Sezzle Inc.
SEZLNasdaqIndustrials · Services-Business Services, NEC · DE · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $235.9M | $139.4M | $60.6M | $12.0M | $114.8M | $58.8M |
| Operating income | $176.8M | $82.2M | $22.2M | −$28.4M | −$68.7M | −$27.9M |
| Net income | $133.1M | $78.5M | $7.1M | −$38.1M | −$75.2M | −$32.4M |
| Total assets | $400.2M | $298.4M | $212.6M | $172.6M | $223.4M | $174.1M |
| Total liabilities | $230.4M | $210.5M | $190.6M | $163.7M | $185.6M | $114.2M |
| Equity | $169.8M | $87.8M | $22.1M | $8.8M | $37.8M | $60.0M |
| EPS (diluted) | $3.72 | $2.19 | $1.25 | $-7.00 | $-0.38 | $-0.17 |
| Shares out. | 5.6M | 5.6M | 208.3M | 204.4M | 204.2M | 196.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- 74.9%
- Net margin
- 56.4%
- Return on equity
- 78.4%
- Return on assets
- 33.3%
- Return on capital (ROCE)
- 56.9%
- Liabilities / assets
- 57.6%
- Debt / equity
- 1.36×
- Book value / share
- $30.10
- Revenue growth (YoY)
- 69.2%
- Net income growth (YoY)
- 69.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Altman Z″ (distress)
- 8.04safe
- Accruals / assets
- 20.2%high accruals
- Piotroski F-Score
- 7/9strong
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 5 good- High accruals — earnings-quality risk
- Operating margin is positive
- Strong return on equity (>15%)
- Revenue is growing year-over-year
- Positive operating cash flow
- Altman Z″ in the safe zone
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Youakim CharlesActivist (13D)Mar 16, 2026
- Blackrock, Inc.Passive (13G)Jan 21, 2026
- Paradis PaulActivist (13D)Jan 3, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Krause JustinOfficer — SVP FINANCE AND CONTROLLER | May 27, 2026 | Sell | 178 | $113.00 |
| Hunt Bryan CecilDirector | May 15, 2026 | Grant | 935 | $0.00 |
| Sabzivand AminOfficer — Chief Operating Officer | May 15, 2026 | Grant | 45,000 | $0.00 |
| Brehm Kyle M.Director | May 15, 2026 | Grant | 725 | $0.00 |
| Youakim CharlesOfficer — Executive Chairman and CEO | May 15, 2026 | Grant | 28,000 | $0.00 |
| Krause JustinOfficer — SVP FINANCE AND CONTROLLER | May 15, 2026 | Grant | 8,000 | $0.00 |
| East Stephen F.Director | May 15, 2026 | Grant | 725 | $0.00 |
| Paradis PaulOfficer — Director & President | May 15, 2026 | Grant | 20,000 | $0.00 |
| Paradis PaulOfficer — Director & President | May 11, 2026 | Sell | 729 | $100.08 |
| Paradis PaulOfficer — Director & President | May 7, 2026 | Sell | 5,853 | $100.40 |
| Krause JustinOfficer — SVP FINANCE AND CONTROLLER | May 7, 2026 | Sell | 718 | $98.91 |
| Youakim CharlesOfficer — Executive Chairman and CEO | Apr 1, 2026 | Tax withholding | 6,975 | $63.70 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 5.0M | 5.7 | -1.8% |
| Apr 30, 2026 | 5.1M | 8.0 | +8.4% |
| Apr 15, 2026 | 4.7M | 5.7 | +6.5% |
| Mar 31, 2026 | 4.4M | 7.7 | -4.2% |
| Mar 13, 2026 | 4.6M | 7.2 | +1.7% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Regulation FD disclosureMay 13, 2026
- Entered a material agreement · New financial obligation · Regulation FD disclosureMay 12, 2026
- Results of operationsMay 6, 2026
- Results of operationsApr 15, 2026
- Director / officer changeApr 9, 2026
- Changed auditorMar 20, 2026
- Regulation FD disclosureMar 6, 2026
- Results of operations · Prior financials not reliable (restatement)Feb 25, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.