Sezzle Inc.
Financials · Consumer Finance
Sezzle is a rare profitable BNPL operator (30%+ net margins) in a space where most peers burned cash for years. Its lean cost structure, merchant-fee-driven model, and capital-light balance sheet produce strong FCF. With macro tailwinds in installment credit adoption and an AI-software bubble allocation suggesting fintech sentiment, SEZL trades at a reasonable 24x P/E for a high-growth profitable fintech.
Analyst consensus is BUY with 6 covering analysts.
BNPL is a commoditized and increasingly regulated space; Apple Pay Later, Affirm, and Klarna all compete for the same checkout real estate. Credit losses can spike in a consumer slowdown. 5x leaves little margin of safety if growth decelerates.
Small float (~$4B market cap) means high volatility and limited institutional liquidity.
No major news in the last 7 days for SEZL - only listicles and opinion pieces, which we filter out by default. See everything anyway.
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