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SESEZL

Sezzle Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 29% YoY at strong marginsRecent insider buyingQuiet on X (59 mentions/wk)
$SEZL·$4.0B·Financial - Credit Services·Financial Services
$117.32-1.5%YTD+81.8%1Y+32.1%
Price updated 9h ago·X counts updated 3d ago
SESEZL
$SEZLSezzle Inc.
$117.32-1.47%59 posts1×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $SEZL on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

59X posts · last 7 days
Aug 31Sep 13
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $SEZL's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Bearish sentiment⚠AI analysisGenerated by AI from underlying data20 posts analyzed · as of 2026-08-14 · top-engagement diverged

Sentiment is bearish, though the frustration is with price action, not fundamentals. Multiple posters note Sezzle beat every metric and raised guidance yet the stock cratered 25–35% post-earnings, with calls for a slide toward $80. Users blame algos and cost-trend concerns; the mood is defeated rather than opportunistic.

Read what X is saying about $SEZL

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $SEZL — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Comeback attemptWinding up for a moveAI verdict · as of 2026-09-15

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

BNPL name beat every metric and raised guide yet dropped 25-35% — the algo-driven cost-trend selloff is the setup.

Sezzle is a small-cap BNPL and consumer-credit platform with strong growth mechanics and elite margins. The stock is up 84% year-to-date and 35% over twelve months, but recently cratered 25-35% post-earnings despite beating every metric and raising guidance.

  • The economics are outstanding: revenue grew 29% year-over-year last quarter to $136M with an 89% gross margin, 51% operating margin, and $89M FCF — this is a real cash compounder at 33x P/E, and every earnings component beat consensus.
  • The insider signal is unusual: founder Charles Youakim's 1.5M-share J-Other transfer is likely estate-planning, not open-market selling; officer Rajeev Khurana made a small $15K open-market purchase; while officer Kyle Brehm sold $126K — the setup argues the fundamentals justify the multiple, but the tape isn't participating.

Nov 4 Q3 earnings and any explicit cost-trend commentary are the fulcrum — GMV growth staying above 25% with margin holding is the run-restart; another post-earnings cost-trend concern or another algo-driven selloff extends the frustration.

Agrees with X sentimentAgree with the fundamentals-vs-price-action X read — Sezzle beat every metric and raised guide, yet the stock dropped 25-35% post-earnings on algo-driven cost-trend concerns. The 'defeated rather than opportunistic' mood is real, but the setup is fundamentally a value-plus-growth reset with a founder-J-Other transfer that's likely estate-planning, not distribution.

What to watch: Nov 4 Q3 earnings — GMV growth above 25% with margin holding is the run-restart; another post-earnings cost-trend concern or algo-driven selloff extends the frustration.

On the calendar: 2026-11-04 — Q3 earnings

Read the AI verdict on $SEZL

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Buy-now-pay-later platform splitting purchases into four interest-free installments for US and Canadian shoppers.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $SEZL.

Financial - Credit Services · Financial Services

AI-driven underwriting and BNPL are reshaping consumer credit while card network volumes hold via premium-spend mix; rate compression remains a headwind for subprime lenders. SoFi is down 30% YTD on valuation re-rate despite operational progress, and PYPL is expanding payment reach under a new strategic direction.

What this means for $SEZL

Partial — BNPL installment-split platform benefits from growing consumer adoption of alternative credit at checkout; US/Canada focus limits international scale but aligns with the structural BNPL adoption trend driving larger peers.

Industry benchmark

19-name peer basket
-15.1%YTD
-20.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
33.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
46.7%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
40.7%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
4.8%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
10.3Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
90.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
88.7%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.7Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 6, 2026$1.13$1.03+9.7%
Q1 2026May 6, 2026$1.43$1.24+15.3%
Q4 2025Feb 25, 2026$1.21$0.96+26.0%
Q3 2025Nov 5, 2025$0.71$0.65+9.2%
Next earningsWed, Nov 4·consensus EPS $1.26

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$135.5M+29.2%86.3%50.9%$1.52$88.6M
Q4 FY25$129.9M+32.2%106%42.5%$1.26$154.2M
Q3 FY25$116.8M+67.0%85.1%30.4%$0.78$32.3M
Q2 FY25$98.7M+76.4%73.7%36.6%$0.76$-36.7M

Forward consensus

3-year forecast · up to 5 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$608.9M$607.9M – $609.7M$5.25$5.22 – $5.275
FY27$757.2M$743.9M – $770.0M$6.68$6.47 – $7.265
FY28$876.5M$814.0M – $939.1M$7.95$7.70 – $8.182

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.4×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.46%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-17.5%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+16.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 17.0M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.8% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β6.675-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellAug 27Kyle M. BrehmDirector1.0K sh$126KBuyAug 20Rajeev KhuranaGeneral Counsel129 sh$15KSellJul 16Paul ParadisPresident10.7K sh$2.1MSellJul 16Brading Lee DicksonCFO434 sh$85KSellJul 15Paul ParadisPresident8.2K sh$1.6MSellJul 15Brading Lee DicksonCFO9.9K sh$1.9MSellJul 6Brading Lee DicksonCFO100 sh$19KSellJul 1Brading Lee DicksonCFO10.0K sh$1.8MSellJul 1Amin SabzivandCOO6.9K sh$1.2MSellJun 26Brading Lee DicksonCFO5.6K sh$945K
1–10 of 19
+ 25 other (15 inkinds · 8 awards · 1 other · 1 exempt) in window

