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TickerTalks›$SEZL
SESEZL

Sezzle Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 29% YoY at strong marginsRecent insider buyingQuiet on X (57 mentions/wk)
$SEZL·$4.1B·Financial - Credit Services·Financial Services
$118.46+0.1%YTD+83.4%1Y+34.5%
Price updated 8m ago·X counts updated 2d ago
SESEZL
$SEZLSezzle Inc.
$118.46+0.09%57 posts1.1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

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.

57X posts · last 7 days
Aug 22Sep 7
Chatter Meter
1.1×
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, louder than 77% of tracked names.

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.

Proven numbersStalledAI verdict · as of 2026-09-09

The move has stalled — likely just drifts unless something new shows up.

Sezzle is 83% YTD but cratered 25-35% post-earnings despite beating every metric — the fundamentals are strong at 41% operating margin, but the tape is defeated.

Sezzle is a US buy-now-pay-later fintech with an unusually clean profitable-plus-growing profile. The stock is stalled at 47% of the 52-week range as post-earnings sentiment stays defeated.

  • The financials are legitimately elite for a fintech: Q1 revenue of $135.5M was up 29% YoY at a 51% operating margin, and the trailing four-quarter operating margin has held above 30% every quarter — most BNPL peers can only dream of these economics.
  • The 4.8% FCF yield with 47% ROIC combined with 88% gross margin says this is a software-adjacent economics business trading like a fintech — the multiple compression is what has hurt the stock, not the operational reality.
  • The 20-post bearish sentiment 'defeated' tone after multi-metric beats plus raised guidance says positioning has been washed out — combined with the 35.9% Wall Street upside target, the risk-reward is skewed to the upside if execution continues.

If Q3 earnings on Nov 4 confirms continued growth-plus-margin cadence, the stalled 47%-of-range setup gets a real catalyst to reset the sentiment. Continued algorithmic-driven post-earnings drawdowns despite strong fundamentals, a cost-trend concern materializing, or a large merchant-loss event is what would extend the stall.

What to watch: Q3 earnings on Nov 4 — revenue-growth cadence versus 29% trajectory, operating-margin holding above 40%, and any commentary on merchant-cohort growth. Continued strong metrics with cleaner post-earnings tape breaks the stall; another algorithmic-driven drawdown extends it.

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

elite fintech metricspost earnings algorithmic selloffpositioning washout

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 expansion are reshaping credit pricing; card network volumes are resilient to consumer caution thanks to premium-spend mix. Higher-for-longer rates compress subprime credit quality while sustaining net interest margins at traditional lenders.

What this means for $SEZL

Partial — Sezzle BNPL; interest-rate sensitivity and consumer caution weigh, but niche BNPL positioning.

Industry benchmark

18-name peer basket
-14.0%YTD
-22.3%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.0.5×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.47%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.-20.6%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.+20.1%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.β6.675-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
+ 24 other (15 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

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-KMaterial eventMar 208-K — Item 4.01
+ 9 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.

Why Sezzle Inc. (SEZL) is a Top Growth Stock for the Long-Termzacks.com·1d agoWall Street Analysts See a 35.89% Upside in Sezzle Inc. (SEZL): Can the Stock Really Move This High?zacks.com·2d agoBreakfast News: Week in Reviewfool.com·6d agoSezzle Grows Merchant Network: Can New Brands Drive Wider Adoption?zacks.com·7d agoAffirm Rallies 6% on $104 Price Target From BofA, Sezzle Climbs 4%, PayPal Rises 3%247wallst.com·7d ago

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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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