Sezzle (SEZL)
Provides short-term installment payments with subscriptions and virtual-card access beyond partner checkouts.
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Provides short-term point-of-sale installment loans, subscriptions and virtual-card payments in the United States and Canada. Revenue comes from merchant processing, consumer and delinquency fees, subscriptions, interchange and partner incentives, while WebBank originates a substantial majority of facilitated loans.
Provides short-term point-of-sale credit and digital payments in the United States and Canada. Pay-in-Four anchors the platform; Pay-in-Two, Pay-in-Full and merchant-specific terms broaden checkout options, while Sezzle Up supports credit building.
Combines integrated merchant checkout with virtual-card access beyond the direct network. Revenue comes from merchant processing and consumer fees, virtual-card interchange, partner incentives, and subscriptions to Sezzle Premium and Sezzle Anywhere. Sezzle On-Demand gives nonsubscribers off-network access for a finance charge.
Maintains a single portfolio of unsecured point-of-sale installment loans, making underwriting and credit losses central to the model. WebBank originates a substantial majority of facilitated loans and exclusively issues card, On-Demand, Pay-in-Four and Pay-in-Two products; operations remain subject to consumer-lending rules in both countries.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 10, 2026 | Cowen & Co. | Upgrade | ||
| Aug 10, 2026 | TD Cowen | Upgrade | ||
| Jul 13, 2026 | Keefe, Bruyette & Woods | Downgrade | ||
| Jun 29, 2026 | Oppenheimer | Downgrade | ||
| Jun 25, 2026 | Northland Securities | Target | Target: $160 | Target: $170 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $84.3M · Total debt $121.8M · Total assets $456.5M · Shareholders' equity $233.0M
- Revenue
- $149.7M
- Operating income
- $55.0M
- Net income
- $40.8M
No dividends on record.
| Institutions | ≈ 44.08% | 14.82M shares | |
|---|---|---|---|
| 351 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 44.87% | 15.09M shares | |
| 13 holders · as of Sep 14, 2026 | |||
| Other | ≈ 11.05% | 3.71M shares | |
| remainder | |||
33.63M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Charles YouakimInsiderdirector, 10 percent owner, officer: Executive Chairman and CEO | 39.89% | 13.41M | filed Sep 14, 2026 |
BlackRock, Inc.Institution | 7.56% | 2.54M | as of Jun 30, 2026 |
Divisadero Street Capital Management, LPInstitution | 4.91% | 1.65M | as of Jun 30, 2026 |
Accredited Investors Inc.Institution | 2.40% | 807,442 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 2.26% | 760,318 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 27, 2026 | Kyle M. Brehm | director | −1,000 | $125.92 |
| Aug 20, 2026 | Rajeev Khurana | officer: General Counsel | +129 | $115.88 |
| Jul 16, 2026 | Lee Dickson Brading | officer: Chief Financial Officer | −434 | $195.03 |
| Jul 15, 2026 | Lee Dickson Brading | officer: Chief Financial Officer | −9,900 | $188.31 |
| Jul 16, 2026 | Paul Paradis | director, officer: Director & President | −10,732 | $191.10 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Sezzle | $110.91 | −4.84% | $3.92B | 25.4 | 18.7 | 7.4 | +51.7% |
| Affirm | $71.67 | +0.87% | $23.79B | 12.9 | 37.5 | 5.7 | +33.0% |
| Block | $78.05 | +0.18% | $46.37B | 139.1 | 17.0 | 1.9 | +9.3% |
| Klarna | $13.63 | −0.40% | $5.16B | — | 104.2 | 1.3 | +26.6% |
| PayPal | $54.75 | +4.05% | $45.01B | 9.9 | 9.9 | 1.3 | +4.8% |
| Shopify | $147.30 | +6.80% | $178.97B | 92.6 | 70.8 | 13.5 | +32.0% |
| ZipRecruiter | $3.74 | −3.74% | $334.7M | 11.1 | — | 0.7 | +5.2% |
| Synchrony Financial | $73.82 | −1.57% | $24.40B | 7.7 | 7.8 | 1.3 | −21.1% |
| Median | 12.0 | 27.3 | 1.3 | +9.3% |