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SEZL · Sezzle Inc.

Track SEZL — free
Market Cap
$4.21B
Shares
33.68M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$124.12 Open$128.34 Day$123.82–131.90 52W close$50.97–188.55 Avg vol 30d698K Short int4.2M · 12.4% float · 3.6d Short vol67% Last earningsAug 6, 2026 DataMar 2025–Aug 2026 Filing10-Q · Aug 7

Raw chart and full-history price indicators begin at the captured split on Mar 31, 2025; bars on opposite sides are not compared.

Up next

Next earnings call
Nov 13, 2026 Est · unconfirmed · in 11 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Aug 7, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Neutral
      SellHoldBuy
      Technical Neutral Momentum Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Very High
      Market backdrop VIX 14.4 · calm Equity put/call 0.62
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +29%
      above
      Price vs 50-day avg −19%
      below
      RSI (14) 42
      neutral
      MACD trend Positive
      52-week position 53%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Strong
      1-month return −20%
      trailing
      6-month return +71%
      trailing
      YTD return +96%
      this year
      Relative strength +58%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $154 › 200d $97 — 50d above 200d
      Institutional flow Accumulating
      +46% holders QoQ · +133 funds added
      Insider flow Distributing
      Net -$111.0K over 90 days · 50% sells
      Short interest Rising
      12.38% of float · ▲ +4.0% MoM · 3.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      328 holders — near 3-yr high, broad support
      Squeeze score 65
      elevated · 0–100
      Fundamentals
      Excellent
      Revenue growth +66%
      Y/Y
      EPS growth +70%
      Y/Y
      Free cash flow $209.3M
      Valuation P/E 27.3
      rich
      Buyback $72.0M
      remaining
      Quant / Vol
      risk profile
      Very High
      Volatility 87%
      annualized · 1-yr
      Max drawdown −47%
      past year
      ATR 7.6%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Beat or met 1 of last 2
      Latest guidance · from the 8-K filed Aug 6, 2026
      Total Revenue Growth · FY2026 Raised 35%
      May 6, 2026 30% – 35% changed to Aug 6, 2026 35%
      Adjusted Net Income per Diluted Share · FY2026 Non-GAAP Initiated $5.25
      Adjusted Net Income · FY2026 Non-GAAP Raised $185M
      May 6, 2026 $180M changed to Aug 6, 2026 $185M
      Prior guidance period ended · from the 8-K filed Nov 5, 2025
      Total Revenue Less Transaction Related Costs as % of Total Reven · FY2025 60% – 65%
      Effective Income Tax Rate · FY2025 25%
      Guided vs delivered · last 2 settled
      Net Income and Adjusted Net Income per Diluted Share FY2025
      guided $3.25
      $3.72 Beat +14.5%
      Net Income per Diluted Share FY2024
      guided $12.05
      $2.19 Miss −81.8%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 4 · 2
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +29% Bullish
      Price vs 50-day avg
      −19% Bearish
      RSI (14)
      42 Neutral
      MACD trend
      Positive Bullish
      52-week position
      53% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $154 › 200d $97 — 50d above 200d
      Institutional flow Accumulating
      +46% holders QoQ · +133 funds added
      Insider flow Distributing
      Net -$111.0K over 90 days · 50% sells
      Short interest Rising
      12.38% of float · ▲ +4.0% MoM · 3.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      328 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $51 Now $124 · 53% Range high $189
      vs 200-day avg +29% vs 50-day avg -19%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      GAAP → non-GAAP reconciliation
      GAAP Net income 40.77M
      +502K Depreciation and amortization
      +10.95M Income tax expense
      +2.11M Equity and incentive-based compensation
      -1K Other (income) expense, net
      +443K Corporate strategic projects
      +3.25M Net interest expense
      = Adjusted EBITDA 58.02M
      Adjusted Net Income non-GAAP $39.3M 2Q26
      GAAP → non-GAAP reconciliation
      GAAP Net income 40.77M
      -1.93M Discrete tax benefit
      +443K Corporate strategic projects
      -1K Other (income) expense, net
      = Adjusted net income 39.28M
      Adjusted net income per diluted share non-GAAP $1.13 three months ended June 30, 2026
      Adjusted Net Income Margin non-GAAP 28.5% FY2025
      Monthly On-Demand & Subscribers (MODS) 918,000 Q4 2025
      Non-Transaction Related Operating Expenses as % of Total Revenue non-GAAP 26.3% FY2025
      Total Revenue Less Transaction Related Costs as % of GMV non-GAAP 7.2% Q4 FY2025
      Total Revenue Less Transaction Related Costs as % of Total Revenue non-GAAP 62.4% FY2025
      Transaction Related Costs as % of GMV non-GAAP 4.3% FY2025
      Transaction Related Costs as % of Total Revenue non-GAAP 37.6% FY2025

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Credit Services — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      SEZL
      Sezzle Inc.
      this stock
      $4.21B +95.5% +66.1% 27.3 12.4%
      V
      Visa Inc.
      $680.94B +8.8% -4.9% 1.2%
      MA
      Mastercard Inc
      $518.36B +4.3% +16.4% 32.6 0.8%
      AXP
      American Express Co
      $225.01B -9.9% +13.4% 20.2 1.6%
      COF
      Capital One Financial Corp
      $134.21B -11.0% +36.6% 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      328
      % held
      54.8%
      Net QoQ
      +3.3M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      250
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      4.2M
      Days to cover
      3.6d
      Change
      +159.6K sh
      View
      Short Volume
      Short vol %
      67%
      As of
      Aug 28, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      102
      Value
      $15.7K
      As of
      Jul 27, 2026
      View
      Off-Exchange
      Off-exchange %
      44.5%
      Week of
      Jul 20, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$111.0K
      Buyers / Sellers
      1 / 1
      Buyers Sellers
      View
      Financials
      Financials
      Revenue (FY)
      $450.3M
      Net income (FY)
      $133.1M
      EPS diluted
      $3.72
      View
      Buybacks
      Authorized
      $100.0M
      Remaining
      $72.0M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Aug 28, 2026
      This year
      19
      View
      Proposed Sales
      Value
      $118.2K
      Shares
      1.0K
      Filed
      Aug 25, 2026
      View
      Exempt Offerings
      Offering
      $30.0M
      Filed
      Aug 2, 2021
      View
      Earnings & Events
      Earnings Calls Upcoming
      Next call
      Sep 15, 2026
      Last call
      Aug 13, 2026
      View
      Investor Relations
      Upcoming events
      3
      View

      Performance

      Raw-price comparisons begin at the captured split on Mar 31, 2025; windows that need an earlier baseline remain unavailable.

      5D 20D 120D MTD YTD
      SEZL +4.2% -19.8% +71.3% -19.8% +95.5%
      SPY +0.5% +3.0% +13.4% +3.0% +12.8%
      vs SPY +3.7% -22.8% +57.9% -22.8% +82.7%

      Capital returns

      Buyback program · as of Jun 30, 2026
      Authorized
      $100.00M
      Spent (derived)
      $28.00M
      Remaining
      $72.00M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1662991 CUSIP 78435P105 13F (30d) 244 filings 244 filers Visit website Investor relations