Sezzle: Leading Fintech Transformation with BNPL Services
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1 hour ago
0mins
Should l Buy SEZL?
Source: Fool
- Market Share Growth: Sezzle has rapidly transformed from a penny stock to a $2.2 billion fintech company by allowing consumers to split everyday purchases into four payments, and while its stock is down 65% from all-time highs, rising revenues and profits indicate long-term potential remains strong.
- Diverse Revenue Streams: Sezzle primarily profits from high merchant fees, but also generates revenue from consumer fees and subscription services, where customers can avoid fees by making timely payments, thus attracting more users to its platform.
- Industry Growth Potential: According to Grand View Research, the BNPL industry is projected to achieve a 27% compound annual growth rate through 2033, with Sezzle reporting a 32.2% year-over-year revenue growth in Q4, although its 66.1% growth for full-year 2025 indicates some deceleration, still outperforming the industry average.
- Market Expansion Plans: Sezzle is preparing to apply for a bank charter to offer additional financial products and reduce reliance on partner banks, while also launching Sezzle Mobile wireless service aimed at delivering tangible savings on everyday bills, which will further enhance customer lifetime value.
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Analyst Views on SEZL
Wall Street analysts forecast SEZL stock price to rise
3 Analyst Rating
2 Buy
1 Hold
0 Sell
Moderate Buy
Current: 63.700
Low
83.00
Averages
101.00
High
110.00
Current: 63.700
Low
83.00
Averages
101.00
High
110.00
About SEZL
Sezzle Inc. is a fintech company. The Company’s payment platform increases the purchasing power of consumers by offering access to point-of-sale financing options and digital payment services connecting millions of customers with its global network of merchants. Its payment options allow consumers to take control over their spending. Its digital payments platform provides consumers a flexible alternative to traditional credit. Its Sezzle Platform offers a payments solution for consumers that instantly 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. The Sezzle Platform flagship product, pay-in-four, 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. Its Sezzle Virtual Card provides rapid-installation and point-of-sale option for brick-and-mortar retailers.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Sezzle Inc.: Significant Growth Potential Identified
- Earnings Growth Potential: Sezzle Inc. boasts a historical EPS growth rate of 440.4%, with projected EPS growth of 30.7% this year, significantly surpassing the industry average of 12.6%, indicating strong future profitability and potential stock price appreciation.
- Cash Flow Growth Advantage: Currently, Sezzle Inc. has a year-over-year cash flow growth rate of 92.6%, well above the industry average of 2.6%, enabling the company to expand without relying on costly external funding, thereby enhancing its market competitiveness.
- Earnings Estimate Revisions: The current-year earnings estimates for Sezzle Inc. have been revised upward by 0.2% over the past month, reflecting increased market confidence in its future performance and further solidifying its Zacks Rank #1 status, attracting more investor attention.
- Broad Target Audience: Sezzle Inc. targets millennial and Gen Z demographics, generating nearly $1 billion in revenue last quarter, and the recent stock pullback presents an ideal opportunity for investors, likely drawing increased attention and capital inflow.
See More
Sezzle's Financial Growth and Market Outlook
- Significant Revenue Growth: Sezzle achieved a remarkable 66.1% revenue growth in fiscal 2025, and while it anticipates a slowdown to 25% to 30% in 2026, this still underscores its leadership position in the rapidly growing BNPL sector, reflecting strong market demand and customer base.
- Expansive Market Opportunities: The BNPL industry is projected to grow at a 27% compound annual growth rate through 2033, and Sezzle is effectively expanding its market share by leveraging its innovative payment model and high merchant fees, helping consumers navigate high living costs.
- Diversification Strategy: Sezzle plans to apply for a bank charter, aiming to offer additional financial products and reduce reliance on partner banks, a move that could enhance profit margins and increase customer lifetime value.
- New Business Expansion: The upcoming launch of Sezzle Mobile, priced at $29.99 per month, aims to deliver tangible savings on everyday bills, further solidifying its market position in the fintech space.
See More
Sezzle: Leading Fintech Transformation with BNPL Services
- Market Share Growth: Sezzle has rapidly transformed from a penny stock to a $2.2 billion fintech company by allowing consumers to split everyday purchases into four payments, and while its stock is down 65% from all-time highs, rising revenues and profits indicate long-term potential remains strong.
- Diverse Revenue Streams: Sezzle primarily profits from high merchant fees, but also generates revenue from consumer fees and subscription services, where customers can avoid fees by making timely payments, thus attracting more users to its platform.
- Industry Growth Potential: According to Grand View Research, the BNPL industry is projected to achieve a 27% compound annual growth rate through 2033, with Sezzle reporting a 32.2% year-over-year revenue growth in Q4, although its 66.1% growth for full-year 2025 indicates some deceleration, still outperforming the industry average.
- Market Expansion Plans: Sezzle is preparing to apply for a bank charter to offer additional financial products and reduce reliance on partner banks, while also launching Sezzle Mobile wireless service aimed at delivering tangible savings on everyday bills, which will further enhance customer lifetime value.
