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Sezzle Inc. Common Stock (SEZL)
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Upturn Advisory Summary
04/01/2025: SEZL (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 719% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.19B USD | Price to earnings Ratio 15.93 | 1Y Target Price 61.42 |
Price to earnings Ratio 15.93 | 1Y Target Price 61.42 | ||
Volume (30-day avg) 1062414 | Beta 16.1 | 52 Weeks Range 6.73 - 79.59 | Updated Date 04/1/2025 |
52 Weeks Range 6.73 - 79.59 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.96% | Operating Margin (TTM) 56.3% |
Management Effectiveness
Return on Assets (TTM) 33.59% | Return on Equity (TTM) 142.86% |
Valuation
Trailing PE 15.93 | Forward PE - | Enterprise Value 1212880682 | Price to Sales(TTM) 4.39 |
Enterprise Value 1212880682 | Price to Sales(TTM) 4.39 | ||
Enterprise Value to Revenue 4.47 | Enterprise Value to EBITDA 14.78 | Shares Outstanding 33853700 | Shares Floating 16843224 |
Shares Outstanding 33853700 | Shares Floating 16843224 | ||
Percent Insiders 57.26 | Percent Institutions 22.85 |
Analyst Ratings
Rating 5 | Target Price 366 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Sezzle Inc. Common Stock
Company Overview
History and Background
Sezzle was founded in 2016 and provides a buy now, pay later (BNPL) service, allowing consumers to split purchases into interest-free installments.
Core Business Areas
- Buy Now, Pay Later (BNPL) Service: Sezzle provides a BNPL platform that integrates with online retailers, allowing customers to make purchases and pay them off in installments.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is designed to support its fintech operations.
Top Products and Market Share
Key Offerings
- Sezzle BNPL Platform: Sezzle's main product is its BNPL platform. Market share data varies based on source, but it is a smaller player compared to Affirm, Klarna, and Afterpay (now Block). Market share is estimated to be below 5% in the US. Competitors are Affirm (AFRM), Klarna, Afterpay (SQ), PayPal (PYPL). Data on number of users and revenue specific to Sezzle is proprietary and not publicly available on current basis as the company is not public.
Market Dynamics
Industry Overview
The BNPL industry is growing rapidly, driven by increased consumer demand for flexible payment options and the growth of e-commerce. However, it faces regulatory scrutiny and increased competition.
Positioning
Sezzle is positioned as a smaller player in the BNPL market, focusing on a user-friendly platform. Its competitive advantages include partnerships and a strong focus on responsible lending.
Total Addressable Market (TAM)
The TAM for BNPL is estimated to be in the hundreds of billions of dollars globally. Sezzle is positioned to capture a portion of this market through strategic partnerships and focusing on specific niches.
Upturn SWOT Analysis
Strengths
- User-friendly platform
- Partnerships with retailers
- Focus on responsible lending
- Strong brand image
- Early mover advantage in some markets
Weaknesses
- Smaller market share compared to major players
- Limited brand recognition compared to larger competitors
- Reliance on partnerships for growth
- Vulnerability to regulatory changes
Opportunities
- Expansion into new markets
- Increased adoption of BNPL by consumers
- Partnerships with larger retailers
- Development of new financial products
- Integration with other fintech platforms
Threats
- Increased competition from larger players
- Regulatory scrutiny
- Economic downturn affecting consumer spending
- Potential for increased defaults on BNPL loans
- Changes in consumer credit behavior
Competitors and Market Share
Key Competitors
- AFRM
- SQ
- PYPL
Competitive Landscape
Sezzle faces intense competition from larger, more established BNPL providers. It must differentiate itself through superior user experience, strategic partnerships, and a focus on responsible lending to maintain and grow its market share.
Major Acquisitions
Openpay
- Year: 2023
- Acquisition Price (USD millions): 0
- Strategic Rationale: Openpay acquired Sezzle, making Sezzle a private entity.
Growth Trajectory and Initiatives
Historical Growth: Insufficient data to provide.
Future Projections: Insufficient data to provide.
Recent Initiatives: Focus on improving platform functionality and expanding partnerships.
Summary
Sezzle is a BNPL provider that competes in a highly competitive market. While it has strengths in user experience and partnerships, it faces challenges from larger, well-funded rivals and regulatory uncertainties. Successfully navigating these dynamics will be crucial for continued growth and market relevance, although it is now part of a private company.
Similar Companies
ADBE
Adobe Systems Incorporated
ADBE
Adobe Systems Incorporated
AFRM
Affirm Holdings Inc
AFRM
Affirm Holdings Inc
PYPL
PayPal Holdings Inc
PYPL
PayPal Holdings Inc
SHOP
Shopify Inc. Class A Subordinate Voting Shares
SHOP
Shopify Inc. Class A Subordinate Voting Shares
Sources and Disclaimers
Data Sources:
- Company websites
- Industry reports
- Analyst estimates
- SEC filings (where available)
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions are subject to change. Information based on publicly available sources prior to delisting from US Market as the company is no longer a US traded entity.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Sezzle Inc. Common Stock
Exchange NASDAQ | Headquaters Minneapolis, MN, United States | ||
IPO Launch date 2023-08-17 | Co-Founder, Executive Chairman & CEO Mr. Charles G. Youakim | ||
Sector Financial Services | Industry Credit Services | Full time employees 402 | Website https://www.sezzle.com |
Full time employees 402 | Website https://www.sezzle.com | ||
Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company offers payment solution in-store and at online retail stores; and through proprietary payments solution that connects consumers with merchants for instantly extends credit at the point-of-sale. It also provides Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; and Pay-in-Two and other alternative installment options, which allow consumer to pay half of the value of their order up-front and the second half in two weeks. In addition, the company offers Sezzle Virtual Card that allows consumers to access the Sezzle Platform in the form of merchants in-store and online with merchants that are not directly integrated with Sezzle; Sezzle Anywhere, a paid subscription service that allows consumers to use their Sezzle Virtual Card at any merchant online or in-store; Sezzle On-Demand, a service that allows consumers who are not subscribed to Sezzle Anywhere to use the Sezzle Platform at any merchant online or in-store; Sezzle Premium, a paid subscription service that allows its consumers to access large, non-integrated premium merchants; and Sezzle Up, an opt-in feature of the Sezzle Platform. Further, the company offers Long-Term Lending through collaboration with third-party lenders and Product Innovation. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.
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