What is the 13F Pro Quality Score for SEZL?

13F Pro ranks Sezzle Inc. (SEZL) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View SEZL's current score at https://13fpro.ai/company/SEZL (free sign-up required for the full ranking).

Where does 13F Pro source SEZL data?

All Sezzle Inc. fundamentals and ownership data come directly from SEC EDGAR. Sezzle Inc. files with the SEC under CIK 1662991. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is SEZL in?

Sezzle Inc. (SEZL) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives SEZL's revenue?

Per Sezzle Inc.'s latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Revenue from contracts with customers ($84.7M, +62.9% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/SEZL.

What are SEZL's largest expenses?

Sezzle Inc.'s latest 10-Q reports these as the largest expense items: Provision for credit losses ($30.6M, +48.3% YoY); Transaction expense ($20.7M, +45.6% YoY); Marketing, advertising, and tradeshows ($19.4M, +121.1% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is SEZL research updated on 13F Pro?

SEZL's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Sezzle Inc.(SEZL)Stock Analysis

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SEC EDGAR: CIK 1662991 SEZL stock profile & AI dashboard →

13F Pro Quality Score

80.1/100

Rank #29 of 2,961 stocksTOP 1%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

95.6/100

Profitability

90.7/100

Balance Sheet

99.1/100

Earnings Quality

72.5/100

Free Cash Flow

95.5/100

Institutional Flow

90.7/100

Revenue Scale

38.2/100

Dilution Risk

47.3/100

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Why SEZL Scores 80/100

exact factor attribution · 2026-09-11

SEZL's composite is driven by revenue growth and profitability, held back by scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+12.2 pts

96th pct

Profitability

+8.1 pts

91th pct

Free cash flow

+6.8 pts

96th pct

Capital efficiency

+6.5 pts

99th pct

Earnings growth

+3.1 pts

96th pct

Institutional flow

+2.7 pts

91th pct

Earnings quality

+2.3 pts

73th pct

Shareholder dilution

-0.2 pts

47th pct

Scale

-2.4 pts

38th pct

Latest change (2026-08-09): 81 → 72 · ↓ Free cash flow 94→40; ↓ Earnings growth 97→84

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

Unusual Activity in SEZL

Events flagged as statistical outliers against SEZL's own multi-year baseline — not fixed dollar thresholds.

Score shock2026-08-09
SEZL quality score dropped 9 points (81→72) on a new filing
View source filing →

SEZL Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Sezzle Inc. (SEZL), 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 2,961 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. Sezzle Inc.'s 13F Pro composite quality score has ranged between 51 and 80 since 2024, currently 80.1 — an improving long-term trajectory across 55 quarterly and live scoring snapshots.

✦

Fun facts about Sezzle Inc.

Quirks, history, and lore behind SEZL — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. fintech company · listed on Nasdaq · headquartered in Minneapolis, Minnesota · operates in the consumer lending space.
2
The Numbers
A small-cap with revenue in the tens of millions annually — not a titan, but growing fast in a crowded field where the big dogs are Affirm and Klarna.
3
The History
Founded in 2016, it went public on Nasdaq and spent years as a micro-cap before a surge in buy now, pay later enthusiasm sent investors hunting for underdogs.
4
The Secret
It originally launched to serve U.S. and Canadian consumers and carved out a niche with interest-free installment plans — leaning hard on the idea that debt shouldn't sting.
5
The Lore
Its name is a playful riff on the word "sizzle" — because apparently splitting your cart into four easy payments is supposed to sound exciting, not terrifying.
6
The Giveaway
Ticker SEZL, and a name that rhymes with a steakhouse sound effect — this Minneapolis BNPL upstart wants to be the little installment engine that could.

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What's Driving SEZL's Business? Latest 10-Q Breakdown

AI-extracted from Sezzle Inc.'s 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

Subscription revenue (Sezzle Premium/Anywhere) grew from higher subscriber base; virtual card interchange revenue increased $6.8M YoY.

Biggest Revenue Drivers

Total revenue: $149.7M+51.7% YoY

Revenue from contracts with customers$84.7M+62.9% YoY

Subscription revenue (Sezzle Premium/Anywhere) grew from higher subscriber base; virtual card interchange revenue increased $6.8M YoY.