See when $SEZL insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

SC 13D/AActivist amendmentSep 14SC 13D/A
AI summary

Charles Youakim (CEO and co-founder of Sezzle Inc.) and Cerro Gordo LLC filed Amendment No. 3 to Schedule 13D on Sezzle Inc. (SEZL) as of September 2, 2026, reporting 13,413,162 shares (~39.6% of class) including RSUs, options, and shares held through Cerro Gordo LLC (947,370 shares, 2.8%). This updates Youakim's existing large insider position — the amendment reflects updated holdings after equity events rather than a new purchase or activist intent.

8-KMaterial agreementAug 188-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
8-KPress release / Reg FDAug 128-K — Item 7.01: Press release / Reg FD
AI summary

Sezzle (SEZL) filed an 8-K on August 13, 2026 under Item 7.01 (Regulation FD), furnishing a public investor communication — likely an earnings presentation or business update — simultaneously made available to all investors. The excerpt is the cover page; the actual materials are in the attached exhibit. Sezzle is a buy-now-pay-later fintech platform. The Reg FD filing ensures compliance with simultaneous disclosure rules when sharing materials with select investors.

3New insider — initial holdingsJun 233
AI summary

Form 3 filed by Khurana Rajeev (Other (specify below) General Counsel 6. Individual or Joint/Group Filing (Check Applicable Line) X Form filed by One Reporting Person Form filed by More than One Reporting Person Table I - Non-Derivative Securities Beneficially Owned 1. Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5) Common Stock, par value $0.00001 per share 0 D Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 4) 2. Date Exercisable and Expiration Date (Month/Day/Year) 3. Title and Amount of Securities Underlying Derivative Security (Instr. 4) 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 6. Nature of Indirect Beneficial Ownership (Instr. 5) Date Exercisable Expiration Date Title Amount or Number of Shares Explanation of Responses: Remarks: Exhibit 24.1 - Power of Attorney filed herewith. /s/ Brady Duane Kafka, as Attorney-in-Fact 06/23/2026 ** Signature of Reporting Person Date Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. * If the form is filed by more than one reporting person, see Instruction 5 (b)(v). ** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a). Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure. Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number. * Form 3: SEC 1473 (03-26)) at SEZL on 2026-06-23. This initial statement of beneficial ownership reports the filer's securities holdings as required under Section 16(a). Filing is routine and indicates an insider's initial ownership disclosure following appointment or acquisition of 10%+ stake.

3New insider — initial holdingsMay 263
AI summary

Bryan Cecil Hunt filed a Form 3 (initial statement of beneficial ownership) as a new director of Sezzle Inc. (SEZL) as of April 9, 2026, directly holding 2,800 shares of Sezzle common stock ($0.00001 par value) and reporting no derivative securities. This is a routine administrative filing upon board appointment; the 2,800-share position is de minimis and has no market impact.

8-KPress release / Reg FDMay 138-K — Item 7.01: Press release / Reg FD
AI summary

Sezzle Inc. filed an 8-K (Items 7.01 and 9.01) on May 13, 2026 furnishing investor presentation materials under Reg FD. The excerpt is boilerplate header only; the presentation content is in the attached exhibit. Routine Reg FD disclosure — likely an investor conference presentation for the buy-now-pay-later fintech — no material event in the filing itself.

8-KMaterial agreementMay 128-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation · Item 7.01: Press release / Reg FD
AI summary

Sezzle Inc. filed an 8-K covering Items 1.01 (material definitive agreement), 2.03 (creation of direct financial obligation), and 7.01 (Reg FD) dated May 7, 2026. The filing signals Sezzle entered into a new credit or debt facility and simultaneously furnished investor-facing materials under Reg FD. No dollar amounts or counterparty names are visible in the excerpt. This combination of a new financial obligation alongside an investor presentation is material — it suggests a capital structure event worth monitoring for leverage impact on the buy-now-pay-later lender.

8-KOfficer or director changeApr 98-K — Item 5.02: Officer or director change
+ 8 other (4 earnings 8-Ks · 2 10-Qs · 1 routine 8-K · 1 10-K) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

California State Teachers Retirement System Increases Position in Sezzle Inc. $SEZLdefenseworld.net·2d agoSezzle's Engagement Story Keeps Building: Is the Stock Attractive Now?zacks.com·7d agoWhy Sezzle Inc. (SEZL) is a Top Growth Stock for the Long-Termzacks.com·9d agoWall Street Analysts See a 35.89% Upside in Sezzle Inc. (SEZL): Can the Stock Really Move This High?zacks.com·10d agoBreakfast News: Week in Reviewfool.com·13d ago

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Voices on X · last 7 days

No standout posts about $SEZL on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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