Sezzle Inc.(SEZL)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Sezzle Inc. (SEZL) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores SEZL at 80.1/100 on a 32-signal composite quality model, placing it at rank #29 of 2,960 stocks — the top 1% of the AI-ranked universe. SEZL scores in the top quartile across balance sheet strength (99.1), revenue growth (95.6), free cash flow (95.5). Areas of concern include revenue scale (38.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 47.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Sezzle Inc. reports quarterly revenue of $149.7M, net income of $40.8M, an operating margin of 36.7%. Top institutional holders of SEZL by reported 13-F value include BlackRock, Divisadero Street Capital Management, Accredited Investors, based on the most recent SEC filings. SEZL trades on the Nasdaq exchange and files with the SEC under CIK 1662991. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SEZL daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Sezzle Inc. directly from SEC EDGAR.
AI Quality Score
80.1/100
AI Rank
#29
Revenue
$149.7M
Net Income
$40.8M
Free Cash Flow
$51.8M
Operating Margin
36.7%
SEZL key financials by period
Sezzle Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$450.3M
$133.1M
39.3%
FY 2024
10-K
$271.1M
$78.5M
30.3%
FY 2023
10-K
$159.4M
$7.1M
13.9%
FY 2022
10-K
$125.6M
$-38.1M
-22.6%
FY 2021
10-K
$114.8M
$-75.2M
-59.8%
FY 2020
10-K
$58.8M
$-32.4M
-47.5%
Institutions holding SEZL
Institutional investors reporting a position in Sezzle Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Sezzle grew Q2 revenue 52% YoY to $149.7M, driven by consumer subscription and fee expansion; net income surged 48% to $40.8M.
Biggest Revenue Drivers
Revenue from contracts with customers$84.7M+62.9% YoY
Increase generally consistent with GMV growth of 37.9%; 20.4% of revenue vs. 20.9% prior year.
Transaction expense$20.7M+45.6% YoY
Higher payment processing costs ($19.3M) due to increased transaction volume with higher GMV.
Marketing, advertising, and tradeshows$19.4M+121.1% YoY
Expansion of initiatives for consumer acquisition, retention, and engagement; testing different marketing effort levels.
Personnel$14.7M+26.1% YoY
Growth in workforce and increase in profit-sharing incentive plan expenses; includes $2.1M equity-based comp.
Watch Items from the Filing
Material weakness in internal controls: company did not design effective controls to evaluate classification of notes receivable cash flows, resulting in restatement of prior-year cash flow statements. Remediation in progress.
Shopify antitrust litigation ongoing; court granted in part Shopify's motion to dismiss (tying claims dismissed) but denied motion on monopolization and restraint-of-trade claims. Outcome uncertain.
Heavy reliance on line of credit ($123.5M outstanding of $300M facility); pledged receivables of $271.9M backing the credit. New 2026 agreement carries SOFR+3.86% with 2% floor.
Obligation to purchase $71.3M in loans from originating partner as of June 30, 2026, up from $27.3M at year-end 2025, tying company capital to partner originations.
High marketing spend nearly doubled YoY (+121%), indicating aggressive but unproven consumer acquisition strategy; company notes benefits expected in future periods.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
