Loading…
MARKETS
TOOLS
LEARN
Equiscale · Syntellia LLC
Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company 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. It also 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. In addition, the company provides Long-Term Lending through collaboration with third-party lenders and Product Innovation. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $450M | $164M | $133M | $207M | 78.4% | 66.1% | 69.5% |
| 2024 | $271M | $69M | $79M | $129M | 89.4% | 70.1% | 1006.3% |
| 2023 | $159M | $25M | $7M | $-27M | 32.1% | 26.9% | -118.6% |
| 2022 | $126M | $-47M | $-38M | $8M | -430.8% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 125.57 | 159.36 | 271.13 | 450.28 |
| Operating Revenue | - | 125.57 | 159.36 | 271.13 | 450.28 |
| Cost Of Revenue | - | 91.99 | 85.58 | 116.89 | 134.81 |
| Gross Profit | - | 24.98 | 73.78 | 154.24 | 315.47 |
| Operating Expense | - | 73.01 | 51.57 | 85.75 | 152.70 |
| Selling General And Administration | - | 35.38 | 20.57 | 21.14 | 48.96 |
| Total Expenses | - | 173.61 | 137.16 | 202.64 | 287.51 |
| Operating Income | - | -48.04 | 22.20 | 68.48 | 162.77 |
| Total Operating Income As Reported | - | -28.43 | 22.20 | 82.25 | 176.79 |
| EBITDA | - | -47.19 | 24.53 | 69.45 | 164.12 |
| Normalized EBITDA | - | -57.42 | 24.99 | 70.97 | 164.12 |
| EBIT | - | -48.04 | 23.68 | 68.48 | 162.77 |
| Interest Expense | 5.27 | 8.60 | 15.97 | 13.76 | - |
| Net Interest Income | -5.27 | -8.60 | -15.97 | -13.76 | - |
| Other Non Operating Income Expenses | - | -0.23 | 1.93 | 0.35 | 0.12 |
| Other Income Expense | - | 10.01 | 1.48 | -1.17 | 0.12 |
| Interest Expense Non Operating | 5.27 | 8.60 | 15.97 | 13.76 | - |
| Net Non Operating Interest Income Expense | -5.27 | -8.60 | -15.97 | -13.76 | - |
| Pretax Income | - | -38.02 | 7.71 | 67.32 | 162.89 |
| Tax Provision | - | 0.07 | 0.61 | -11.20 | 29.76 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 2.15 | -0.04 | -0.32 | 0 |
| Net Income Continuous Operations | - | -38.09 | 7.10 | 78.52 | 133.13 |
| Net Income From Continuing And Discontinued Operation | - | -38.09 | 7.10 | 78.52 | 133.13 |
| Net Income From Continuing Operation Net Minority Interest | - | -38.09 | 7.10 | 78.52 | 133.13 |
| Net Income | - | -38.09 | 7.10 | 78.52 | 133.13 |
| Net Income Common Stockholders | - | -38.09 | 7.10 | 78.52 | 133.13 |
| Net Income Including Noncontrolling Interests | - | -38.09 | 7.10 | 78.52 | 133.13 |
| Normalized Income | - | -46.18 | 7.52 | 79.72 | 133.13 |
| Diluted NI Availto Com Stockholders | - | -38.09 | 7.10 | 78.52 | 133.13 |
| Basic Average Shares | 31.63 | 33.42 | 33.64 | 33.71 | - |
| Diluted Average Shares | 31.63 | 33.42 | 34.07 | 35.89 | - |
| Reconciled Depreciation | - | 0.85 | 0.86 | 0.96 | 1.36 |
| Reconciled Cost Of Revenue | - | 91.99 | 85.58 | 116.89 | 134.81 |
| Total Unusual Items | - | 10.24 | -0.46 | -1.52 | 0 |
| Total Unusual Items Excluding Goodwill | - | 10.24 | -0.46 | -1.52 | 0 |
| Special Income Charges | - | 10.19 | 0 | -0.26 | 0 |
| Other Special Charges | - | 0.81 | - | 0.26 | - |
| Restructuring And Mergern Acquisition | - | -11 | 0 | - | - |
| Gain On Sale Of Security | - | 0.05 | -0.46 | -1.26 | - |
