Added to YB: 2025-06-10
Pitch date: 2025-06-08
SEZL [bearish]
Sezzle Inc.
-32.84%
current return
Author Info
No bio for this author
Company Info
Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada. The company offers Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; Pay-in-five which allows eligible consumers to pay a fifth of the purchase price up front, and then another four installments every two weeks; Pay-in-Two, which allow consumer to pay half of the value of their order up-front and the second half in two weeks; and other alternative installment options.
Market Cap
$3.8B
Pitch Price
$134.79
Price Target
N/A
Dividend
N/A
EV/EBITDA
13.37
P/E
27.07
EV/Sales
7.97
Sector
Financial Services
Category
N/A
High Risk, Low Reserves: Why Sezzle’s BNPL Model May Be Built to Fail
SEZL short: Subprime BNPL lender targeting credit-starved consumers post-bankruptcy. Revenue driven by $17.99/mo subscription fee to access merchants with no direct partnerships. Inexperienced management, questionable accounting (Baker Tilly sanctioned), 3 board resignations in 2024. Unsustainable growth via promotional credits. Zero institutional investors, 1/3 shares on loan. Likely $0 on economic downturn.
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