See More
Sezzle: The Rise of BNPL Services
- Market Share Growth: Sezzle has rapidly transformed from a penny stock into a multibillion-dollar fintech company by offering buy now, pay later services, and despite a 65% decline from its all-time highs, its rising revenue and profits indicate potential for long-term gains at current levels.
- Diverse Revenue Streams: Sezzle primarily profits from high merchant fees while also generating income from consumer fees and subscription services, allowing customers to avoid fees if they make timely payments, which attracts more users and boosts merchant sales.
- Industry Growth Outlook: The BNPL industry is projected to achieve a 27% compound annual growth rate through 2033 according to Grand View Research, with Sezzle reporting a 32.2% year-over-year revenue growth in Q4, indicating its leadership position, although its 66.1% revenue growth in full-year 2025 suggests some deceleration.
- Market Expansion Plans: Sezzle is preparing to apply for a bank charter to offer additional financial products and reduce reliance on partner banks, while also launching competitively priced wireless services on the AT&T network, aimed at delivering tangible savings on everyday expenses, which will further enhance customer lifetime value.
See More
Analysis of High-Potential Stocks in Russell 2000
- Limbach Growth Potential: Limbach (NASDAQ: LMB) achieved an impressive 11.9% annual revenue growth over the past two years, indicating significant market share gains, while its earnings per share grew by 46.5% annually, surpassing revenue growth and reflecting enhanced profitability.
- Sezzle Market Performance: Sezzle (NASDAQ: SEZL) reported a remarkable 68.1% annual revenue growth over the last two years, showcasing its expanding market share among younger consumers, with a staggering 323% annual earnings per share growth that far exceeded revenue increases, highlighting its strong profitability.
- Enova Financial Health: Enova International (NYSE: ENVA) experienced a 23.8% annual revenue growth over the past five years, and its stock buybacks propelled a 38% annual earnings per share growth, demonstrating robust profitability, while a 16.1% annual book value growth strengthened its balance sheet.
- Investment Timing Analysis: Limbach, Sezzle, and Enova are currently trading at forward P/E ratios of 17.8x, 13.6x, and 8.7x respectively, indicating reasonable valuations in their respective sectors, potentially offering investors a favorable entry point.
See More
Market Rebound: Zacks Recommends Three Stocks
- Strong Performance of Dave Inc.: As one of the fastest-growing fintech firms in the U.S., Dave Inc.'s stock has soared over 400% in the past two years, currently trading at an 11X forward earnings multiple, with EPS expected to grow by 10% in FY26 and another 24% in FY27, indicating robust growth potential.
- GigaCloud's Technological Breakthrough: GigaCloud, which went public in 2022, has seen its stock rise 17% year-to-date, with Q4 EPS of $1.04 surpassing expectations of $0.65, and projected EPS growth of 17% and 16% for FY26 and FY27, respectively, alongside annual sales exceeding $1 billion, showcasing strong market performance.
- Sezzle's Growth Potential: As a digital payments platform, Sezzle's stock has also increased over 400% in the past two years, currently trading at a 13X forward earnings multiple, with EPS expected to spike by 30% this year and another 23% in FY27, highlighting its strong growth prospects in the digital payments sector.
- Significant Investment Opportunities: The three stocks recommended by Zacks experts are all seen as having the potential to achieve over 100% growth in the coming year, providing excellent investment opportunities, especially in the context of the current market rebound.
See More
Sezzle Inc.: Significant Growth Potential Identified
- Earnings Growth Potential: Sezzle Inc. boasts a historical EPS growth rate of 440.4%, with projected EPS growth of 30.7% this year, significantly surpassing the industry average of 12.6%, indicating strong future profitability and potential stock price appreciation.
- Cash Flow Growth Advantage: Currently, Sezzle Inc. has a year-over-year cash flow growth rate of 92.6%, well above the industry average of 2.6%, enabling the company to expand without relying on costly external funding, thereby enhancing its market competitiveness.
- Earnings Estimate Revisions: The current-year earnings estimates for Sezzle Inc. have been revised upward by 0.2% over the past month, reflecting increased market confidence in its future performance and further solidifying its Zacks Rank #1 status, attracting more investor attention.
- Broad Target Audience: Sezzle Inc. targets millennial and Gen Z demographics, generating nearly $1 billion in revenue last quarter, and the recent stock pullback presents an ideal opportunity for investors, likely drawing increased attention and capital inflow.
See More
Sezzle's Financial Growth and Market Outlook
- Significant Revenue Growth: Sezzle achieved a remarkable 66.1% revenue growth in fiscal 2025, and while it anticipates a slowdown to 25% to 30% in 2026, this still underscores its leadership position in the rapidly growing BNPL sector, reflecting strong market demand and customer base.
