SEZL - Sezzle Inc.
Price:
--
--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$85.00
DETAILS
HIGH:
$94.00
LOW:
$76.00
MEDIAN:
$85.00
CONSENSUS:
$85.00
DOWNSIDE:
22.73%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||
| Revenue | 450.3 | 271.1 | 159.4 | 125.6 | 114.8 | 58.8 | 0 | 1.6 | 0.0 |
| Cost of Revenue | 66.0 | 103.1 | 85.6 | 92.0 | 44.2 | 22.5 | 5.7 | 0.9 | 0.0 |
| Gross Profit | 384.3 | 168.0 | 73.8 | 33.6 | 70.6 | 36.3 | (5.7) | 0.7 | (0.0) |
| Operating Expenses | |||||||||
| R&D Expenses | 0 | 0.9 | 0 | 0 | 1.5 | 0 | 0 | 0.4 | 0.1 |
| SG&A Expenses | 49.0 | 21.1 | 20.6 | 35.4 | 137.8 | 44.6 | 13.2 | 4.4 | 0.8 |
| Other Expenses | 158.6 | 63.8 | 31.0 | 26.6 | 0 | 19.7 | (2.3) | 0 | (0.1) |
| Operating Expenses | 207.5 | 85.8 | 51.6 | 62.0 | 139.3 | 64.4 | 10.9 | 4.7 | 0.8 |
| Operating Income | |||||||||
| Operating Income | 176.8 | 82.2 | 22.2 | (28.4) | (68.7) | (28.1) | (16.6) | (4.0) | (0.8) |
| Interest Expense | 14.0 | 13.8 | 16.0 | 8.6 | 3.8 | 3.3 | 4.0 | 0 | 0 |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1 | 0 |
| Profitability | |||||||||
| EBITDA | 178.1 | 82.0 | 24.5 | (28.6) | (67.9) | (28.1) | (10.9) | (4.0) | (0.8) |
| EBIT | 176.8 | 81.1 | 23.7 | (29.4) | (68.7) | (28.1) | (10.9) | (4.1) | (0.8) |
| Income Before Tax | 162.9 | 67.3 | 7.7 | (38.0) | (75.1) | (32.4) | (16.6) | (4.2) | (1.8) |
| Income Tax Expense | 29.8 | (11.2) | 0.6 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0 |
| Net Income | 133.1 | 78.5 | 7.1 | (38.1) | (75.2) | (32.4) | (16.6) | (4.2) | (1.8) |
| Per Share Data | |||||||||
| EPS (Basic) | 3.93 | 2.33 | 0.21 | -1.17 | -2.38 | -0.84 | -0.66 | -0.45 | -0.21 |
| EPS (Diluted) | 3.72 | 2.19 | 0.21 | -1.17 | -2.38 | -0.84 | -0.66 | -0.45 | -0.21 |
| Shares Outstanding | 33.9 | 35.9 | 34.1 | 32.7 | 31.6 | 29.5 | 17.6 | 9.4 | 8.6 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Current Assets | |||||||||
| Cash & Cash Equivalents | 64.1 | 73.2 | 67.6 | 68.3 | 77.0 | 84.3 | 35.0 | 6.5 | 0.8 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 254.9 | 168.2 | 132.2 | 95.9 | 139.1 | 82.2 | 25.5 | 5.0 | 0.2 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 32.9 | 16.2 | 9.2 | 1.2 | 1.9 | 4.8 | 1.6 | 0.6 | 0.0 |
| Total Current Assets | 351.9 | 257.6 | 209.0 | 170.1 | 221.3 | 173.0 | 63.0 | 12.2 | 1.1 |
| Non-Current Assets | |||||||||
