klarna, Afterpay, Affirm, and PayPal. Sezzle focuses on smaller merchants and a younger demographic. Market share percentage is reported under 'Competitors' section.
Market Dynamics
Industry Overview
The BNPL industry is experiencing rapid growth, driven by increasing consumer demand for flexible payment options, particularly among younger demographics. The market is competitive, with several established players and emerging startups.
Positioning
Sezzle positions itself as a BNPL provider that focuses on smaller merchants and caters to a younger demographic. Its competitive advantage includes user-friendly interface and a strong emphasis on responsible spending.
Total Addressable Market (TAM)
The global BNPL market is projected to reach hundreds of billions of dollars. Sezzle is positioned to capture a portion of this TAM through its merchant partnerships and consumer adoption. Estimates vary but often exceed $500 billion within 5 years.
Upturn SWOT Analysis
Strengths
- User-friendly platform
- Interest-free payment option for consumers
- Partnerships with a diverse range of merchants
- Focus on responsible spending
Weaknesses
- Reliance on consumer spending habits
- Competition from larger BNPL providers
- Potential for regulatory scrutiny
- Credit risk associated with BNPL loans
Opportunities
- Expansion into new markets and verticals
- Development of new financial products and services
- Strategic partnerships with retailers and financial institutions
- Increased adoption of BNPL by consumers
Threats
- Increased competition from existing and new players
- Changes in consumer spending habits
- Economic downturn
- Regulatory changes impacting the BNPL industry
Competitors and Market Share
Key Competitors
- AFRM
- SQSP (Block Inc. including Afterpay)
- PYPL (Paypal)
- GPN (Global Payments - associated with Klarna)
Competitive Landscape
Sezzle faces strong competition from Affirm, Afterpay (owned by Block Inc.), and PayPal, which have larger customer bases and resources. Sezzle differentiates itself through its focus on smaller merchants and responsible spending. Market share information fluctuates.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends should be analyzed based on revenue, customer acquisition, and market share data. Data is dynamically changing and not available.
Future Projections: Future growth projections would rely on analyst estimates and company guidance. Data is dynamically changing and not available.
Recent Initiatives: Recent strategic initiatives might include new product launches, partnerships, or market expansions.
Summary
Sezzle is a BNPL provider targeting smaller merchants and younger consumers. It faces intense competition from larger, more established players. Growth hinges on expanding its merchant network and managing credit risk effectively. Sezzle's focus on responsible spending is a key differentiator, but economic conditions and regulatory scrutiny pose challenges.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Market research reports
- Industry analysis reports
- Press releases
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market data and analyst estimates are subject to change. Investment decisions should be based on thorough research and consultation with a financial professional.
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.
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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