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What this page is: Delvantic's full research page for Sezzle Inc. (SEZL) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.
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profile-header/price-overview— company profile, live quote, market capextended-analysis— the core: three AI lens reads with findings, scores, and the analyst memofuture-predictions— our forward price-band predictionsmarket-narrative/ai-findings/gpt-critique— narrative context, cross-model findings, and an adversarial critique of our own analysis (near the end of the document)- Members-only sections (render as login gates for anonymous readers):
price-history,income-trend,key-metrics,financials(statement tables),insider-trading. The analysis above is public; the raw data tables require a free account.
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any ticker resolves at delvantic.com/stock/TICKER ·
raw inputs are public-company filings and market data (via licensed data feeds);
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Financial Services · Credit Services
Minneapolis, MN 55402, United States
sezzle.com
Price
$125.90
Market Cap
$4.0B
Employees
250
Beta
6.78
Avg Volume
733,563
CEO
Mr. Charles G. Youakim
Sezzle Inc. is a financial technology company that provides buy now, pay later and other digital payment solutions for consumers and merchants. The Sezzle platform is designed to support point-of-sale financing, allowing shoppers to split purchases into manageable installments while giving merchants a flexible payment option that can help streamline checkout. Its product suite includes installment payment plans, subscription-based consumer features, virtual card access, and tools that support alternative credit and spending management. Sezzle serves online retailers and select in-store merchants across consumer-focused industries, with an emphasis on e-commerce and modern retail payments. Headquartered in Minneapolis, Minnesota, Sezzle Inc. operates as a payments platform focused on convenience, transparency, and broader access to short-term financing options.
Runs with full report
Earnings Schedule
Checked daily · calendar updated Aug 11 No upcoming print on the calendar yet — companies typically confirm a few weeks ahead. Last print was Aug 6, 2026.
EPS surprise history — vs analyst consensus · 4 prints of vendor history
+26.0%
Feb '26
+15.3%
May '26
+48.0%
Jul '26
+11.9%
Aug '26
| Print date | EPS est. | EPS actual | Revenue est. | Revenue actual |
|---|---|---|---|---|
| Aug 6, 2026 | $1.01 | $1.13 +11.9% | — | — |
| Jul 16, 2026 | $0.75 | $1.11 +48.0% | — | — |
| May 6, 2026 | $1.24 | $1.43 +15.3% | — | — |
| Feb 25, 2026 | $0.96 | $1.21 +26.0% | — | — |
Green = beat the estimate, red = missed. An earnings print is the fastest way a thesis changes — our designations should be re-read after each one.
Recent SEC Filings
| Filed | Form | Document |
|---|---|---|
| Aug 7, 2026 | 10-Q | View |
| Aug 6, 2026 | 8-K | View |
| Jul 17, 2026 | 4 | View |
| Jul 17, 2026 | 4 | View |
| Jul 16, 2026 | 144 | View |
| Jul 16, 2026 | 144/A | View |
| Jul 15, 2026 | 144 | View |
| Jul 14, 2026 | 8-K | View |
| Jul 8, 2026 | 4 | View |
| Jul 6, 2026 | 4 | View |
| Jul 6, 2026 | 4 | View |
| Jul 1, 2026 | 144 | View |
Filings link to the SEC’s EDGAR system. Annual/quarterly reports (10-K, 10-Q, 20-F) carry the full story; 8-K/6-K current reports are the fastest signal that something material happened.