| Property, Plant & Equipment | 0.7 | 0.8 | 1.0 | 0.1 | 0.9 | 0.5 | 1.0 | 0.1 | 0.0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 3.3 | 2.4 | 1.9 | 1.3 | 0.9 | 0.5 | 0.5 | 0.3 | 0.1 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0 | 0 |
| Other Non-Current Assets | 30.8 | 20.6 | 0.7 | 1.0 | 0.3 | 0.1 | 0.1 | 0.0 | 0.0 |
| Total Non-Current Assets | 48.4 | 40.8 | 3.6 | 2.4 | 2.1 | 1.1 | 1.6 | 0.4 | 0.1 |
| Total Assets | 400.2 | 298.4 | 212.6 | 172.6 | 223.4 | 174.1 | 64.5 | 12.5 | 1.2 |
| Current Liabilities | |||||||||
| Account Payables | 56.4 | 69.0 | 74.1 | 83.0 | 96.5 | 60.9 | 13.3 | 2.3 | 0.1 |
| Short-Term Debt | 0 | 0 | 94.4 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue | 5.4 | 13.5 | 2.6 | 1.5 | 0 | 0 | 0 | (0.1) | 0 |
| Other Current Liabilities | 28.0 | 0 | 0 | 0 | 8.0 | 6.7 | 1.7 | 0.1 | 0.0 |
| Total Current Liabilities | 89.8 | 105.7 | 187.3 | 99.2 | 107.6 | 68.4 | 15.6 | 2.9 | 0.2 |
| Non-Current Liabilities | |||||||||
| Long-Term Debt | 140.7 | 104.0 | 0.2 | 64.0 | 78.0 | 1.5 | 0.8 | 4.4 | 0 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0.0 | 2.1 | 0.5 | 0 | 44.3 | 20.9 | 0 | 0 |
| Total Non-Current Liabilities | 140.7 | 104.9 | 3.3 | 64.5 | 78.1 | 45.8 | 21.6 | 4.4 | 0 |
| Total Liabilities | 230.4 | 210.5 | 190.6 | 163.7 | 185.6 | 114.2 | 37.2 | 7.2 | 0.2 |
| Stockholders' Equity | |||||||||
| Common Stock | 194.9 | 0.0 | 0.0 | 0.0 | 164.6 | 111.7 | 51.1 | 0.0 | 0.0 |
| Retained Earnings | (0.3) | (89.8) | (157.5) | (165.5) | (126.8) | (51.7) | (23.8) | (6.0) | (2.3) |
| Accumulated Other Comprehensive Income | (0.7) | (1.6) | (0.6) | (0.6) | 0 | 0 | 0 | 0 | (0.1) |
| Total Stockholders' Equity | 169.8 | 87.8 | 22.1 | 8.8 | 37.8 | 60.0 | 27.3 | 5.3 | (2.3) |
| Total Liabilities & Equity | 400.2 | 298.4 | 212.6 | 172.6 | 223.4 | 174.1 | 64.5 | 12.5 | (2.1) |
| Debt Metrics | |||||||||
| Total Debt | 140.7 | 104.9 | 95.7 | 64.1 | 78.2 | 1.6 | 1.1 | 4.4 | 0 |
| Net Debt | 76.6 | 31.7 | 28.0 | (4.2) | 1.2 | (82.7) | (33.8) | (2.1) | (0.8) |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||
| Net Income | 133.1 | 78.5 | 7.1 | (38.1) | (75.2) | (32.4) | (13.1) | (4.2) | (1.8) |
| Depreciation & Amortization | 1.4 | 1.0 | 0.9 | 0.8 | 1.4 | 0.8 | 0.2 | 0.1 | 0.0 |
| Stock-Based Compensation | 6.5 | 5.2 | 6.9 | 10.3 | 14.2 | 7.0 | 0 | 0.1 | 0.0 |
| Change in Working Capital | (57.0) | (94.5) | (68.4) | (5.1) | (109.3) | (70.1) | (16.4) | (3.2) | (0.3) |
| Other Non-Cash Items | 122.6 | 67.7 | 27.8 | 40.6 | 96.8 | 69.8 | 9.3 | 4.9 | 1.1 |