- Expansive Market Opportunities: The BNPL industry is projected to grow at a 27% compound annual growth rate through 2033, and Sezzle is effectively expanding its market share by leveraging its innovative payment model and high merchant fees, helping consumers navigate high living costs.
- Diversification Strategy: Sezzle plans to apply for a bank charter, aiming to offer additional financial products and reduce reliance on partner banks, a move that could enhance profit margins and increase customer lifetime value.
- New Business Expansion: The upcoming launch of Sezzle Mobile, priced at $29.99 per month, aims to deliver tangible savings on everyday bills, further solidifying its market position in the fintech space.
See More
Sezzle: Leading Fintech Transformation with BNPL Services
- Market Share Growth: Sezzle has rapidly transformed from a penny stock to a $2.2 billion fintech company by allowing consumers to split everyday purchases into four payments, and while its stock is down 65% from all-time highs, rising revenues and profits indicate long-term potential remains strong.
- Diverse Revenue Streams: Sezzle primarily profits from high merchant fees, but also generates revenue from consumer fees and subscription services, where customers can avoid fees by making timely payments, thus attracting more users to its platform.
- Industry Growth Potential: According to Grand View Research, the BNPL industry is projected to achieve a 27% compound annual growth rate through 2033, with Sezzle reporting a 32.2% year-over-year revenue growth in Q4, although its 66.1% growth for full-year 2025 indicates some deceleration, still outperforming the industry average.
- Market Expansion Plans: Sezzle is preparing to apply for a bank charter to offer additional financial products and reduce reliance on partner banks, while also launching Sezzle Mobile wireless service aimed at delivering tangible savings on everyday bills, which will further enhance customer lifetime value.
See More
Sezzle: The Rise of BNPL Services
- Market Share Growth: Sezzle has rapidly transformed from a penny stock into a multibillion-dollar fintech company by offering buy now, pay later services, and despite a 65% decline from its all-time highs, its rising revenue and profits indicate potential for long-term gains at current levels.
- Diverse Revenue Streams: Sezzle primarily profits from high merchant fees while also generating income from consumer fees and subscription services, allowing customers to avoid fees if they make timely payments, which attracts more users and boosts merchant sales.
- Industry Growth Outlook: The BNPL industry is projected to achieve a 27% compound annual growth rate through 2033 according to Grand View Research, with Sezzle reporting a 32.2% year-over-year revenue growth in Q4, indicating its leadership position, although its 66.1% revenue growth in full-year 2025 suggests some deceleration.
- Market Expansion Plans: Sezzle is preparing to apply for a bank charter to offer additional financial products and reduce reliance on partner banks, while also launching competitively priced wireless services on the AT&T network, aimed at delivering tangible savings on everyday expenses, which will further enhance customer lifetime value.
See More
Analysis of High-Potential Stocks in Russell 2000
- Limbach Growth Potential: Limbach (NASDAQ: LMB) achieved an impressive 11.9% annual revenue growth over the past two years, indicating significant market share gains, while its earnings per share grew by 46.5% annually, surpassing revenue growth and reflecting enhanced profitability.
- Sezzle Market Performance: Sezzle (NASDAQ: SEZL) reported a remarkable 68.1% annual revenue growth over the last two years, showcasing its expanding market share among younger consumers, with a staggering 323% annual earnings per share growth that far exceeded revenue increases, highlighting its strong profitability.
- Enova Financial Health: Enova International (NYSE: ENVA) experienced a 23.8% annual revenue growth over the past five years, and its stock buybacks propelled a 38% annual earnings per share growth, demonstrating robust profitability, while a 16.1% annual book value growth strengthened its balance sheet.
- Investment Timing Analysis: Limbach, Sezzle, and Enova are currently trading at forward P/E ratios of 17.8x, 13.6x, and 8.7x respectively, indicating reasonable valuations in their respective sectors, potentially offering investors a favorable entry point.
See More
Market Rebound: Zacks Recommends Three Stocks
- Strong Performance of Dave Inc.: As one of the fastest-growing fintech firms in the U.S., Dave Inc.'s stock has soared over 400% in the past two years, currently trading at an 11X forward earnings multiple, with EPS expected to grow by 10% in FY26 and another 24% in FY27, indicating robust growth potential.
- GigaCloud's Technological Breakthrough: GigaCloud, which went public in 2022, has seen its stock rise 17% year-to-date, with Q4 EPS of $1.04 surpassing expectations of $0.65, and projected EPS growth of 17% and 16% for FY26 and FY27, respectively, alongside annual sales exceeding $1 billion, showcasing strong market performance.
- Sezzle's Growth Potential: As a digital payments platform, Sezzle's stock has also increased over 400% in the past two years, currently trading at a 13X forward earnings multiple, with EPS expected to spike by 30% this year and another 23% in FY27, highlighting its strong growth prospects in the digital payments sector.
- Significant Investment Opportunities: The three stocks recommended by Zacks experts are all seen as having the potential to achieve over 100% growth in the coming year, providing excellent investment opportunities, especially in the context of the current market rebound.
See More
