Sezzle (NASDAQ:SEZL – Get Free Report) released its quarterly earnings results on Wednesday. The company reported $1.37 EPS for the quarter, topping analysts’ consensus estimates of $1.28 by $0.09, FiscalAI reports. Sezzle had a net margin of 30.35% and a return on equity of 83.48%. The business had revenue of $166.50 million for the quarter, compared to analyst estimates of $155.01 million. During the same period last year, the firm earned $0.71 earnings per share. Sezzle’s revenue for the quarter was up 42.6% compared to the same quarter last year.
Here are the key takeaways from Sezzle’s conference call:
- Q3 revenue grew 42.6% year over year to $166.5 million, while net income increased 79.3% to $47.8 million. Sezzle raised its 2026 revenue-growth outlook to approximately 42.5% and adjusted diluted EPS guidance to $5.45–$5.50, and introduced preliminary 2027 adjusted EPS guidance of $7.20.
- Active subscribers increased 68.1% year over year to 955,000, and average quarterly transaction frequency rose to 7.8 from 6.5 a year earlier. Average quarterly revenue per monetized user grew 28.1% to $41, alongside 34.9% growth in total transaction volume.
- Net transaction margin reached 64.7% of revenue, near the top of Sezzle’s 55%–65% target range; the company said it would have been about 62.5% without a $3.7 million benefit from its Visa arrangement. Marketing expense fell to $15.9 million from $19.4 million in Q2 while subscriber numbers continued to grow.
- SezzleCash showed early signs of cross-selling to BNPL, but remains new and relatively small, while Sezzle Send is still being refined. Executives cautioned that newer products may carry lower margins and higher credit losses as they scale, and said Send is being managed partly as a customer-acquisition channel.
Sezzle Price Performance
Shares of SEZL stock traded up $21.96 during trading hours on Thursday, reaching $158.65. The company’s stock had a trading volume of 1,371,645 shares, compared to its average volume of 687,833. Sezzle has a fifty-two week low of $49.50 and a fifty-two week high of $195.71. The firm’s 50 day simple moving average is $121.28 and its 200-day simple moving average is $109.35. The company has a quick ratio of 4.02, a current ratio of 4.02 and a debt-to-equity ratio of 0.52. The company has a market capitalization of $5.36 billion, a price-to-earnings ratio of 34.49 and a beta of 6.59.
Insiders Place Their Bets
In other Sezzle news, Director Bryan Hunt acquired 250 shares of Sezzle stock in a transaction that occurred on Friday, September 18th. The shares were acquired at an average cost of $115.86 per share, with a total value of $28,965.00. Following the completion of the purchase, the director directly owned 3,985 shares of the company’s stock, valued at $461,702.10. This represents a 6.69% increase in their position. The acquisition was disclosed in a document filed with the Securities & Exchange Commission, which is available through this link. Also, Director Kyle Brehm sold 1,000 shares of the firm’s stock in a transaction dated Thursday, August 27th. The shares were sold at an average price of $125.92, for a total value of $125,920.00. Following the completion of the sale, the director directly owned 23,853 shares in the company, valued at $3,003,569.76. This trade represents a 4.02% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. 43.90% of the stock is currently owned by insiders.
Trending Headlines about Sezzle
Here are the key news stories impacting Sezzle this week:
- Positive Sentiment: Sezzle reported Q3 earnings of $1.37 per share, above the $1.28 consensus estimate, and revenue of $166.5 million versus expectations of $155.0 million. Revenue rose 42.6% year over year. Read More.
- Positive Sentiment: Management lifted its 2026 earnings outlook and introduced 2027 targets, citing subscriber growth, stronger transaction activity, and new products as growth drivers. Read More.
- Positive Sentiment: Profit growth was supported by easing credit costs as a share of platform volume, while subscribers continued to shop more frequently—an encouraging combination for growth and profitability. Read More.
- Positive Sentiment: Needham raised its price target from $172 to $220 and maintained a Buy rating, signaling increased analyst confidence. Read More.
- Neutral Sentiment: A broader rally in the sector may also have contributed to the move, though Sezzle’s earnings and outlook were the company-specific catalysts. Read More.
Wall Street Analysts Forecast Growth
Several brokerages have recently commented on SEZL. TD Cowen lowered their target price on shares of Sezzle from $165.00 to $160.00 and set a “buy” rating on the stock in a report on Tuesday, October 6th. Weiss Ratings reiterated a “hold (c+)” rating on shares of Sezzle in a research note on Monday. B. Riley Financial reissued a “buy” rating on shares of Sezzle in a research report on Friday, August 7th. Keefe, Bruyette & Woods lowered their price objective on Sezzle from $190.00 to $155.00 and set a “market perform” rating on the stock in a research note on Friday, August 7th. Finally, Wall Street Zen cut Sezzle from a “buy” rating to a “hold” rating in a report on Sunday. One research analyst has rated the stock with a Strong Buy rating, four have assigned a Buy rating and four have issued a Hold rating to the stock. Based on data from MarketBeat, the stock presently has an average rating of “Moderate Buy” and an average price target of $153.67.
View Our Latest Report on Sezzle
About Sezzle
Sezzle Inc (NASDAQ: SEZL) is a financial technology company that provides buy now, pay later solutions. Its platform enables consumers to split eligible purchases into installments, generally at the time of checkout, while giving merchants payment and customer-engagement tools designed to support e-commerce sales.
The company offers installment payment services through its consumer app and merchant integrations, as well as products such as Sezzle Virtual Card and Sezzle Up. Sezzle Up is designed to provide eligible users with credit-building opportunities, while the company’s merchant platform supports checkout integration, transaction management and consumer financing.
Sezzle was founded in 2016 and is headquartered in Minneapolis, Minnesota.
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