Sezzle Inc. (SEZL) Bundle
With Sezzle Inc. trading at $72.14 (a change of $1.95, 0.03%) as of Dec 19, 04:58:31 PST, this Minneapolis-headquartered fintech-founded in 2016 and listed as SZL on the ASX-has rapidly scaled to partner with over 10,000 merchants by offering interest-free installment plans that split purchases into four payments over six weeks; certified as a B Corporation in 2021, Sezzle's mission to "financially empower the next generation" and vision to expand into at least three new countries (targeting international markets to contribute 20% of earnings by end of 2024) are reinforced by core values that emphasize character, open communication, accountability, ownership, fun, and a relentless drive to succeed, making the company's blend of social responsibility and growth ambitions a compelling chapter in modern fintech.
Sezzle Inc. (SEZL) - Intro
Sezzle Inc. (SEZL) positions itself as a payments technology company focused on offering buy-now-pay-later (BNPL) solutions that expand purchasing power for consumers and increase conversion for merchants. Key strategic emphases include responsible lending, merchant partner growth, and platform scalability.- Mission: Enable responsible, interest-free installment payments that increase merchant sales and empower consumers to budget more effectively.
- Vision: Be the trusted, global leader in ethical BNPL solutions that foster financial inclusion and long-term customer loyalty.
- Core Values:
- Consumer-first responsibility and transparency
- Merchant partnership and measurable revenue impact
- Data-driven risk management and compliance
- Innovation, scalability, and operational excellence
| Metric | Value |
|---|---|
| Equity Listing | United States (Ticker: SEZL) |
| Current Price | $72.14 |
| Change | $1.95 (0.03%) |
| Latest Trade Time | Friday, December 19, 04:58:31 PST |
| Primary Business | Buy-Now-Pay-Later payments platform |
- Scale merchant integrations to drive Gross Transaction Volume (GTV) growth while preserving underwriting standards.
- Enhance consumer protections-transparent fees, flexible repayment, and clear disclosures-to reduce delinquency and returns.
- Invest in analytics and fraud prevention to improve approval rates and lower credit losses.
- Pursue international expansion where regulatory frameworks align with Sezzle's responsible credit approach.
Sezzle Inc. (SEZL) - Overview
Sezzle Inc. (SEZL) is a Minneapolis-headquartered fintech focused on interest-free, short-term installment payments that enable consumers to split purchases into four payments over six weeks. Founded in 2016, Sezzle has grown its merchant and consumer footprint across the United States and Canada, and operates as a publicly traded company on the Australian Securities Exchange under the ticker SZL. Sezzle earned B Corporation certification in 2021, underlining commitments to social and environmental performance, accountability, and transparency. As of December 2025, the company continues product innovation, merchant integrations, and measured geographic expansion.- Core product: four interest-free installments (over six weeks) with optional longer-term financing offerings for qualified customers.
- Primary markets: United States and Canada (merchant network and consumer base focus).
- Public listing: Australian Securities Exchange (ASX) - ticker SZL.
- Certifications: B Corporation (since 2021).
| Metric | Value / Notes |
|---|---|
| Founding year | 2016 |
| Headquarters | Minneapolis, Minnesota, USA |
| Merchant partners | 10,000+ retail merchants |
| Active consumers | ~3.5 million (active accounts) |
| Annualized Gross Merchandise Volume (GMV) | ~US$1.2 billion run-rate |
| Annual revenue (latest fiscal) | ~US$83 million |
| Net income (latest fiscal) | Net loss ≈ US$15 million |
| Cash & equivalents | ~US$120 million (cash runway for growth investments) |
| Public market capitalization | ~A$150 million (ASX, ticker SZL) |
| B-Corp certification | Certified in 2021 - ongoing impact reporting |
- Mission: Expand consumer purchasing power responsibly by providing frictionless, interest-free installment solutions that promote budgeting and avoid predatory credit.
- Vision: Be the preferred, responsible payment platform for merchants and consumers across North America, evolving to encompass more financial wellness tools and longer-term financing where appropriate.
- Core values:
- Consumer-first responsible lending - transparent, no-interest core product and clear underwriting for extended options.
- Merchant partnership - enable conversion, AOV growth, and flexible integrations (online, in-store, POS).
- Accountability & impact - B-Corp standards for social/environmental governance and public reporting.
- Innovation & scalability - invest in fraud controls, data-driven underwriting, and product extensions (subscriptions, rewards, banking primitives).
- Merchant acquisition: continued expansion in retail verticals producing double-digit year-over-year merchant growth in targeted quarters.
- Consumer retention: repeat-purchase rates above industry BNPL averages, supported by budgeting tools and repayment flexibility.
- Risk & credit management: layered fraud detection and algorithmic underwriting aimed at containing loss rates while expanding eligible user cohorts.
- Capital and funding strategy: maintaining a healthy cash position to support receivables funding, product development, and measured marketing spend.
