Financial Services · Financial - Credit Services
Price
$170.56
Market Cap
$5.7B
Employees
402
Beta
6.97
Avg Volume
713,558
CEO
Charles G. Youakim
Business Description
Sezzle Inc., established in 2016 and based in Minneapolis, Minnesota, functions as a tech-powered payment enterprise with operations concentrated in the United States and Canada. It delivers a payment service available at both e-commerce sites and physical retail outlets, facilitating connections between consumers and businesses. The company's platform allows patrons to complete online transactions and divide the total cost into four equivalent, interest-free installments, payable over a six-week period.
Business History
Price Overview
Last updated: Jun 27, 2026 10:06am (just now)$170.56
+6.82 (+4.17%)
Day Range
$158.57 – $171.26
52-Week Range
$49.50 – $186.74
50-Day MA
$110.63
200-Day MA
$80.10
Volume
862,523.00
Analyst Price Targets
Low
$76.00
Consensus
$137.33
High
$170.00
(9 analysts)
Share Structure
Outstanding
33,627,018.00
Float
17,016,617.00
Free Float
50.6%
Normal free float
— 50.6% of shares trade freely, ~49.4% 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
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
38.84
Stock Price: $170.56
EPS (Diluted): 3.93
EPS (Diluted): 3.93
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
12.68
Stock Price: $170.56
Total Equity: $169.81M
Shares: 35,744,000
Total Equity: $169.81M
Shares: 35,744,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
29.75
Market Cap: $5.74B
Total Debt: $140.65M
Cash: $64.05M
EBITDA: $178.15M
Total Debt: $140.65M
Cash: $64.05M
EBITDA: $178.15M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$2.2B
Market Cap: $5.74B
Total Debt: $140.65M
Cash: $64.05M
Total Debt: $140.65M
Cash: $64.05M
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
85.4%
Gross Profit: $384.32M
Revenue: $450.28M
Revenue: $450.28M
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
39.3%
Operating Income: $176.79M
Revenue: $450.28M
Revenue: $450.28M
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
29.6%
Net Income: $133.13M
Revenue: $450.28M
Revenue: $450.28M
ROE (Profit from shareholder equity)
APINet Income / Total Equity
90.9%
Net Income: $133.13M
Total Equity: $169.81M
Total Equity: $169.81M
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
46.7%
Operating Income: $176.79M
Tax Rate: 18.3%
Equity: $169.81M
Total Debt: $140.65M
Cash: $64.05M
Tax Rate: 18.3%
Equity: $169.81M
Total Debt: $140.65M
Cash: $64.05M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
3.92
Current Assets: $351.86M
Current Liabilities: $89.77M
Current Liabilities: $89.77M
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.83
Short-Term Debt: $0.00
Long-Term Debt: $140.65M
Total Debt: $140.65M
Total Equity: $169.81M
Long-Term Debt: $140.65M
Total Debt: $140.65M
Total Equity: $169.81M
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$12.60
Revenue: $450.28M
Shares: 35,744,000
Shares: 35,744,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$4.75
Total Equity: $169.81M
Shares: 35,744,000
Shares: 35,744,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$5.83
Operating CF: $209.91M
CapEx: -$1.55M
Shares: 35,744,000
CapEx: -$1.55M
Shares: 35,744,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
0.0%
Last Dividend: N/A
Stock Price: $170.56
Stock Price: $170.56
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $133.13M
Net Income: $133.13M
Dividends paid not available in cash flow statement
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)
Income Statement (Annual)
Last updated: Jun 21, 2026 7:27pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $114.8M | $125.6M | $159.4M | $271.1M | $450.3M |
