Sezzle Inc.

NasdaqCM:SEZL Stock Report

Market Cap: US$5.5b

Sezzle Future Growth

Future criteria checks 5/6

Sezzle is forecast to grow earnings and revenue by 25.3% and 25% per annum respectively while EPS is expected to grow by 23.6% per annum.

Key information

25.3%

Earnings growth rate

23.55%

EPS growth rate

Diversified Financial earnings growth8.2%
Revenue growth rate25.0%
Future return on equityn/a
Analyst coverage

Good

Last updated18 Jun 2026

Recent future growth updates

Recent updates

Narrative Update • Jun 15

SEZL: Rising Guidance And Payment Integrations Will Test Current Optimism

Analysts have raised the average price target on Sezzle to $141 from $117, indicating that they expect new payment integrations and user engagement features could support slightly higher revenue growth and profit margins than previously modeled. Analyst Commentary Bullish reports have highlighted Sezzle's integration with Knot's CardSwitcher API, which is designed to make Sezzle virtual cards easier to keep at the top of users' digital wallets across large merchants like Amazon, Walmart, and Uber.
Narrative Update • Jun 01

SEZL: Earnings Guidance And AI Partnership Will Shape Balanced Risk Reward Outlook

Analysts have raised their fair value estimate for Sezzle to $108.00 from $82.00, citing updated views on revenue growth, profit margins, and future P/E, which are reflected in a series of recent price target increases across the Street. Analyst Commentary Recent Street research around Sezzle has centered on shifts in price targets, with several firms revisiting their assumptions on revenue growth, profitability, and future P/E.
Seeking Alpha • May 16

Sezzle And Pagaya Partner Up To Expand BNPL Operations

Summary Sezzle stands out as a compelling BNPL investment among recent IPOs in the sector. Modern BNPL players like AFRM and Afterpay have solved legacy financing challenges, fueling sector growth. SEZL's positioning leverages advancements in BNPL infrastructure and addresses retailer pain points. SEZL's recent partnership with PGY adds even more product offerings and opportunities to the company's portfolio. Read the full article on Seeking Alpha
Narrative Update • May 16

SEZL: Credit Discipline And Partnerships Will Support Future Earnings Upside

Sezzle's analyst fair value estimate has moved up from $97.00 to about $114.67 as analysts factor in updated price targets and supporting views on revenue growth, profitability, and forward P/E assumptions. Analyst Commentary Recent Street research on Sezzle reflects both optimism and caution, which feeds directly into the higher fair value estimate and the range of price targets being published.
Narrative Update • Apr 29

SEZL: Strong Execution And Credit Discipline Will Support Future Subscription Tailwind Reset

The analyst price target for Sezzle has been revised slightly lower to $99, with analysts citing strong recent results and what they view as an inexpensive valuation, while also flagging a more challenging growth setup in 2026 as earlier subscription and partnership tailwinds moderate. Analyst Commentary Bullish analysts are highlighting Sezzle as an inexpensive way to gain exposure to the buy now, pay later space, especially after the recent reset in expectations around 2026 growth.
Narrative Update • Apr 14

SEZL: Strong Execution And Credit Discipline Will Support Durable Future Upside

Analysts kept the Sezzle fair value estimate at $110.00, with only small tweaks to growth, margin, and P/E assumptions. They weighed a mix of recent Street views, including one firm calling the valuation inexpensive and others trimming price targets on expectations for a tougher growth backdrop after earlier product and partnership gains.
Narrative Update • Mar 31

SEZL: Strong Execution And Credit Discipline Will Support Future Upside

Sezzle's fair value estimate has been trimmed by $2.60 to $97.00 as analysts factor in slightly lower revenue growth assumptions, a modestly higher discount rate, and sector wide price target resets for specialty finance, even as profit margin expectations and long term P/E assumptions remain supportive. Analyst Commentary Recent Street research on Sezzle highlights a mix of optimism about execution and earnings power, alongside caution about sector pressures and a tougher growth backdrop over the next couple of years.
Narrative Update • Mar 17

SEZL: Strong Q4 Execution And Credit Discipline Will Support Future Upside

Analysts have nudged their Sezzle price target higher to $99, citing the recent Q4 beat with revenue up 32% year over year, adjusted EPS of $1.21, better credit loss provisioning, and solid underlying merchant sales growth. They are also factoring in a more mixed sector outlook and moderating benefits from past subscription and partnership initiatives.
Narrative Update • Mar 03

