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Added to YB: 2025-07-01

Pitch date: 2025-05-08

SEZL [bullish]

Sezzle Inc.

+147.62%

current return

Author Info

No bio for this author

Company Info

Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada. The company offers Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; Pay-in-five which allows eligible consumers to pay a fifth of the purchase price up front, and then another four installments every two weeks; Pay-in-Two, which allow consumer to pay half of the value of their order up-front and the second half in two weeks; and other alternative installment options.

Market Cap

$3.8B

Pitch Price

$74.00

Price Target

225.00 (+23%)

Dividend

N/A

EV/EBITDA

13.37

P/E

27.07

EV/Sales

7.97

Sector

Financial Services

Category

growth

Show full summary:
Investment Memorandum - Buy Thesis: Sezzle Inc.

SEZL: Consumer-funded BNPL targeting near/subprime with ~100% YoY revenue growth, ~25% net income margin in Q4'24. Proprietary 'Prophet Score' underwriting reduces loss rates from 5% to ~1% after 5 repayments. WebBank partnership enables nationwide expansion. Trading ~19x 2025E earnings, ~12x 2026E. Founder owns 35%+. 3x potential by 2027. Risks: competition, execution, regulation, credit cycle.

Read full article (16 min)