Sezzle Inc. (SEZL) Stock Price & Analysis

Sezzle Inc. (SEZL) closed at USD 133.86 on Thursday, October 29, 2026, up 2.95% on the day. The US market is currently closed (after-hours); this is not a live price.

The prior close was USD 130.02; the Oct 29, 2026 session ranged USD 125.77–136.79 on volume of 522,013 shares. Market capitalization is $4.52B, with a 52-week range of USD 49.5–195.71 (NCM). Source: Nexqual, retrieved October 29, 2026 at 21:30 UTC.

Also available as compact Markdown for AI agents: nexqual.com/SEZL.md

Key facts (SEZL)

• Last four reported quarters (through Jun 30, 2026): revenue $532M, net income $161M (30.4% margin), free cash flow $275M (SEC filings).
• Valuation: P/E 28.0x (avg 17.6x at the last 3 fiscal year-ends).
• Insider open-market sales, last ~7 months: 14 Form 4 filings, $23.2M; 1 not under a Rule 10b5-1 plan ($126K); 1 by opportunistic insiders (0 outside 10b5-1 plans), 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
• Insider open-market purchases, last ~7 months: 2 Form 4 filings, $44K; 0 by opportunistic insiders, 0 by routine insiders.
• Analysts: Buy (mean 2.29 on a 1–5 scale) (7 analysts), mean target USD 167.17 (range 150–196).
• Total return with dividends: 1Y +105.7% vs S&P 500 +14.4%; 5Y +5884.8% vs S&P 500 +79.1%.
• Next earnings: 2026-11-04, EPS estimate USD 1.29, revenue estimate $155M.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (SEZL)

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (SEZL)

P/E 28.0x · P/S 8.5x · P/FCF 16.5x · P/B 19.4x · FCF yield 6.07% · Earnings yield 3.57% · Buyback yield (TTM) 1.48%

P/E at fiscal year-ends: Dec 2025 17.0x, Dec 2024 19.5x, Dec 2023 16.4x.

Insider sales (SEC Form 4, open-market, last ~7 months) (SEZL)

13 of 14 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.

% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Insider purchases (SEC Form 4, open-market, last ~7 months) (SEZL)

2 purchases, $44K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.

Analysts (SEZL)

Consensus Buy (mean 2.29 on a 1–5 scale), 7 analysts; mean target USD 167.17 (low 150, high 196).

Rating changes, last 120 days:

Total return (dividends reinvested) (SEZL)

SEZL earnings history and stock reaction

EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).

SEZL recent SEC filings (last 120 days)

Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.

SEZL revenue by product line (quarter ended Jun 30, 2026)

As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).

SEZL suppliers, customers and competitors (named in its 10-K)

Quoted from the company's 10-K filed Feb 26, 2026.

SEZL analyst estimates and revisions

SEZL options: expected move

Options price a move of about ±19.3% (±$24.75) by Nov 20, 2026, which includes earnings on Nov 4, 2026. Over the last 8 reports the stock moved ±16.9% on average.

30-day implied volatility 89.5% vs 55.5% realized over the last 30 trading days. Put/call ratio (volume) 0.93. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.

Key Statistics (as of October 29, 2026 at 21:30 UTC)

Technical Analysis (SEZL)

Nexqual's technical model rates SEZL "STRONG BUY" based on 5 bullish and 0 bearish signals across 127 daily candles, as of October 29, 2026 at 21:30 UTC.

Analyst Ratings (SEZL)

Wall Street analysts rate SEZL "Buy" based on 7 analysts, with a mean price target of USD 167.17 (range USD 150–196), per Nexqual as of October 29, 2026 at 21:30 UTC.

Earnings (SEZL)

Recent Earnings History

Source: Nexqual, October 29, 2026 at 21:30 UTC.

Financials & Fundamentals (SEZL)

Source: Nexqual, October 29, 2026 at 21:30 UTC.

Financial Health Score (SEZL)

Nexqual rates Sezzle Inc.'s overall financial health "Strong" across five dimensions, as of October 29, 2026 at 21:30 UTC.

Ownership (SEZL)

Source: Nexqual, October 29, 2026 at 21:30 UTC.

Leadership (SEZL)

Sezzle Inc. is led by Charles G. Youakim, Co-Founder, Executive Chairman & CEO, per Nexqual as of October 29, 2026 at 21:30 UTC.

Major Backers & Investors (SEZL)

Notable institutional backers of Sezzle Inc. include Divisadero Street Capital Management, LP, Accredited Investors Inc., Price (T.Rowe) Associates Inc, according to Nexqual as of October 29, 2026 at 21:30 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 29, 2026 at 21:30 UTC.

From Sezzle Inc.'s Latest SEC 10-K Filing (filed 2026-02-26)

Key Strengths & Strategy (as disclosed to the SEC)

• The Sezzle Virtual Card, issued by WebBank pursuant to a license from Visa U.S.A Inc., allows consumers to use the Sezzle Platform with merchants in-store and online, including merchants that are not directly-integrated with Sezzle.
• Enterprise merchants, which we define as merchants with over $250.0 million in total annual gross sales, also benefit from using the Sezzle Platform.
• Consumers elect to participate in Sezzle Up, which allows us to report the consumer's transactions made on the Sezzle Platform to establish a record of payments.
• We earn a fee from our lending collaborators for marketing and referring the potential consumers to them and processing applications using our proprietary underwriting analysis; however, we do not make final credit decisions or originate or hold the loans in our portfolio, which limits our capital needs and credit risk.

Partnerships

• Through collaboration with third-party lenders, we enable our consumers at participating merchants access to interest-bearing monthly fixed-rate installment-loan products for larger-ticket items (up to $15,000), which extend up to 60 months.
• As part of our ongoing initiatives in product innovation, we partnered with a bank sponsor, WebBank, enabling us to expand the suite of products we are able to offer our consumers.

Legal & Regulatory Risks (Item 1A, quoted)

• The BNPL industry is subject to various and complex state and federal laws in the United States and federal, provincial and territorial laws in Canada, and the costs to maintain compliance with such laws and regulations may be significant.
• We are subject to a range of state and federal laws and regulations concerning consumer finance that can be highly technical, subject to varying interpretations, and potentially conflict or overlap as they change over time.
• New laws or regulations in the U.S. or Canada, or laws and regulations in new markets, that apply to us or our business could also require us to incur significant expenses and devote significant management attention to ensure compliance.
• We are subject to the regulatory, supervisory, and enforcement authority of the CFPB. Regulations issued by the CFPB or examinations by the CFPB, or changes in such regulations and examinations, could impact our business and financial condition due to, among other things, increased compliance costs or costs due to noncompliance.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 21:30 UTC. This page is informational and not investment advice.

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