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SESEZL

Sezzle Inc.

Hot onWhy it's trendingX chatter spiked vs its recent normBacked by solid revenue growth
$SEZL·$4.9B·Financial - Credit Services·Financial Services
$163.28+11.3%YTD+153.0%1Y+14.2%
Mentions · last 7 days
2026-06-11: 30 posts2026-06-12: 23 posts2026-06-13: 16 posts2026-06-14: 16 posts2026-06-15: 55 posts2026-06-16: 34 posts2026-06-17: 107 posts281+61%
Price updated 12h ago·X counts updated 2d ago
SESEZL
Sezzle Inc.$SEZL
$163.28+11.28%281 posts+61%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $SEZL, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-06-18

The move is getting stronger, with heavier trading behind it.

The smallest of the buy-now-pay-later names just compounded 127% YTD on real 41% operating margin — co-founder is starting to sell on the rip.

Sezzle is the Minneapolis-based buy-now-pay-later platform — four interest-free installments at checkout — that quietly built genuine unit economics while Klarna and Affirm dominated headlines. The story this year has been operating leverage clicking: Q1 revenue grew 29% YoY to $136M at an 86% gross margin and a stunning 51% operating margin, with $89M of quarterly free cash flow. At 33x trailing earnings and 10x sales for a 29% grower with 51% margins, the multiple is defensible — this is one of the rare BNPL names where the math actually works. The stock is +127% YTD and now 88% above the 200-day MA; co-founder Paul Paradis just sold $3.5M at $133 and officer Krause added $374K — distribution into strength, classic mature-momentum mechanics. Inclusion in the SURE ETF as the second-largest position is institutional follow-through, not just retail.

Agrees with X sentimentX has it right: SEZL is the standout in the consumer-lending-fintech basket (XYZ, SEZL, AFRM, KLAR, UPST, DAVE), and the 'second-largest position in SURE ETF' is real institutional validation. The 'sold at $90 with 50% profit, regret' tell is the kind of capitulation regret that often marks accelerating moves with room to run.

What to watch: August 6 Q2 print — needs operating margin holding above 40% AND revenue growth maintaining 25%+. A consumer-credit cycle deterioration or an OpEx step-up would compress the multiple fast; a clean print with continued Super App rollout extends the trend.

On the calendar: 2026-08-06 — Q2 2026 earnings

float missingbeta missing

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment15 posts analyzed · as of 2026-06-18

Sezzle is up roughly 135% with original buy-now-pay-later calls returning 70% from $1.50 to $2.60 and posters citing $XYZ's 9.6M-share day signaling broad consumer-fintech volume surge alongside AFRM, KLAR, UPST, and DAVE. The stock joins the SURE buyback-ETF as its second-largest position, and the rally is described as healthier than last year's. A prior board-member resignation is reframed as misread by the market.

Read the AI verdict + X sentiment for $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)
  • X crowd read with bullish/bearish call + post volume
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What it does

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

Sezzle Inc., established in 2016 and based in Minneapolis, Minnesota, functions as a tech-powered payment enterprise with operations concentrated in the United States and Canada. It delivers a payment service available at both e-commerce sites and physical retail outlets, facilitating connections between consumers and businesses. The company's platform allows patrons to complete online transactions and divide the total cost into four equivalent, interest-free installments, payable over a six-week period.

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

Agentic commerce (AI agents transacting on behalf of consumers) is the structural repricing event for payment network infrastructure — Visa, Mastercard, and Amex are building agent transaction APIs as long-duration positioning. X Money's emergence as a potential PayPal disruptor is the week's narrative; higher-for-longer rates continue to pressure fintech lenders' cost of capital.

See how Financial - Credit Services shapes $SEZL

  • Where the industry is in its cycle and the catalysts moving it now
  • What this means specifically for $SEZL's next move
  • Peer-basket or ETF benchmark you can use to gut-check the read
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Industry benchmark

12-name peer basket
-10.4%YTD
-11.1%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
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%
Q2 2025Aug 7, 2025$0.69$0.58+19.0%
Next earningsThu, Aug 6·consensus EPS $0.96

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

2-year forecast · up to 5 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$591.8M$583.8M – $596.4M$5.10$5.04 – $5.135
FY27$748.7M$735.7M – $761.7M$6.54$6.26 – $6.894

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.2.0×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.83%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.+61.4%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.+108.6%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Know if $SEZL is setting up — or just chopping

  • Volume multiple vs 30-day baseline — catch unusual interest before the move
  • Position vs 50d & 200d MAs and 52-week range — trend direction at a glance
  • Float bucket, beta, and active-offering flags — what kind of stock you're trading
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Insider activity

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

Recent transactions

SellJun 12Paul ParadisPresident26.4K sh$3.5MSellMay 27Justin KrauseSVP FINANCE AND CONTROLLER3.2K sh$374KSellMay 11Paul ParadisPresident768 sh$77KSellMay 8Paul ParadisPresident193 sh$19KSellMay 7Paul ParadisPresident25.4K sh$2.6MSellMay 7Justin KrauseSVP FINANCE AND CONTROLLER11.8K sh$1.3M
+ 15 other (8 inkinds · 7 awards) 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

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-KMaterial eventMar 208-K — Item 4.01
SC 13D/AActivist amendmentMar 16SC 13D/A
8-KPress release / Reg FDMar 68-K — Item 7.01: Press release / Reg FD
8-KEarnings restatementFeb 258-K — Item 2.02: Earnings release · Item 4.02: Earnings restatement
+ 9 other (3 earnings 8-Ks · 2 10-Ks · 1 10-Q · 1 3) in window

Recent news

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

A Look at Sezzle Inc (SEZL) After 11.4% Gain -- GF Value $72.31 vs Price $163.28gurufocus.com·13h agoSezzle: Profitable, Growing, But Still Under The Radarseekingalpha.com·1d agoIs Sezzle Inc. (SEZL) Stock Outpacing Its Business Services Peers This Year?zacks.com·7d agoSezzle Expands Super App Platform Following Strong 1Q26 Resultsglobenewswire.com·16d agoSezzle Inc (SEZL) Shares Surge 5.5% -- What GF Score of 67 Tells Investorsgurufocus.com·23d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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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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