Pulling SEC filings + quote and writing the call…

Sezzle Inc.
Next earnings Aug 5, 2026 · consensus $1.02 EPS, $137M rev
Last earnings +1.0% on 2026-05-06
Sezzle is a hyper-profitable BNPL grower (revenue +69%, 56% net margin, 78% ROE) — but 43.9x earnings and BNPL regulatory/competition risk cap it.
Sources: SEC EDGAR (CIK 0001662991, latest 10-Q filed 2026-05-07) · EODHD · analysis by claude-code · as of 6/21/2026, 8:59:39 PM.
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Middling fundamentals and a rich price (~17% above fair value) leave little margin of safety — a wait-and-see.
Sezzle is a buy-now-pay-later (BNPL) platform that has transformed from a cash-burning startup into a remarkably profitable, fast-growing fintech. FY2025 revenue grew 69.2% to $236M, net income rose 69.5% to $133M, and operating income surged 115.0% to $177M — yielding an extraordinary 74.9% operating margin, 56.4% net margin and 78.4% return on equity. The trajectory is steep: revenue went from $12.0M (FY2022) to $236M and net income from losses to $133M. Cash generation is real, with operating cash flow of $210M (+60.7%), and the company bought back $64.7M of stock while equity nearly doubled (+93.3%).
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | $12.0M | $60.6M | $139M | $236M |
| Gross profit | — | — | — | — | — |
| Operating income | -$68.7M | -$28.4M | $22.2M | $82.2M | $177M |
| Net income | -$75.2M | -$38.1M | $7.10M | $78.5M | $133M |
| Diluted EPS | -$0.38 | -$7.00 | $1.25 | $2.19 | $3.72 |
| Net margin | — | -318.5% | 11.7% | 56.3% | 56.4% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
1046 tracked peers · median
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Last 90 days: 0 open-market buys · 15 sales
| 2026-06-20 | Sabzivand Amin Chief Operating Officer | Tax | 342.00 @ $163.28 | $55.8K |
| 2026-06-20 | Khurana Rajeev General Counsel | Award | 3.50K | |
| 2026-06-20 | Krause Justin SVP FINANCE AND CONTROLLER | Tax | 45.00 @ $163.28 | $7.35K |
| 2026-06-18 | Brading Lee Dickson Chief Financial Officer | Sell | 1.97K @ $160.31 | $316K |
| 2026-06-18 | Brading Lee Dickson Chief Financial Officer | Sell | 1.95K @ $161.00 | $314K |
| 2026-06-18 | Paradis Paul Director & President | Sell | 15.6K @ $160.26 | $2.49M |
| 2026-06-18 | Paradis Paul Director & President | Sell | 1.61K @ $161.22 | $260K |
| 2026-06-18 | Paradis Paul Director & President | Sell | 3.24K @ $162.76 | $527K |
| 2026-06-18 | Paradis Paul Director & President | Sell | 5.81K @ $163.43 | $949K |
| 2026-06-18 | Paradis Paul Director & President | Sell | 190.00 @ $164.11 | $31.2K |
| 2026-06-12 | Paradis Paul Director & President | Sell | 2.90K @ $130.33 | $378K |
| 2026-06-12 | Paradis Paul Director & President | Sell | 1.50K @ $131.54 | $197K |