| Cost of Revenue | $44.2M | $92.0M | $85.6M | $103.1M | $66.0M |
| Gross Profit | $70.6M | $33.6M | $73.8M | $168.0M | $384.3M |
| Operating Expenses | $139.3M | $62.0M | $51.6M | $85.8M | $207.5M |
| Operating Income | -$68.7M | -$28.4M | $22.2M | $82.2M | $176.8M |
| Net Income | -$75.2M | -$38.1M | $7.1M | $78.5M | $133.1M |
| EBITDA | -$67.9M | -$28.6M | $24.5M | $82.0M | $178.1M |
| EPS | $-2.38 | $-1.17 | $0.21 | $2.33 | $3.93 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 7:27pm (5d 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 | $78.0M | $64.0M | $250,000 | $104.0M | $140.7M |
| 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: Jun 21, 2026 7:27pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$72.1M | $8.5M | -$25.7M | $40.9M | $209.9M |
| Capital Expenditure | $-686,032 | -$1.0M | -$1.4M | -$1.5M | -$1.5M |
| Free Cash Flow | -$72.8M | $7.5M | -$27.1M | $39.4M | $208.4M |
| Acquisitions (net) | $0 | $0 | $0 | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$2.7M | $-381,434 | -$1.7M | -$23.6M | -$64.7M |
| Net Change in Cash | -$10.2M | -$9.4M | $1.2M | $27.6M | $4.3M |
Analyst Estimates (Annual)
Last updated: Jun 27, 2026 10:06am (just now)| Metric | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|
| Revenue |
$249.2M $246.8M – $251.6M
|
$448.0M $442.0M – $451.9M
|
$591.8M $583.8M – $596.4M
|
$747.1M $735.2M – $761.1M
|
| EBITDA |
$1.6M $1.6M – $1.7M
|
$3.0M $2.9M – $3.0M
|
$3.9M $3.9M – $3.9M
|
$4.9M $4.9M – $5.0M
|
| Net Income |
$58.2M $56.8M – $59.6M
|
$119.4M $117.6M – $121.2M
|
$181.8M $180.1M – $183.4M
|
$230.4M $222.9M – $245.2M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 7:27pm (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +9.4% | +26.9% | +70.1% | +66.1% |
| Gross Profit Growth | -52.4% | +119.7% | +127.7% | +128.8% |
| Operating Income Growth | +58.6% | +178.1% | +270.5% | +115.0% |
| Net Income Growth | +49.3% | +118.6% | +1,006.3% | +69.5% |
| EBITDA Growth | +57.9% | +185.9% | +234.4% | +117.1% |
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 |
|---|---|---|---|---|---|
| 2026-06-18 | Brading Lee Dickson | S-Sale | 1,972.00 | $160.31 | $316,125 |
| 2026-06-18 | Brading Lee Dickson | S-Sale | 1,948.00 | $161.00 | $313,628 |
| 2026-06-20 | Sabzivand Amin | F-InKind | 342.00 | $163.28 | $55,842 |
| 2026-06-20 | Khurana Rajeev | A-Award | 3,500.00 | $0.00 | $0 |
| 2026-06-20 | Krause Justin | F-InKind | 45.00 | $163.28 | $7,348 |
| 2026-06-18 | Paradis Paul | S-Sale | 15,553.00 | $160.26 | $2.5M |
| 2026-06-18 | Paradis Paul | S-Sale | 1,612.00 | $161.22 | $259,889 |
| 2026-06-18 | Paradis Paul | S-Sale | 3,239.00 | $162.76 | $527,190 |
| 2026-06-18 | Paradis Paul | S-Sale | 5,806.00 | $163.43 | $948,856 |
| 2026-06-18 | Paradis Paul | S-Sale | 190.00 | $164.11 | $31,181 |
| 2026-06-01 | Khurana Rajeev | 0.00 | $0.00 | $0 | |
| 2026-06-12 | Paradis Paul | S-Sale | 2,900.00 | $130.33 | $377,944 |
| 2026-06-12 | Paradis Paul | S-Sale | 1,500.00 | $131.54 | $197,315 |
| 2026-06-12 | Paradis Paul | S-Sale | 4,249.00 | $132.82 | $564,368 |
| 2026-06-12 | Paradis Paul | S-Sale | 8,150.00 | $133.72 | $1.1M |
| 2026-06-12 | Paradis Paul | S-Sale | 7,421.00 | $134.55 | $998,488 |
| 2026-06-12 | Paradis Paul | S-Sale | 2,180.00 | $135.62 | $295,647 |
| 2026-05-27 | Krause Justin | S-Sale | 178.00 | $113.00 | $20,114 |
| 2026-05-27 | Krause Justin | S-Sale | 3,000.00 | $118.00 | $354,000 |
| 2026-05-15 | Hunt Bryan Cecil | A-Award | 935.00 | $0.00 | $0 |
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).
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My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30