Price Overview
Last updated: Aug 11, 2026 10:10am (just now)
Current data · timestamped when a report runs
$125.90
Change · Aug 11
+7.90 (+6.69%)
Day Range
$115.72 – $126.13
52-Week Range
$49.50 – $195.71
50-Day MA
$155.11
200-Day MA
$92.91
Volume
8,575.00
Share Structure
Outstanding
33,627,019.00
Float
17,032,470.00
Free Float
50.7%
Normal free float
— 50.7% of shares trade freely, ~49.3% held by insiders/institutions
Healthy float typical of established companies. Good liquidity for entering and exiting positions without major price impact.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
TD Twelve Data statement
HEX SEC filing
P/E Ratio (Price per dollar of earnings)
HEXStock Price / EPS (Diluted)
33.84
Stock Price: $125.90
EPS (Diluted): 3.72
EPS (Diluted): 3.72
P/B Ratio (Price vs net asset value)
HEXStock Price / Book Value Per Share
26.53
Stock Price: $125.90
Total Equity: $169.81M
Shares: 35,787,634
Total Equity: $169.81M
Shares: 35,787,634
EV/EBITDA (Total value vs operating profit)
HEXEnterprise Value / EBITDA
25.51
Market Cap: $3.97B
Total Debt: $0.00
Cash: $64.05M
EBITDA: $164.12M
Total Debt: $0.00
Cash: $64.05M
EBITDA: $164.12M
Enterprise Value (Takeover price (cap + debt - cash))
HEXMarket Cap + Total Debt - Cash
$4.2B
Market Cap: $3.97B
Total Debt: $0.00
Cash: $64.05M
Total Debt: $0.00
Cash: $64.05M
Gross Margin (Revenue left after direct costs)
HEXGross Profit / Revenue
70.1%
Gross Profit: $315.47M
Revenue: $450.28M
Revenue: $450.28M
Operating Margin (Revenue left after all operations)
HEXOperating Income / Revenue
36.1%
Operating Income: $162.77M
Revenue: $450.28M
Revenue: $450.28M
Net Margin (Revenue left as actual profit)
HEXNet Income / Revenue
29.6%
Net Income: $133.13M
Revenue: $450.28M
Revenue: $450.28M
ROE (Profit from shareholder equity)
HEXNet Income / Total Equity
78.4%
Net Income: $133.13M
Total Equity: $169.81M
Total Equity: $169.81M
ROIC (Profit from all invested capital)
HEXNOPAT / Invested Capital
125.8%
Operating Income: $162.77M
Tax Rate: 18.3%
Equity: $169.81M
Total Debt: $0.00
Cash: $64.05M
Tax Rate: 18.3%
Equity: $169.81M
Total Debt: $0.00
Cash: $64.05M
Zero debt — invested capital = equity minus cash (very efficient)
Current Ratio (Can it pay short-term bills)
HEXCurrent Assets / Current Liabilities
3.92
Current Assets: $351.86M
Current Liabilities: $89.77M
Current Liabilities: $89.77M
Debt/Equity (Leverage — debt vs equity)
HEXTotal Debt / Total Equity
0.00
Short-Term Debt: $0.00
Long-Term Debt: $0.00
Total Debt: $0.00
Total Equity: $169.81M
Long-Term Debt: $0.00
Total Debt: $0.00
Total Equity: $169.81M
Zero debt — this company carries no debt obligations. Strongest possible score.
Rev/Share (Top-line per share)
HEXRevenue / Shares Outstanding
$12.58
Revenue: $450.28M
Shares: 35,787,634
Shares: 35,787,634
Book Value/Share (Net assets per share)
HEX(Total Assets - Total Liabilities) / Shares
$4.74
Total Equity: $169.81M
Shares: 35,787,634
Shares: 35,787,634
FCF/Share (Real cash generated per share)
HEX(Operating Cash Flow + CapEx) / Shares
$5.85
Operating CF: $209.91M
CapEx: -$655,000
Shares: 35,787,634
CapEx: -$655,000
Shares: 35,787,634
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
TDLast Annual Dividend / Stock Price
—
Last Dividend: $0.00
Stock Price: $125.90
Stock Price: $125.90
Payout Ratio (Earnings paid out as dividends)
HEXDividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $133.13M
Net Income: $133.13M
Dividends paid not available in cash flow statement
Income Statement (Annual)
Last updated: Aug 11, 2026 10:10am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $72.8M | $125.6M | $159.4M | $271.1M | $450.3M |
| Cost of Revenue | — | $92.0M | $85.6M | $103.1M | $134.8M |
| Gross Profit | $72.8M | $33.6M | $73.8M | $168.0M | $315.5M |
