Sezzle

SEZL

Market cap $2.28B

At the annual Motley Fool member event, Motley Fool co-founder and CEO Tom Gardner talked with Sezzle co-founder and CEO Charlie Youakim about entrepreneurship, competition, and the business of buy now, pay later.

Sezzle is down roughly 70% from its peak earlier this year. The stock looks cheap at a forward P/E of 16.

SEZL is growing its top line ~62% and bottom line ~87%, faster than peers, while trading at 17.5x TTM earnings. SEZL's business model is unique and hard to copy, with both merchant- and consumer-facing revenue streams. SEZL's short-duration, small-ticket installment plans, dynamic credit model, and gamified incentives reduce credit risk and boost user engagement.

Sezzle Inc. (OTC:SEZNL) Q3 2025 Earnings Call November 5, 2025 5:00 PM EST Company Participants Charles Youakim - Co-Founder, Executive Chairman & CEO Karen Hartje - Chief Financial Officer Conference Call Participants Mike Grondahl - Northland Capital Markets, Research Division Harold Goetsch - B. Riley Securities, Inc., Research Division Rayna Kumar - Oppenheimer & Co. Inc., Research Division Hoang Nguyen - TD Cowen, Research Division Presentation Operator Good day, and welcome to the Sezzle Inc. Third Quarter 2025 Earnings Conference Call.

Sezzle Inc. (SEZL) came out with quarterly earnings of $0.71 per share, beating the Zacks Consensus Estimate of $0.65 per share. This compares to earnings of $0.49 per share a year ago.

Quarterly GMV rose 58.7% YoY exceeding $1 Billion for the first time Total Revenue increased 67.0% YoY reaching a new quarterly high Net Income Per Diluted Share in the quarter grew 70.5% YoY to $0.75; Adjusted Net Income Per Diluted Share climbed 51.1% YoY to $0.71 For FY2025, Sezzle is raising guidance for Net Income Per Diluted Share, Adjusted Net Income Per Diluted Share, and Adjusted EBITDA Introducing FY2026 Adjusted Net Income Per Diluted Share guidance of $4.35 MINNEAPOLIS, Nov. 05, 2025 (GLOBE NEWSWIRE) -- Sezzle Inc. (NASDAQ:SEZL) ( Sezzle or Company) // Purpose-driven digital payment platform, Sezzle, is pleased to update the market on key financial metrics for the quarter ended September 30, 2025. “Our products continue to resonate with consumers, as we're seeing clear momentum in both engagement and scale,” noted Charlie Youakim, Sezzle Executive Chairman and CEO.

SEZL aims for another strong quarter, with third-quarter 2025 revenues projected to jump 49% y/y on new products and WebBank synergies.

Minneapolis, MN, Oct. 21, 2025 (GLOBE NEWSWIRE) -- Sezzle Inc. (NASDAQ: SEZL) (Sezzle or Company) // Purpose-driven digital payment platform, Sezzle, will release its third quarter 2025 results after the market close on November 5, 2025. The Company will host a conference call and webcast at 5:00pm ET that same day. The earnings presentation will be available shortly after market close, via the Company's Investor Relations website. Investors are encouraged to submit questions in advance of the call by emailing: investorrelations@sezzle.com.

Sezzle is rated Neutral [Hold], due to slowing growth, deteriorating asset quality, and still-exorbitant valuations, despite a sharp stock correction. 2Q25 results showed revenue growth and estimate beats, but rising credit loss provisions, lower take rate, and plateauing core revenue segments disappointed the market. SEZL's growth outlook is now constrained by tighter lending standards, as credit quality worsens, with consumer fee and subscription revenues losing momentum.

Sezzle (SEZL) remains rated Hold despite a 50% correction, as growth deceleration challenges the core investment thesis. SEZL's credit risk and provisioning increases are manageable, but topline growth guidance for 2025 signals a concerning slowdown. Valuation contraction alone is not enough for new entries; growth premium should be penalized if deceleration persists.