| Operating Cash Flow | 209.9 | 40.9 | (25.7) | 8.5 | (72.1) | (24.8) | (19.9) | (6.2) | (0.9) |
| Investing Activities | |||||||||
| Capital Expenditure | (1.5) | (1.5) | (1.4) | (1.0) | (0.7) | (0.4) | (0.1) | (0.4) | (0.0) |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchases of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sales/Maturities of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | (180.9) | (1.4) | (1.3) | (1.0) | (0.7) | (0.3) | 0 | (0.3) | (0.1) |
| Investing Cash Flow | (181.6) | (1.5) | (1.4) | (1.0) | (1.4) | (0.7) | (0.5) | (0.4) | (0.1) |
| Financing Activities | |||||||||
| Net Debt Issuance | 13 | 10 | 30 | (13.8) | 37.6 | 19.8 | 22.4 | 4.5 | 0 |
| Stock Repurchased | (64.7) | (23.6) | (1.7) | (0.4) | (2.7) | (0.6) | 0 | 0 | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | 22.5 | 3.3 | (0.1) | (1.5) | 28.3 | 58.4 | 0 | 8.4 | 0.5 |
| Financing Cash Flow | (25.4) | (10.4) | 28.2 | (15.7) | 63.2 | 77.6 | 50.0 | 12.8 | 0.5 |
| Cash Position | |||||||||
| Net Change in Cash | 4.3 | 27.6 | 1.2 | (9.4) | (10.2) | 52.5 | 29.5 | 6.2 | (0.5) |
| Cash at Beginning | 98.3 | 70.7 | 69.5 | 78.9 | 89.1 | 36.6 | 7.1 | 0.9 | 1.4 |
| Cash at End | 102.6 | 98.3 | 70.7 | 69.5 | 78.9 | 89.1 | 36.6 | 7.1 | 0.9 |
| Free Cash Flow | 208.4 | 39.4 | (27.1) | 7.5 | (72.8) | (25.2) | (20.0) | (6.6) | (0.9) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | 450.3 | 271.1 | 159.4 | 125.6 | 114.8 | 58.8 | 0 | 1.6 | 0.0 |
| Gross Profit | 384.3 | 168.0 | 73.8 | 33.6 | 70.6 | 36.3 | (5.7) | 0.7 | (0.0) |
| Operating Income | 176.8 | 82.2 | 22.2 | (28.4) | (68.7) | (28.1) | (16.6) | (4.0) | (0.8) |
| Net Income | 133.1 | 78.5 | 7.1 | (38.1) | (75.2) | (32.4) | (16.6) | (4.2) | (1.8) |
| EPS (Diluted) | 3.72 | 2.19 | 0.21 | -1.17 | -2.38 | -0.84 | -0.66 | -0.45 | -0.21 |
| Balance Sheet | |||||||||
| Cash & Equivalents | 64.1 | 73.2 | 67.6 | 68.3 | 77.0 | 84.3 | 35.0 | 6.5 | 0.8 |
| Total Assets | 400.2 | 298.4 | 212.6 | 172.6 | 223.4 | 174.1 | 64.5 | 12.5 | 1.2 |
| Total Debt | 140.7 | 104.9 | 95.7 | 64.1 | 78.2 | 1.6 | 1.1 | 4.4 | 0 |
| Stockholders' Equity | 169.8 | 87.8 | 22.1 | 8.8 | 37.8 | 60.0 | 27.3 | 5.3 | (2.3) |
| Cash Flow | |||||||||
| Operating Cash Flow | 209.9 | 40.9 | (25.7) | 8.5 | (72.1) | (24.8) | (19.9) | (6.2) | (0.9) |
| Capital Expenditure | (1.5) | (1.5) | (1.4) | (1.0) | (0.7) | (0.4) | (0.1) | (0.4) | (0.0) |
| Free Cash Flow | 208.4 | 39.4 | (27.1) | 7.5 | (72.8) | (25.2) | (20.0) | (6.6) | (0.9) |