SEZL
BuyPremium GrowerAI neutralSezzle Inc. · Financial Services · United States · $4.5B cap · $65.5M/day traded
$132.12 -5.2% · close 23 Oct · scored 24 Oct
Premium Grower: Strong business with the market behind it, priced at a premium.
Report expected 4 Nov: the next-year EPS estimate has risen 1.6% over the last 14 weeks.
As of 24 Oct 2026, MoatMap's StockRank for Sezzle Inc. (SEZL) is 77/100, ranked against 24,000+ stocks in 35 markets (Quality 85, Value 22, Momentum 65, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Sezzle runs a buy-now-pay-later service and has grown quickly and profitably, reporting record gross merchandise volume in Q2 2026 and raising guidance, while adding merchants such as Gymshark and Debenhams. It is also pursuing a national bank charter, which could lower funding costs. However, the shares had their worst day in a year on cautious second-half guidance, the product faces well-funded competitors (Affirm, Klarna, PayPal) with little switching cost for shoppers, and credit losses can rise quickly if lower-income consumers are squeezed by food and fuel prices.
The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.
ABOUT SEZZLE INC.
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Sezzle Inc. operates a "buy now, pay later" (BNPL) payment platform, enabling consumers to split their online and in-store purchases into interest-free installments. The company competes in the rapidly growing fintech space by offering a transparent payment solution that fosters a network effect between participating merchants and a loyal consumer base seeking flexible payment options.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 125.6M | 159.4M | 271.1M | 450.3M | 53.1% | 531.9M | 609.0M | 757.2M | 29.7% |
| EPS | — | -0.18 | 0.21 | 2.33 | 3.93 | 330.9% | 4.56 | 5.76 | 7.28 | 36.1% |
| Shares | — | 33.6M | 34.2M | 33.7M | 33.8M | +0.5% | 33.8M | — | — | — |
| Debt | — | 64.1M | 95.7M | 104.9M | 140.8M | 30.0% | 122.1M | — | — | — |
| Equity | — | 8.8M | 22.1M | 87.8M | 169.8M | 167.8% | — | — | — | — |
| Op CF | -72.1M | 8.5M | -25.7M | 130.6M | 209.9M | 191.1% | 275.6M | — | — | — |
| Inv CF | — | -1.0M | -1.4M | -91.2M | -181.6M | — | — | — | — | — |
| Fin CF | — | -15.7M | 28.2M | -10.4M | -25.4M | — | — | — | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Swung more than 92% of stocks we rank over the past year (87% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SEZL are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SEZL | Sezzle Inc.(you) | $4.5B | 77 | Buy |
| CACC | Credit Acceptance Corporation | $5.7B | 75 | Buy |
| BFH | Bread Financial Holdings, Inc. | $3.8B | 69 | Buy |
| ECPG | Encore Capital Group, Inc. | $2.1B | 82 | Strong Buy |
| ATLC | Atlanticus Holdings Corporation | $1.3B | 78 | Buy |
| ENVA | Enova International, Inc. | $4.1B | 49 | Hold |
| EZPW | EZCORP, Inc. | $1.8B | 62 | Hold |
| WU | The Western Union Company | $2.0B | 59 | Hold |
| JCAP | Jefferson Capital, Inc. | $1.2B | 83 | Strong Buy |
| OMF | OneMain Holdings, Inc. | $6.4B | 41 | Hold |
Peer medians: ROE 9.6% · P/E 12.3x · Gross margin 100.0%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.