Sezzle Inc.

Listed Company

SEZLCIK 0001662991NasdaqLarge AcceleratedServices-Business Services, NecDelawareFY ends Dec 31

Period

FY 2025

Revenue

$450.28M

Net Income

$133.13M

Total Assets

—

Equity

—

Shares Out

33.63M

Op. Cash Flow

$209.91M

SEZL$174.64+24.28% · past yearDBEQ Basic

Daily closing prices

Business

Sezzle Inc. is a digital payments platform providing buy-now-pay-later solutions to consumers and merchants. The company offers flexible short-term installment products (pay-in-four, pay-in-two, pay-in-five, pay-in-full) integrated into merchant checkout flows, as well as subscription services (Sezzle Premium, Sezzle Anywhere) and ancillary features like credit-building (Sezzle Up), earned rewards (Sezzle Spend), and a virtual card. Sezzle generates revenue from merchant processing fees, consumer subscription fees, consumer payment-related fees, and partner interchange, operating primarily in the United States and Canada with a focus on Gen Z and Millennial consumers lacking traditional credit access.

Summary from 10-K filed 2026-02-26

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Total revenue	450	271	159	126	115
Personnel	55	52	46	51	57
Transaction expense	66	51	39	41	43
Third-party technology and data	14	10	8	8	6
Marketing, advertising, and tradeshows	32	10	12	19	9
General and administrative	17	11	—	—	—
Provision for credit losses	89	55	23	29	53
Total operating expenses	273	189	137	154	183
Operating Income	177	82	22	−28	−69
Net interest expense	−14	−14	−16	—	—
Other income, net	123,000	354,000	2	−225,606	−65,145
Fair value adjustment on warrants	0	−1	−455,962	50,424	0
Loss on extinguishment of line of credit	0	−260,000	0	−813,806	−1
Income before taxes	163	67	8	−38	−75
Income tax expense (benefit)	30	−11	611,487	69,447	58,416
Net Income	133	79	7	−38	−75
Foreign currency translation adjustment	900,000	−900,000	−3,025	−1	69,406
Total Comprehensive Income	134	78	7	−39	−75
Basic (in usd per share)	3.93	2.33	1.27	−7	−0.38
Diluted (in usd per share)	3.72	2.19	1.25	−7	−0.38
Basic (in shares)	34	34	6	5	200
Diluted (in shares)	36	36	6	5	200

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents, including amounts held by variable interest entity (VIE) of $25,921 and $30,899, respectively	64	73	68	68	77
Restricted cash, current, including amounts held by VIE of $8,245 and $4,096, respectively	8	5	3	1	2
Notes receivable	283	191	143	104	—
Allowance for credit losses	−29	−26	−12	−10	—
Notes receivable, net, including amounts held by VIE of $237,062 and $152,174, respectively	255	165	131	93	—
Other receivables, net	6	4	2	3	5
Prepaid expenses and other current assets	18	11	6	5	3
Total current assets	352	258	209	170	221
Internally developed intangible assets, net	3	2	2	1	910,584
Operating right-of-use assets	665,000	800,000	994,476	86,715	285,865
Restricted cash, non-current	30	20	82,000	20,000	20,000
Deferred tax asset, net of $0 and $3,742 valuation allowance, respectively	14	17	0	—	—
Other assets	620,000	331,000	625,471	1	233,752
Total Assets	400	298	213	173	223
Merchant accounts payable	56	69	74	83	97
Other payables, including amounts held by VIE of $1,476 and $1,103, respectively	7	7	5	4	3
Deferred revenue	5	4	3	2	0
Other current liabilities	21	25	11	10	8
Total current liabilities	90	106	187	99	108
Operating lease liabilities	661,000	823,000	981,692	0	90,962
Line of credit, net of unamortized debt issuance costs of $1,268 and $1,008, respectively, held by VIE	140	104	0	64	78
Other non-current liabilities	0	45,000	1	0	0
Total Liabilities	230	211	191	164	186
Commitments and Contingencies (see Note 11)	—	—	—	—	—
Common stock and additional paid-in capital, $0.00001 par value; 750,000 shares authorized; 35,130 and 34,786 shares issued, respectively; 33,798 and 33,735 shares outstanding, respectively	195	189	2,085	2,083	2,044
Treasury stock, at cost: 1,332 and 1,051 shares, respectively	−24	−9	−6	−4	−4
Accumulated other comprehensive loss	−683,000	−2	−646,999	−643,974	563,911
Accumulated deficit	−324,000	−90	−158	−165	−127
Total Stockholders' Equity	170	88	22	9	38
Total Liabilities and Stockholders' Equity	400	298	213	173	223

