Sezzle (SEZL) Stock Price, News & Analysis

Company Overview

Sezzle Inc. is a financial technology company specializing in buy now, pay later (BNPL) services that enable consumers to split purchases into interest-free installment payments. By integrating its platform with e-commerce merchants, Sezzle provides shoppers with flexible payment options at checkout while merchants benefit from increased conversion rates and average order values. The company’s technology is designed to offer a seamless user experience, with instant approval decisions and no hidden fees, positions it as a consumer-friendly alternative to traditional credit products.

Founded in 2016 and headquartered in Minneapolis, Minnesota, Sezzle completed its initial public offering on the Nasdaq under the ticker SEZL. Since inception, the company has expanded its operations beyond the United States into Canada and has explored additional markets in Asia-Pacific regions. Sezzle’s merchant network spans a wide range of retail categories, including fashion, electronics, home goods and wellness, allowing it to serve a broad consumer base and diverse market verticals.

Sezzle’s platform leverages data-driven underwriting and risk management models to assess consumer creditworthiness while maintaining responsible lending practices. The company generates revenue primarily through merchant fees, sharing a portion of the transaction value in exchange for driving customer acquisition and repeat purchases for its retail partners. Over time, Sezzle has enhanced its service offerings with features such as estimated installment schedules and real-time account management tools.

Leadership at Sezzle is anchored by co-founder and Chief Executive Officer Charlie Youakim, who oversees the company’s strategic growth and product development. Co-founder Paul Paradis contributes to corporate strategy and partnership development, drawing on his background in payments and technology. Together, the executive team focuses on scaling Sezzle’s presence in existing markets, forging new merchant relationships and advancing the company’s mission to make responsible payment solutions accessible to consumers worldwide.

Key Stats

• Today's Range: $83.55 to $89.30
• 50-Day Range: $87.31 to $181.50
• 52-Week Range: $21.04 to $186.74
• Volume: 961,009 shs
• Average Volume: 1.05 million shs
• Market Capitalization: $2.89 billion
• P/E Ratio: 29.09
• Dividend Yield: N/A
• Price Target: $124.33
• Consensus Rating: Buy

Sezzle Stock Analysis - MarketRank™

Sezzle scored higher than 76% of companies evaluated by MarketBeat, and ranked 99th out of 313 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

Sezzle has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 3 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Sezzle has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 29.07%

Earnings Growth

Earnings for Sezzle are expected to grow by 29.07% in the coming year, from $9.77 to $12.61 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Sezzle is 29.09, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 271.86.

Price to Earnings Ratio vs. Sector

The P/E ratio of Sezzle is 29.09, which means that it is trading at a more expensive P/E ratio than the Business Services sector average P/E ratio of about 26.92.

Price to Book Value per Share Ratio

Sezzle has a P/B Ratio of 22.16. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

18.92% of the float of Sezzle has been sold short.

Short Interest Ratio / Days to Cover

Sezzle has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Sezzle has recently increased by 9.38%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Sezzle does not currently pay a dividend.

Dividend Growth

Sezzle does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

18.92% of the float of Sezzle has been sold short.

Short Interest Ratio / Days to Cover

Sezzle has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Sezzle has recently increased by 9.38%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 1.62

News Sentiment

Sezzle has a news sentiment score of 1.62. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.74 average news sentiment score of Business Services companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Sezzle this week, compared to 7 articles on an average week.

Search Interest

45 people have searched for SEZL on MarketBeat in the last 30 days. This is an increase of 25% compared to the previous 30 days.

MarketBeat Follows

Only 28 people have added Sezzle to their MarketBeat watchlist in the last 30 days. This is a decrease of -7% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Sezzle insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $10,476,922.00 in company stock.

Percentage Held by Insiders

49.49% of the stock of Sezzle is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 2.02% of the stock of Sezzle is held by institutions.

SEZL Stock Analysis - Frequently Asked Questions

How have SEZL shares performed this year?

Sezzle's stock was trading at $42.6333 on January 1st, 2025. Since then, SEZL stock has increased by 99.1% and is now trading at $84.89.

How were Sezzle's earnings last quarter?

Sezzle Inc. (NASDAQ:SEZL) issued its quarterly earnings data on Thursday, August, 7th. The company reported $0.69 EPS for the quarter, topping analysts' consensus estimates of $0.58 by $0.11. The company earned $60.31 million during the quarter, compared to analysts' expectations of $93.33 million. Sezzle had a trailing twelve-month return on equity of 102.90% and a net margin of 28.13%.
Read the conference call transcript.

When did Sezzle's stock split?

Sezzle shares split on Monday, March 31st 2025.A 6-1 split was announced. The newly issued shares were issued to shareholders after the market closes on Sunday, March 30th 2025. An investor that had 100 shares of stock prior to the split would have 600 shares after the split.

How will Sezzle's stock buyback program work?

Sezzle's board approved a stock buyback program on Monday, March 10th 2025, which permits the company to buy back $50,000,000 in shares, according to EventVestor. This means that the company could buy up to 4.3% of its stock through open market purchases. Stock buyback programs are typically an indication that the company's board of directors believes its stock is undervalued.

When did Sezzle IPO?

Sezzle (SEZL) raised $42 million in an initial public offering on Thursday, August 17th 2023. The company issued 3,241,221 shares at a price of $13.00 per share.

Who are Sezzle's major shareholders?

Sezzle's top institutional investors include Divisadero Street Capital Management LP (2.67%), Marshall Wace LLP (1.90%), Geode Capital Management LLC (1.32%) and Arrowstreet Capital Limited Partnership (1.20%). Insiders that own company stock include Charles Youakim, Paul Martin Purcell, Amin Sabzivand, Paul Paradis, Karen Hartje, Justin Krause and Kyle M Brehm.
View institutional ownership trends.

How do I buy shares of Sezzle?

Shares of SEZL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Sezzle own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Sezzle investors own include NVIDIA (NVDA), Meta Platforms (META), Tesla (TSLA), Advanced Micro Devices (AMD), JPMorgan Chase & Co. (JPM), Netflix (NFLX) and Visa (V).

Company Calendar

• Last Earnings: 8/07/2025
• Today: 9/04/2025
• Next Earnings (Estimated): 11/06/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Business Services
• Industry: Financial Transaction Services
• Sub-Industry: Business Services
• Current Symbol: NASDAQ:SEZL
• CIK: 1662991
• Web: www.sezzle.com
• Phone: 651-504-5402
• Fax: N/A
• Employees: 540
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Sezzle: $124.33
• High Price Target: $202.00
• Low Price Target: $60.00
• Potential Upside/Downside: +44.1%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.92
• Trailing P/E Ratio: 29.44
• Forward P/E Ratio: 8.83
• P/E Growth: N/A
• Net Income: $78.52 million
• Net Margins: 28.13%
• Pretax Margin: 33.62%
• Return on Equity: 102.90%
• Return on Assets: 34.75%

Debt

• Debt-to-Equity Ratio: 1.00
• Current Ratio: 3.51
• Quick Ratio: 3.51

Sales & Book Value

• Annual Sales: $271.13 million
• Price / Sales: 10.83
• Cash Flow: $1.83 per share
• Price / Cash Flow: 47.05
• Book Value: $3.83 per share
• Price / Book: 22.53

Miscellaneous

• Outstanding Shares: 34,020,000
• Free Float: 17,185,000
• Market Cap: $2.94 billion
• Optionable: Not Optionable
• Beta: 9.02