| Depreciation Amortization Depletion Income Statement | 0.75 | 0.84 | - | - | - |
| Depreciation And Amortization In Income Statement | 0.75 | 0.84 | - | - | - |
| General And Administrative Expense | - | 16.41 | 8.59 | 11.40 | 16.77 |
| Other Gand A | - | 16.41 | 8.59 | 11.40 | 16.77 |
| Other Operating Expenses | - | 8.19 | 7.82 | 9.60 | 14.44 |
| Provision For Doubtful Accounts | - | 29.44 | 23.19 | 55.02 | 89.30 |
| Selling And Marketing Expense | - | 18.97 | 11.98 | 9.74 | 32.19 |
| Amortization | 0.36 | 0.50 | - | - | - |
| Amortization Of Intangibles Income Statement | 0.36 | 0.50 | - | - | - |
| Depreciation Income Statement | 0.39 | 0.34 | - | - | - |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Sezzle Inc.this co. | SEZL | $4.1B | 30.56↑ premium | 23.96 | 78.4% | 25.25 |
| CleanSpark, Inc. | CLSK | $4.3B | 11.81 | 1.98 | 16.8% | 6.67 |
| MarketAxess Holdings Inc. | MKTX | $4.3B | 17.38 | 3.74 | 21.5% | 8.95 |
| ServisFirst Bancshares, Inc. | SFBS | $4.3B | 15.41 | 2.30 | 15.0% | - |
| Fulton Financial Corporation | FULT | $4.2B |
| - |
| - |
| - |
| - |
| 10.70 |
| 1.27 |
| 11.9% |
| - |
| Enova International, Inc. | ENVA | $4.2B | 13.55 | 3.12 | 23.1% | 19.25 |
| United Community Banks, Inc. | UCB | $4.0B | 12.12 | 1.09 | 9.0% | - |
| Cathay General Bancorp | CATY | $3.9B | 12.38 | 1.33 | 10.8% | - |
| Independent Bank Corp. | INDB | $3.8B | 18.52 | 1.07 | 5.8% | - |
| Peer Median | - | 12.96 | 1.66 | 13.4% | 8.95 | |
Historically, May has averaged the highest return (+70.7%); Jul the lowest (-8.1%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.4%Neutral MonthJan 2026: -0.37% | +15.4%Positive MonthFeb 2026: +15.35% | -13.2%Negative MonthMar 2026: -13.24% | +25.8%Positive MonthApr 2026: +25.77% | +48.4%Positive MonthMay 2026: +48.43% | +45.3%Positive MonthJun 2026: +45.26% | -9.8%Negative MonthJul 2026: -9.84% | -23.1%*Negative MonthAug 2026: -23.12% | — | — | — | — |
| 2025 | -8.5%Negative MonthJan 2025: -8.52% | +27.8%Positive MonthFeb 2025: +27.82% | -30.0%Negative MonthMar 2025: -30.01% | +48.9%Positive MonthApr 2025: +48.90% | +105.4%Positive MonthMay 2025: +105.41% | +68.0%Positive MonthJun 2025: +67.98% | -13.6%Negative MonthJul 2025: -13.62% | -38.9%Negative MonthAug 2025: -38.90% | -15.9%Negative MonthSep 2025: -15.93% | -17.6%Negative MonthOct 2025: -17.58% | -5.8%Negative MonthNov 2025: -5.80% | +2.8%Positive MonthDec 2025: +2.79% |
| 2024 | +85.1%Positive MonthJan 2024: +85.14% | +23.3%Positive MonthFeb 2024: +23.35% | +80.3%Positive MonthMar 2024: +80.30% | -40.1%Negative MonthApr 2024: -40.08% | +58.4%Positive MonthMay 2024: +58.36% | +10.0%Positive MonthJun 2024: +10.03% | -0.9%Neutral MonthJul 2024: -0.86% | +55.8%Positive MonthAug 2024: +55.76% | +25.2%Positive MonthSep 2024: +25.22% | +25.8%Positive MonthOct 2024: +25.83% | +97.5%Positive MonthNov 2024: +97.54% | -39.7%Negative MonthDec 2024: -39.67% |
| 2023 | — | — | — | — | — | — | — | — | — | -31.4%Negative MonthOct 2023: -31.40% | +11.0%Positive MonthNov 2023: +11.00% | +105.4%Positive MonthDec 2023: +105.41% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 4 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