SEZL: Index Inclusion And Buybacks Will Support Future Earnings Upside

Our updated Sezzle narrative reflects a small trim in our fair value estimate, from $111.00 to $110.00, as analysts balance strong recent execution, including Q4 revenue growth of 32% and adjusted EPS of $1.21, against expectations for more moderate contributions from past growth initiatives and sector wide target resets in specialty finance. Analyst Commentary Recent Street research around Sezzle reflects a mix of optimism on execution and caution around the next leg of growth.
Narrative Update • Feb 21

Sezzle's Profits to Soar with 27% Margin Boost

Bearish Investment Thesis on Sezzle Inc. (SEZL): Navigating the Perils of a Maturing BNPL Landscape Abstract Sezzle Inc.
New Narrative • Feb 19

Sezzle's Profits to Soar with 27% Margin Boost

This overview balances recent growth performance, risks, valuation, and tactical signals (based on the most recent public filings and analyst research available): Bullish Investment Thesis (Why Buy / Hold) 1) Very Strong Growth & Profitability Execution Sezzle has delivered rapid revenue growth (>60–70% YoY) across 2024–2025 and record profitability, a rare achievement among BNPL peers. ( StockAnalysis ) Gross Merchandise Volume (GMV) crossed $1 B quarterly , while net income margins remain healthy (~22–30%).
Narrative Update • Feb 17

SEZL: Index Additions And Ongoing Buybacks Will Support Future Upside

Analysts have trimmed their Sezzle price target slightly, cutting the fair value estimate from $103.25 to $99.60 as they factor in updated sector views and modest tweaks to growth, discount rate, profit margin, and future P/E assumptions in line with recent specialty finance research. Analyst Commentary Recent Street updates on Sezzle have centered on modest price target trims and refreshed sector assumptions, rather than any major change in the fundamental story.
Narrative Update • Feb 03

SEZL: Specialty Finance Reset Will Highlight Earnings Guidance And Index Inclusions

Sezzle's analyst fair value estimate has shifted from $111.00 to $82.00 as analysts incorporate updated views on specialty finance trends and broader macro factors affecting areas such as credit cards, auto lending, student lending, non prime lending, buy now pay later, and lease to own. Analyst Commentary Recent research reflects a slightly more cautious stance on Sezzle, with the latest published fair value and price target references converging around $82.
Narrative Update • Jan 20

SEZL: Share Repurchases And Index Inclusion Will Support Future Upside

Analysts reduced their fair value estimate for Sezzle from $108.50 to $103.25 and noted sector-wide adjustments to specialty finance price targets, reflecting updated views on macro conditions and on segments such as buy now, pay later and other non-prime lending categories. Analyst Commentary Recent research updates on Sezzle focus on recalibrating price targets within specialty finance, with analysts aligning Sezzle’s valuation with their broader sector outlook across buy now, pay later, non prime lending, and other credit categories.
Narrative Update • Jan 06

SEZL: Index Inclusion And Buybacks Will Support Future Upside Potential

Analysts now place Sezzle's fair value at $111.00, reduced from $150.00. This update reflects revised assumptions for revenue growth, profit margins, the discount rate, and a lower future P/E multiple.
Narrative Update • Dec 21

SEZL: Share Repurchases And Index Additions Will Drive Future Upside

Analysts have modestly raised their price target on Sezzle by about $0.00, reflecting slightly higher assumed discount rates and a marginally richer future P/E multiple while maintaining their prior fair value estimate of approximately $108.50. What's in the News The Board of Directors has authorized a new share repurchase plan, allowing Sezzle to buy back up to $100 million of common stock with no fixed expiration date (Key Developments).
Narrative Update • Dec 07

SEZL: Focused Consumer Niche Will Support Future Upside From Current Levels

Analysts have modestly reduced their price target on Sezzle, trimming it by approximately $26.50 to about $82.00 per share. They are weighing the company’s strong execution and rapid growth against a more narrowly focused business model and a relatively tight valuation range versus peers.
Narrative Update • Nov 23

SEZL: Sustained Focus On Core Segment Will Support Further Expansion

Analysts have left their price target for Sezzle unchanged at $108.50, citing the company's focused approach and consistent growth. However, they note that the competitive landscape keeps valuations in a narrow range.
Narrative Update • Nov 09

