Sezzle Inc. (SEZL)
Summary
Sezzle: Recent Pullback Provides A Good Entry Point
Sezzle, Inc. demonstrates superior profitability and growth, outperforming peers across nearly all key financial metrics in the BNPL sector. SEZL's revenue CAGR of 40.7% (FY2021-FY2025) and net income CAGR of 333.1% (FY2023–FY2025) underpin robust margin expansion and sustained earnings momentum. My discounted cash flow analysis yields a conservative equity value of $125.66 per share, 11.4% above the current price, supporting a Buy rating.
Sezzle: New Launches, High Returns, Above-Average Growth
Sezzle offers an attractive entry point after a 45% pullback, with robust multi-year revenue and earnings growth expected. SEZL's product launches—Sezzle Send and SezzleCash—are positioned to drive user acquisition, retention, and platform virality. Profitability metrics remain exceptional: ROE 89%, ROIC 64%, and ROA 35%, far exceeding sector medians.
Sezzle: Why I Think The Sell-Off Is An Opportunity
Sezzle's growth remains strong, with subscribers up 76.4%, transactions up 32%, and quarterly GMV up 38% year over year. Profitability and outlook are improving, supported by expanding margins and expectations for continued double-digit revenue and earnings growth. The stock may still be undervalued despite rising 71% YTD, particularly based on its low forward PEG and stronger growth versus sector peers.
Sezzle Inc. Investors
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
 Timothy M. Bidwell Hazlett, BURT & WATSON Inc. | 57 | $4,533.21 | $7,305.12 | $2,771.91 | 61.15% |
 Curtis Ellergodt Rothschild Investment LLC | 36 | $4,923.3 | $4,431.96 | -$491.34 | -9.98% |
| BZ Brandon Zatopek Commonwealth Equity Services LLC | 18,089 | $3.1M | $2.23M | -$877,763.21 | -28.27% |
| JD Jim Dushek HARBOUR INVESTMENTS Inc. | 30 | $1,278.9 | $3,693.3 | $2,414.4 | 188.79% |
| LN Louis Navellier NAVELLIER & ASSOCIATES Inc. | 59,076 | $3.9M | $7.75M | $3.85M | 98.69% |
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Sezzle Inc. Profile
| Financial Services Industry | Financials Sector | Charles G. Youakim CEO | NASDAQ (CM) Exchange | 78435P105 CUSIP |
| US Country | 201 Employees | - Last Dividend | 16 May 2023 Last Split | 17 Aug 2023 IPO Date |
Overview
Sezzle Inc. is a technology-enabled payments company primarily operating in the United States and Canada, with a focus on providing innovative payment solutions for both in-store and online retail experiences. Incorporated in 2016 and headquartered in Minneapolis, Minnesota, Sezzle aims to connect consumers with merchants through its proprietary payments platform. This platform is designed to offer financial flexibility by allowing consumers to purchase merchandise and pay over time in installments, thereby making shopping more accessible and budget-friendly.
Products and Services
- Sezzle Platform: A comprehensive payment solution that offers credit at the point-of-sale, enabling consumers to receive their merchandise immediately while allowing them to pay for their purchases in installments over time.
- Pay-in-Four: This service allows consumers to split their purchase price into four equal payments. The first payment is made upfront, followed by three additional payments every two weeks over a six-week period.
- Pay-in-Full: Through the Sezzle Platform, this option permits consumers to pay the full value of their order upfront, without requiring an extension of credit.
- Pay-in-Two and Alternative Installment Options: This option offers consumers the ability to pay half of their order's value upfront and the remaining half two weeks later, along with other alternative installment payments methods that provide flexibility in how consumers can manage their purchasing budget.
- Sezzle Virtual Card: This virtual card enables consumers to access the Sezzle Platform as close-end installment loans, allowing shopping with merchants not directly integrated with Sezzle, thus expanding the usability of the Sezzle services across a broader range of shopping outlets.
- Sezzle Anywhere: A subscription service that empowers consumers to use their Sezzle Virtual Card at any merchant, online or in-store, providing even greater flexibility and choice in where to shop.
- Sezzle Premium: A paid subscription that grants consumers access to large, premium merchants that are not integrated with Sezzle. This service is aimed at providing exclusive shopping opportunities with high-end retailers.
- Sezzle Up: An opt-in feature that enhances the functionality of the Sezzle Platform, offering additional benefits and services to consumers.
- Long-Term Lending: By collaborating with third-party lenders, Sezzle extends the range of financial solutions it offers, providing options for consumers seeking longer-term lending solutions beyond the immediate installment plans.
- Product Innovation: Sezzle is committed to continuous improvement and expansion of its product offerings to meet the evolving needs of both consumers and merchants, ensuring a seamless and user-friendly experience.
Contact Information
