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SESEZL

Sezzle Inc.

$SEZL·$5.2B·Financial - Credit Services·Financial Services
$153.89-3.2%YTD+138.5%1Y+9.4%
Mentions · last 7 days
2026-07-18: 0 posts2026-07-19: 7 posts2026-07-20: 11 posts2026-07-21: 19 posts2026-07-22: 22 posts2026-07-23: 12 posts2026-07-24: 3 posts81+2%
Price updated 1d ago·X counts updated 1h ago
SESEZL
$SEZLSezzle Inc.
$153.89-3.22%81 posts+2%
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 numbersEvent coming upAI verdict · as of 2026-07-25

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

The other US BNPL name (alongside AFRM) with a 2-year cup-and-handle setup — the August 6 print will show if the setup breaks up or down.

Sezzle Inc. is a US buy-now-pay-later specialty-finance company competing with Affirm and Klarna in the smaller-ticket consumer-BNPL space. Up 138% year to date and 9% over 12 months at 71% of its 52-week range with earnings on August 6, the setup is a coiled name into a specific print.

Why the setup has substance:

  • The fundamentals are elite: last quarter revenue grew 29% YoY to $141M with gross margin of 89% and operating margin of 41% — those are extraordinary BNPL numbers, and the ROIC of 47% is best-in-class for the specialty-finance category — that's what supports the 33x trailing P/E and the SeekingAlpha Quant Team top-10 for 2H26 inclusion.
  • The technical setup is unusually clean: a weekly cup-and-handle forming over 2 years with a tight handle, plus the stock tripling since last earnings without ever breaking the 21-day EMA, is the exact chart pattern that breakout traders spend months waiting for — and the setup being 'called out as an A+ chart falling on deaf ears' captures the flow reality.
  • The bear risk is regulatory-and-competitive: same California BNPL/EWA scrutiny that hits DAVE and AFRM applies to Sezzle, and continued high multiple on print means any specific miss or regulatory-tone shift is what takes the stock back materially.

The August 6 print is the reconciliation event: a revenue growth above 30% YoY plus specific commentary on unit economics and the California regulatory update is what carries the coil into a real breakout above the cup-and-handle target. A soft revenue print or explicit California-scrutiny commentary is what breaks the setup and takes the stock back into the low-$100s despite the strong operating profile.

Agrees with X sentimentAgrees with the strongly bullish X read — the 2-year cup-and-handle, the tripling since last earnings without breaking the 21-day EMA, the Cress Quant Team top-10 inclusion, and the DAVE 1H list precedent are all substantive; the multi-year setup is genuinely rare.

What to watch: August 6 Q2 earnings: revenue growth above 30%, unit economics commentary, and California BNPL/EWA regulatory update — a soft revenue print or California-scrutiny commentary takes the stock to the low-$100s.

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

X sentiment

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

Bullish sentiment6 posts analyzed · as of 2026-07-24

Sezzle tightened at the 21-day moving average amid a shaky fintech backdrop with what posters describe as huge growth numbers, and the name was tagged #7 on Steven Cress's SeekingAlpha Quant Team top-10 for 2H26 (with DAVE at #8 — the 1H list delivered 80% YTD). The weekly chart is forming a 2-year cup-and-handle with a tight handle, and the stock has tripled since last earnings without ever breaking the 21-day EMA. Posters flag the setup as an A+ chart falling on deaf ears.

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.

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

No material change from last week — AI agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.

What this means for $SEZL

Partial — Buy-now-pay-later platform splitting purchases into four interest-free installments for US and Canadian shoppers; partial earnings exposure to financial - credit services demand dynamics through its product portfolio.

Industry benchmark

18-name peer basket
-10.2%YTD
-13.0%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 $1.03

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$597.0M$588.9M – $601.6M$5.12$5.05 – $5.185
FY27$748.0M$736.1M – $762.0M$6.55$6.39 – $6.865
FY28$809.6M$794.2M – $824.2M$7.35$7.17 – $7.521

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.0.5×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.71%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.+6.7%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.+74.1%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 today2.1% 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.β6.725-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

SellJul 16Paul ParadisPresident10.7K sh$2.1MSellJul 16Brading Lee DicksonCFO434 sh$85KSellJul 15Brading Lee DicksonCFO9.9K sh$1.9MSellJul 15Paul ParadisPresident8.2K sh$1.6MSellJul 6Brading Lee DicksonCFO100 sh$19KSellJul 1Amin SabzivandCOO6.9K sh$1.2MSellJul 1Brading Lee DicksonCFO10.0K sh$1.8MSellJun 26Brading Lee DicksonCFO5.6K sh$945KSellJun 25Brading Lee DicksonCFO4.4K sh$731KSellJun 18Brading Lee DicksonCFO3.9K sh$630K
1–10 of 17
+ 19 other (10 inkinds · 8 awards · 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

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-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
+ 10 other (4 earnings 8-Ks · 2 10-Ks · 2 8-Ks · 1 10-Q) in window

Recent news

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

Sezzle vs. Upstart: Which Fintech Stock Is the Better Buy Now?zacks.com·2d agoAre Business Services Stocks Lagging Sezzle Inc. (SEZL) This Year?zacks.com·4d agoSezzle Named a World's Top Fintech Company, Best Online Platform, and Top Employer for 2026globenewswire.com·4d agoSezzle Growth Engine: Can Subscriber Momentum Keep Accelerating?zacks.com·5d agoSezzle Inc. (NASDAQ:SEZL) Receives $138.83 Average PT from Brokeragesdefenseworld.net·9d ago

In themes

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

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Voices on X · top 5 · last 7 days

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