Lumida
/SEZL
⌘K
Sezzle Inc

Sezzle Inc

SEZL
$174.67USD↓-3.20%-5.77 today

MARKET CAP

5.9B

P/E (TTM)

42.8x

FWD P/E

30.3x

DAY RANGE

$166 – $177

52W RANGE

$50
$196

AI Summary

Stalk
Buy NowMedium

Despite the recent blow-off top exhaustion signal and heightened Stage 2 → 3 risk, SEZL remains in an advancing regime with higher highs and lows intact. Price has pulled back into the rising 9EMA/21EMA confluence and held support, signaling a favorable entry. Short-term momentum remains positive as EMAs absorb retracement without exhaustion. Execution focuses on buying the pullback into dynamic EMA support aligned with the Momentum + EPS strategy.

  • ↑Q1 revenue $51.3M (+29.2% YoY) and GMV $1.1B (+37.3% YoY)
  • ↑Net income $51.3M yields a 37.9% profit margin
  • ↓Book-to-price ratio signals possible overvaluation; consensus target implies ~17% downside
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Sezzle, Inc. (NASDAQ: SEZL) specializes in payment solutions within the Buy Now Pay Later (BNPL) sector, targeting value-conscious consumers. The company has established a strong market presence, evolving from conventional payment options to include a comprehensive ecosystem comprising deposit accounts, lending services, and mobile applications. Sezzle aims to position itself as an all-in-one financial solution, benefiting from the ongoing shift towards flexible payment mechanisms amidst economic uncertainties.

Bull says

  • ↑Q1 revenue $51.3M (+29.2% YoY) and GMV $1.1B (+37.3% YoY)
  • ↑Net income $51.3M yields a 37.9% profit margin
  • ↑Adjusted EBITDA $71.1M with a 52.5% margin
  • ↑Ended quarter with $147.4M cash and $50M buyback program
  • ↑Marketing spend $8.8M clips CAC payback under six months
  • ↑AI integration across products may boost efficiency and engagement

Bear says

  • ↓Book-to-price ratio signals possible overvaluation; consensus target implies ~17% downside
  • ↓Short interest elevated, reflecting skepticism and pressure
  • ↓Volatility remains high, increasing share price swings
  • ↓Unresolved antitrust litigation poses regulatory uncertainty
  • ↓Pay-in-5 rollout faces adoption and execution risk
  • ↓Intense BNPL competition from Klarna, Affirm, PayPal intensifies pricing pressure

Investment themes with SEZL

FinTech Lending↓ -0.02%

Financial technology companies providing loans

SOFI · COIN · FIS

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 05-08-2026neutral

Transcript signals

Bull points

  • create more value for the consumer create more reasons to engage with Sezzle, and over time, make Sezzle a critical part of our consumers' daily lives.
  • we delivered strong growth, strong profitability, and improved engagement across the platform, and we are raising our full-year guidance as a result.
  • GMD grew 37.3% year over year. Total revenue grew 29.2%. and our gross margins reached 74% of total revenue. We also generated 51.3 million of net income representing a 37.9% profit margin and 71.1 million of adjusted EBITDA representing a 52.5% adjusted EBITDA margin.

Bear points

  • We did incur minor costs related to our corporate strategic projects during the quarter. Our antitrust suit is currently ongoing and something we cannot elaborate further on.
  • We recognize this process is long and not guaranteed, but we believe it is an important strategic opportunity to pursue.
  • estimations are almost 100% guaranteed to be incorrect one way or the other.
Read full transcript analysis ›