Largest Expense Items

Provision for credit losses$30.6M+48.3% 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$149.7M

Net Income

Q2 2026

$40.8M

Free Cash Flow

Q2 2026

$51.8M

Operating Margin

Q2 2026

36.7%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+66.1% YoY

$450.3MFY 2025

FY22 $125.6MFY23 $159.4MFY24 $271.1MFY25 $450.3M

Net Income

+69.5% YoY

$133.1MFY 2025

FY22 $-38.1MFY23 $7.1MFY24 $78.5MFY25 $133.1M

Operating Income

+115.0% YoY

$176.8MFY 2025

FY22 $-28.4MFY23 $22.2MFY24 $82.2MFY25 $176.8M

EPS (Diluted)

+919.2% YoY

$3.72FY 2025

FY22 $-1.17FY23 $0.21FY24 $0.36FY25 $3.72

Total Assets

+34.1% YoY

$400.2MFY 2025

FY22 $172.6MFY23 $212.6MFY24 $298.4MFY25 $400.2M

Op. Cash Flow

+60.7% YoY

$209.9MFY 2025

FY22 $8.5MFY23 $-25.7MFY24 $130.6MFY25 $209.9M

Free Cash Flow

+60.3% YoY

$209.3MFY 2025

FY22 $8.5MFY23 $-25.8MFY24 $130.6MFY25 $209.3M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$450.3M +66.1%	$271.1M +70.1%	$159.4M +26.9%	$125.6M +9.4%	$114.8M +95.3%	$58.8M
Net Income	$133.1M +69.5%	$78.5M +1006.3%	$7.1M +118.6%	$-38.1M +49.3%	$-75.2M -132.1%	$-32.4M
Operating Income	$176.8M +115.0%	$82.2M +270.5%	$22.2M +178.1%	$-28.4M +58.6%	$-68.7M -145.9%	$-27.9M
EPS (Diluted)	$3.72 +919.2%	$0.36 +75.2%	$0.21 +117.9%	$-1.17 -207.0%	$-0.38 -123.5%	$-0.17
Total Assets	$400.2M +34.1%	$298.4M +40.3%	$212.6M +23.2%	$172.6M -22.8%	$223.4M +28.3%	$174.1M
Operating Cash Flow	$209.9M +60.7%	$130.6M +608.5%	$-25.7M -401.8%	$8.5M +111.8%	$-72.1M -190.8%	$-24.8M
Free Cash Flow	$209.3M +60.3%	$130.6M +606.7%	$-25.8M -404.6%	$8.5M +111.6%	$-72.8M -188.7%	$-25.2M

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Available Research

13F Pro tracks comprehensive data for Sezzle Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of SEZL

BlackRock, Inc.
$436.5M2,543,246 sh
Divisadero Street Capital Management, LP
$283.1M1,649,531 sh
Accredited Investors Inc.
$138.6M807,442 sh
VANGUARD CAPITAL MANAGEMENT LLC
$130.5M760,318 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$113.3M660,100 sh
STATE STREET CORP
$113.3M659,899 sh
PRICE T ROWE ASSOCIATES INC /MD/
$108.4M631,846 sh
Schonfeld Strategic Advisors LLC
$100.4M584,700 sh
GEODE CAPITAL MANAGEMENT, LLC
$95.7M557,752 sh
Caption Management, LLC
$92.7M540,100 sh

Fund	Value	Shares
BlackRock, Inc.	$436.5M	2,543,246
Divisadero Street Capital Management, LP	$283.1M	1,649,531
Accredited Investors Inc.	$138.6M	807,442
VANGUARD CAPITAL MANAGEMENT LLC	$130.5M	760,318
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$113.3M	660,100
STATE STREET CORP	$113.3M	659,899
PRICE T ROWE ASSOCIATES INC /MD/	$108.4M	631,846
Schonfeld Strategic Advisors LLC	$100.4M	584,700
GEODE CAPITAL MANAGEMENT, LLC	$95.7M	557,752
Caption Management, LLC	$92.7M	540,100

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Is SEZL a good stock to buy?

13F Pro's AI-powered analysis of Sezzle Inc. (SEZL) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SEZL are available on the SEZL stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. SEZL is classified as a mid company.

Which hedge funds own SEZL?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SEZL. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Sezzle Inc.'s investment landscape.