| Operating Expenses | $116.4M | $73.0M | $51.6M | $85.8M | $152.7M |
| Operating Income | -$43.6M | -$39.4M | $22.2M | $82.2M | $162.8M |
| Net Income | -$47.7M | -$38.1M | $7.1M | $78.5M | $133.1M |
| EBITDA | -$44.3M | -$38.8M | $25.0M | $83.6M | $164.1M |
| EPS | $-1.51 | $-1.14 | $0.21 | $2.33 | $3.93 |
| EPS (Diluted) | $-2.41 | $-1.14 | $0.21 | $2.19 | $3.72 |
Balance Sheet (Annual)
Last updated: Aug 7, 2026 4:20am (4d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $77.0M | $68.3M | $67.6M | $73.2M | $64.1M |
| Total Current Assets | $221.3M | $170.1M | $209.0M | $257.6M | $351.9M |
| Total Assets | $223.4M | $172.6M | $212.6M | $298.4M | $400.2M |
| Current Liabilities | $107.6M | $99.2M | $187.3M | $105.7M | $89.8M |
| Long-Term Debt | — | — | — | — | — |
| Total Liabilities | $185.6M | $163.7M | $190.6M | $210.5M | $230.4M |
| Total Equity | $37.8M | $8.8M | $22.1M | $87.8M | $169.8M |
| Retained Earnings | -$127.4M | -$165.5M | -$157.5M | -$89.8M | $-324,000 |
Cash Flow (Annual)
Last updated: Aug 7, 2026 4:20am (4d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$72.1M | $8.5M | -$25.7M | $40.9M | $209.9M |
| Capital Expenditure | $-686,032 | $-52,236 | $-81,609 | $-69,760 | $-655,000 |
| Free Cash Flow | -$72.8M | $8.5M | -$25.8M | $40.8M | $209.3M |
| Acquisitions (net) | — | — | — | — | — |
| Net Debt Issued / (Repaid) | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$2.7M | $-381,434 | -$1.7M | -$23.6M | -$64.7M |
| Net Change in Cash | — | — | — | — | — |
Growth Trends (YoY %)
Last updated: Aug 11, 2026 10:10am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +72.5% | +26.9% | +70.1% | +66.1% |
| Gross Profit Growth | -53.9% | +119.7% | +127.7% | +87.8% |
| Operating Income Growth | +9.5% | +156.3% | +270.5% | +97.9% |
| Net Income Growth | +20.1% | +118.6% | +1,006.3% | +69.5% |
| EBITDA Growth | +12.3% | +164.4% | +234.4% | +96.4% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-07-16 | Brading Lee Dickson | S-Sale | 434.00 | $195.03 | $84,642 |
| 2026-07-16 | Paradis Paul | S-Sale | 7,232.00 | $190.25 | $1.4M |
| 2026-07-16 | Paradis Paul | S-Sale | 900.00 | $191.21 | $172,085 |
| 2026-07-16 | Paradis Paul | S-Sale | 500.00 | $192.19 | $96,093 |
| 2026-07-16 | Paradis Paul | S-Sale | 1,700.00 | $193.52 | $328,983 |
| 2026-07-16 | Paradis Paul | S-Sale | 400.00 | $194.52 | $77,806 |
| 2026-07-15 | Brading Lee Dickson | S-Sale | 2,326.00 | $185.38 | $431,199 |
| 2026-07-15 | Brading Lee Dickson | S-Sale | 1,104.00 | $186.45 | $205,841 |
| 2026-07-15 | Brading Lee Dickson | S-Sale | 1,200.00 | $187.45 | $224,940 |
| 2026-07-15 | Brading Lee Dickson | S-Sale | 270.00 | $188.08 | $50,782 |
| 2026-07-15 | Brading Lee Dickson | S-Sale | 5,000.00 | $190.30 | $951,506 |
| 2026-07-15 | Paradis Paul | S-Sale | 5,283.00 | $190.39 | $1.0M |
| 2026-07-15 | Paradis Paul | S-Sale | 2,362.00 | $191.86 | $453,162 |
| 2026-07-15 | Paradis Paul | S-Sale | 600.00 | $192.89 | $115,731 |
Industry Benchmarks
Compares SEZL against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for SEZL — it's generated by the pipeline (
market-narrative step).
Claude Reading
No AI findings yet for SEZL — they're generated by the
pipeline (
ai-findings step) when a report is run on this ticker.
GPT Reading
No GPT reading yet for SEZL — it's generated by the
pipeline (
gpt-critique step) after the other Big-3 seats, when a
report is run on this ticker.
Grok Reading
No Grok reading yet for SEZL — it's generated by the
pipeline (
grok-critique step) alongside the other Big-3 seats, when a
report is run on this ticker.
Advanced Analysis Forensic deep-dive · four lenses
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Data via Financial Modeling Prep · Cached for performance · twelvedata
v1.1.525 · a5aac093 · 2026-08-10 20:52:14