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization	1	965,000	855,803	847,126	749,111
Provision for other credit losses	33	11	3	9	7
Discount on notes receivable	−735,000	460,000	—	—	—
Equity based compensation and restricted stock vested	7	5	7	10	14
Amortization of debt issuance costs	532,000	526,000	732,029	983,745	689,930
Impairment losses on long-lived assets	68,000	48,000	42,247	39,512	5,475
Gain on sale of fixed assets	−21,000	−55,000	25,621	79,683	0
Deferred income taxes	3	−17	0	—	—
Other receivables	−36	−13	−2	−7	−11
Prepaid expenses and other assets	−7	−5	−1	−1	−2
Merchant accounts payable	−13	−4	−9	−13	36
Other payables	−572,000	2	1	1	2
Accrued and other liabilities	−2	13	1	2	7
Deferred revenue	1	2	1	2	0
Operating leases	40,000	74,000	51,933	15,548	−20,124
Net Cash Provided from Operating Activities	210	131	−26	9	−72
Purchases and originations of notes receivable, net of proceeds from repayments	−179	−90	—	—	—
Purchase of property and equipment	−655,000	−70,000	−81,609	−52,236	−686,032
Internally developed intangible asset additions	−2	−1	−1	−955,841	−733,995
Net Cash Used for Investing Activities	−182	−91	−1	−1	−1
Proceeds from line of credit	181	107	55	71	175
Payments to line of credit	−145	−97	−25	−85	−136
Payments of debt issuance costs	−792,000	−1	−128,598	−1	−2
Proceeds from stock option exercises	4	4	26,996	100,370	765,786
Stock subscriptions collected related to stock option exercises	44,000	39,000	0	324,378	246,999
Proceeds from warrant exercises	0	401,000	0	—	—
Repurchase of common stock	−65	−24	−2	−381,434	−3
Net Cash Used for Financing Activities	−25	−10	28	−16	63
Effect of exchange rate changes on cash	1	−1	17,402	−1	98,376
Net increase in cash, cash equivalents, and restricted cash	3	29	1	−8	−10
Conversion of accrued profit-sharing incentive plan liabilities to stockholders' equity	2	0	—	—	—
Conversion of warrant liabilities to stockholders' equity	0	2	—	—	—
Interest paid	15	14	16	8	5
Federal income taxes paid	21	—	—	—	—
State income taxes paid	7	—	—	—	—
Foreign income taxes paid	385,000	—	—	—	—
Total income taxes paid	28	5	452,426	65,395	56,017

Filings

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Frequently asked questions

What is Sezzle Inc.'s CIK number?

Sezzle Inc.'s SEC CIK number is 0001662991 (1662991). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find Sezzle Inc.'s SEC filings?

All of Sezzle Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did Sezzle Inc. last report earnings?

Sezzle Inc. (SEZL) most recently filed an earnings 8-K with the SEC on Jul 14, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001662991-26-000118). This is Sezzle Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is Sezzle Inc.'s most recent earnings 8-K?

Sezzle Inc.'s latest earnings 8-K (Item 2.02) was filed Jul 14, 2026 under accession 0001662991-26-000118. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View Sezzle Inc.'s latest earnings 8-K →
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