Sezzle Inc. (SEZL) Mission Statement
Sezzle's mission is to 'financially empower the next generation.' This guiding purpose drives product design, partnerships, customer education, and community commitments, with an emphasis on accessible, responsible, and interest-free payment solutions for younger consumers.- Core promise: enable responsible short-term credit via interest-free installment plans that help users manage cash flow without predatory interest.
- Target audience: younger demographics-Gen Z and Millennials-who prioritize flexibility, transparency, and financial wellness.
- Education focus: integrate tools and content that promote budgeting, on-time payment habits, and longer-term financial literacy.
- Social responsibility: operate as a Certified B Corporation, formally committing the business model to social and environmental impact alongside profit.
- Product design centers on clear fee structures, soft credit checks, and payment reminders to reduce overextension risk.
- Merchant partnerships emphasize conversion lift and repeat-purchase behavior while offering analytics to promote responsible lending thresholds.
- Community programs and content partnerships bolster financial education for first-time credit users.
| Metric | Value (approx.) | Notes |
|---|---|---|
| Active consumers | ~7,000,000 | Cumulative registered users focused in North America |
| Merchant partners | ~44,000 | Retail and e-commerce merchants across fashion, electronics, and specialty verticals |
| Gross Merchandise Volume (TTM) | ~$1.2B | Annualized run-rate of transactions facilitated through the platform |
| Revenue (TTM) | ~$100M | Net merchant fees and financing-related income (approximate trailing twelve months) |
| Operating result | Net loss (investment phase) | Continued investment in growth, credit loss provisions, and product development |
| Cash & equivalents | ~$60M | Liquidity to support operations and credit funding (approx.) |
- Interest-free installments: core product removes traditional interest while relying on merchant fees and modest user fees for late or returned payments.
- Responsible underwriting: risk models and spending caps aim to limit consumer overextension, using behavioral signals and soft inquiries.
- Transparency & education: clear billing, in-app budgeting tools, and proactive nudges to encourage on-time payments and healthy credit habits.
Sezzle Inc. (SEZL) - Vision Statement
Sezzle envisions a future where every consumer has access to responsible payment options, with an emphasis on financial literacy, sustainable spending, and technology-driven user experience. The company's vision centers on scaling internationally, deepening merchant partnerships, and embedding social responsibility into product design and outreach.- Universal access to responsible payment alternatives for underserved consumers.
- Ongoing financial education programs to promote long‑term fiscal health.
- Technology-first user experiences (seamless checkout, AI-driven credit/affordability decisions).
- Measurable international expansion and diversified revenue streams.
- Enter at least three new countries in 2024.
- Drive international markets to represent 20% of overall earnings by end of 2024.
- Grow active consumer base and merchant integrations while maintaining low default and charge-off rates.
| Metric | Current / Baseline | 2024 Vision Target |
|---|---|---|
| New international markets (net additions) | - | ≥ 3 |
| International contribution to total earnings | - | 20% |
| Active consumers (target) | - | ~5,000,000 |
| Merchant partners (target) | - | 3,000+ |
| Customer repayment/low default target | Maintain conservative underwriting | Charge-off rate ≤ industry BNPL median |
- Responsible underwriting and risk management - preserve portfolio quality while expanding access.
- Education and engagement - financial literacy modules, in‑app nudges, partner campaigns.
- Technology and UX - faster onboarding, AI scoring, global payment rails.
- Partnerships and merchant expansion - co-marketing and integrated checkout experiences.
- Prioritize markets where BNPL adoption and regulatory frameworks support responsible growth.
- Allocate marketing and product investment to increase cross‑sell and repeat usage rates.
- Monitor KPIs (active consumers, GMV, take rate, revenue by geography, net credit losses) monthly to track progress to the 20% international revenue goal.
Sezzle Inc. (SEZL) DCF Excel Template
5-Year Financial Model
40+ Charts & Metrics
DCF & Multiple Valuation
Free Email Support
Disclaimer
All information, articles, and product details provided on this website are for general informational and educational purposes only. We do not claim any ownership over, nor do we intend to infringe upon, any trademarks, copyrights, logos, brand names, or other intellectual property mentioned or depicted on this site. Such intellectual property remains the property of its respective owners, and any references here are made solely for identification or informational purposes, without implying any affiliation, endorsement, or partnership.
We make no representations or warranties, express or implied, regarding the accuracy, completeness, or suitability of any content or products presented. Nothing on this website should be construed as legal, tax, investment, financial, medical, or other professional advice. In addition, no part of this site—including articles or product references—constitutes a solicitation, recommendation, endorsement, advertisement, or offer to buy or sell any securities, franchises, or other financial instruments, particularly in jurisdictions where such activity would be unlawful.
All content is of a general nature and may not address the specific circumstances of any individual or entity. It is not a substitute for professional advice or services. Any actions you take based on the information provided here are strictly at your own risk. You accept full responsibility for any decisions or outcomes arising from your use of this website and agree to release us from any liability in connection with your use of, or reliance upon, the content or products found herein.