SEZL: Sustained Execution In Underserved Markets Will Drive Long-Term Expansion

Analysts have revised Sezzle’s fair value estimate downward from $119.25 to $108.50. They cite slightly slower revenue growth projections and ongoing competition among buy now, pay later providers as the main reasons for this change.
Analysis Article • Nov 04

Sezzle Inc.'s (NASDAQ:SEZL) Stock Retreats 25% But Earnings Haven't Escaped The Attention Of Investors

Unfortunately for some shareholders, the Sezzle Inc. ( NASDAQ:SEZL ) share price has dived 25% in the last thirty days...
Narrative Update • Sep 12

Digital Payments Expansion Will Unlock New Market Opportunities

The downward revision to Sezzle’s price target primarily reflects analysts’ reduced revenue growth expectations, with consensus forecasts trimmed from 33.5% to 30.1% annually, resulting in a lower fair value estimate of $119.25. What's in the News Sezzle completed a buyback of 678,529 shares (2% of outstanding) for $23.76 million.
Narrative Update • Aug 08

Digital Payments Expansion Will Unlock New Market Opportunities

Sezzle’s fair value estimate declined from $161.00 to $128.33, primarily driven by the collapse in its future P/E ratio, while net profit margin remained stable. What's in the News Sezzle has launched new features to address rising consumer financial pressures, including budgeting tools, price comparison, and auto-couponing, enhancing savings and user engagement.
Seeking Alpha • Apr 23

Sezzle: Profit Focus Might Not Be The Best For Long-Term Returns

Summary Sezzle's high efficiency in generating gross profit and net income is impressive, but may affect long-term returns due to increased competition and focus on short-term gains. Sezzle's strategy targets SMBs and younger customers with financial constraints, offering short-term BNPL services that avoid credit card interest costs, making it appealing for low-ticket purchases. Despite Sezzle's lighter balance sheet and innovative subscription services, increased competition and economic downturns pose significant risks, leading to a "hold" rating. Read the full article on Seeking Alpha
Seeking Alpha • Nov 25

Sezzle Inc. Stock: The Massive Rally Will Face Tests Into 2025

Summary Shares of Sezzle have been one of the market's best performing stocks this year. The company is capturing strong growth from its buy-now-pay-later service subscription offering. Strong fundamentals support a positive outlook, but the stock could see renewed volatility into 2025 against a high bar of expectations. Read the full article on Seeking Alpha

Earnings and Revenue Growth Forecasts

NasdaqCM:SEZL - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/20277472304493316
12/31/20265961793592686
3/31/2026481148243246N/A
12/31/2025450133207210N/A
9/30/2025419116137140N/A
6/30/2025372105111113N/A
3/31/2025329107143145N/A
12/31/202427179129131N/A
9/30/2024222562425N/A
6/30/20241934256N/A
3/31/2024172131617N/A
12/31/20231597-27-26N/A
9/30/20231495-10-9N/A
6/30/2023138845N/A
3/31/2023133-8-4-3N/A
12/31/2022126-3889N/A
9/30/2022120-65-35-34N/A
6/30/2022118-88-62-60N/A
3/31/2022116-92-60-59N/A
12/31/2021115-75-74-72N/A
9/30/2021104-65-55-54N/A
6/30/202191-55-34-33N/A
3/31/202177-39-29-28N/A
12/31/202059-32-26-25N/A
9/30/202042-21-9-9N/A
6/30/202032-16-11-11N/A
3/31/202022-15-19-18N/A
12/31/201916-13N/A-20N/A
9/30/201911-11N/A-16N/A
6/30/20196-8N/A-12N/A
3/31/20194-6N/A-9N/A
12/31/20182-5N/A-6N/A
12/31/20170-2N/A-1N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: SEZL's forecast earnings growth (25.3% per year) is above the savings rate (3.5%).

Earnings vs Market: SEZL's earnings (25.3% per year) are forecast to grow faster than the US market (18.9% per year).

High Growth Earnings: SEZL's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: SEZL's revenue (25% per year) is forecast to grow faster than the US market (13% per year).

High Growth Revenue: SEZL's revenue (25% per year) is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if SEZL's Return on Equity is forecast to be high in 3 years time

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/20 23:16
End of Day Share Price 2026/06/18 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Sezzle Inc. is covered by 11 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Harold GoetschB. Riley Securities, Inc.
John MarrinCLSA
Edmund Anthony HenningCLSA