Sezzle Inc. (SEZL)

Sezzle's stock price has experienced significant fluctuations in the past six months. The share price increased by 102.52% over the past year, but dropped by 48.48% in the last six months. The stock experienced a significant drop after its Q2 2025 results were announced due to deceleration of operational momentum, rising credit loss provisions, a lower take rate, and plateauing core revenue segments. Sezzle reported strong Q3 2025 results, exceeding market revenue expectations, and the stock jumped 15.4%. Sezzle announced it would join the S&P SmallCap 600 index. The company authorized a $100 million stock repurchase program after completing a previous $50 million program. Some analysts and investors view SEZL as an "Affordable Growth" opportunity, citing strong revenue growth, profitability, and a healthy financial position.

Demand for Sezzle's products and services exhibits seasonality, particularly around major retail events and holiday shopping periods. The company actively equips merchants to capture price-conscious shoppers during Black Friday, Cyber Monday, and the broader holiday season. A survey indicated that nearly half of surveyed shoppers were concerned about rising prices, and 78% stated that having more time to pay directly influenced their purchasing decisions. The survey also revealed that almost 60% of shoppers had already started or planned to start their holiday shopping earlier, suggesting a pull-forward of demand in anticipation of these peak periods.

Sezzle, Inc. is a technology-enabled payments company in the United States and Canada, operating in the Technology Services sector, specifically Transaction and Payment Processing Services. Its core business is a Buy Now, Pay Later (BNPL) platform, offering interest-free installment plans for online and in-store purchases. The company provides a payment solution that splits purchases into four interest-free payments over six weeks. The Sezzle Virtual Card allows consumers to use the platform with non-integrated merchants, both in-store and online. Sezzle Anywhere is a paid subscription service enabling consumers to use their Sezzle Virtual Card at any merchant that accepts Visa. Sezzle On-Demand is a service for non-subscribers to use the Sezzle Platform at any merchant online or in-store, typically involving a one-time fee. Sezzle Premium is a paid subscription service providing access to large, non-integrated premium merchants. Sezzle Up is an opt-in feature that allows consumers to build credit history. Long-term lending is offered through collaborations with third-party lenders, and the company continuously develops new products and ways to reach customers.

Sezzle Inc. primarily operates in the United States and Canada.

Sezzle's brand reputation in the past year appears to be generally positive, particularly among its users, with a Net Promoter Score (NPS) of 75. Revenue growth suggests that its offerings resonate with customers and that demand is strong. Sezzle has also been actively positioning itself to help merchants during peak shopping seasons. However, the Buy Now, Pay Later industry faces increasing regulatory scrutiny and inherent credit risks, which could impact Sezzle's reputation and business model if not managed effectively.

Sezzle Inc. has a mixed ownership structure, with significant holdings by individual insiders, institutional investors, and retail investors. Individual insiders hold approximately 48.16% to 51.05% of the company's stock, with CEO Charles Youakim being the largest individual shareholder. Institutional investors account for approximately 14.60% to 29.84% of the stock, including Divisadero Street Capital Management, LP, BlackRock, Inc., and Vanguard Group Inc. Retail investors own approximately 18% to 31.29% of the company.