Financial Snapshot

Revenue
$221.8M
TTM
Gross Margin
77.68%
TTM
Net Earnings
$56.09M
TTM
Current Assets
Q3 2024
Current Liabilities
Q3 2024
Current Ratio
239.91%
Q3 2024
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$61.14M
Q3 2024
Cash
Q3 2024
P/E
36.84
Nov 29, 2024 EST
Free Cash Flow
$23.87M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017
Revenue $159.4M $125.6M $114.8M $58.79M $15.80M $1.632M $29.00K
YoY Change 26.91% 9.37% 95.31% 272.05% 868.21% 5527.59%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017
Revenue $159.4M $125.6M $114.8M $58.79M $15.80M $1.632M $29.00K
Cost Of Revenue $39.21M $40.78M $43.48M $22.49M $7.660M $915.0K $35.00K
Gross Profit $120.1M $84.79M $71.34M $36.30M $8.141M $717.0K -$6.000K
Gross Profit Margin 75.4% 67.53% 62.13% 61.74% 51.52% 43.93% -20.69%

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017
Selling, General & Admin $8.588M $16.41M $15.77M $7.215M $18.63M $940.0K $46.00K
YoY Change -47.67% 4.08% 118.57% -61.28% 1881.94% 1943.48%
% of Gross Profit 7.15% 19.36% 22.1% 19.88% 228.85% 131.1%
Research & Development $2.012M $1.462M $490.0K $517.0K
YoY Change 37.62% 198.37% -5.22%
% of Gross Profit 2.37% 2.05% 1.35% 6.35%
Depreciation & Amortization $855.8K $847.1K $749.1K $428.4K $245.5K $117.0K $19.00K
YoY Change 1.02% 13.08% 74.87% 74.49% 109.83% 515.79%
% of Gross Profit 0.71% 1.0% 1.05% 1.18% 3.02% 16.32%
Operating Expenses $8.588M $18.42M $17.23M $7.705M $19.39M $4.810M $808.0K
YoY Change -53.39% 6.93% 123.64% -60.27% 303.17% 495.3%
Operating Profit $22.20M -$28.43M -$68.68M -$27.93M -$11.25M -$4.093M -$814.0K
YoY Change -178.08% -58.6% 145.89% 148.25% 174.91% 402.83%

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017
Interest Expense $15.97M $8.601M $5.269M $4.303M -$1.798M -$100.0K -$957.0K
YoY Change 85.66% 63.22% 22.45% -339.31% 1698.14% -89.55%
% of Operating Profit 71.93%
Other Income/Expense, Net $1.933M -$225.6K -$65.15K -$126.3K $640.00 -$1.000K
YoY Change -957.0% 246.31% -48.42% -19832.97% -164.0%

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017
Pretax Income $7.710M -$38.02M -$75.11M -$32.36M -$13.05M -$4.194M -$1.771M
YoY Change -120.28% -49.38% 132.09% 147.99% 211.14% 136.82%
Income Tax $611.5K $69.45K $58.42K $30.96K $11.98K $0.00 $0.00
% Of Pretax Income 7.93%
Net Earnings $7.098M -$38.09M -$75.17M -$32.39M -$13.06M -$4.194M -$1.771M
YoY Change -118.63% -49.32% 132.05% 148.0% 211.43% 136.82%
Net Earnings / Revenue 4.45% -30.34% -65.47% -55.1% -82.66% -256.99% -6106.9%
Basic Earnings Per Share $1.27 -$0.18 -$0.38 -$0.17
Diluted Earnings Per Share $1.25 -$0.18 -$0.38 -$0.17 -$117.1K -$23.58K -$9.957K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017
Cash & Short-Term Investments $67.62M $68.28M $76.98M $84.29M $34.97M $6.519M
YoY Change -0.96% -11.31% -8.66% 141.06% 436.36%
Cash & Equivalents $67.62M $68.28M $76.98M $84.29M $34.97M $6.519M
Short-Term Investments
Other Short-Term Assets $9.216M $5.961M $5.236M $6.504M $2.522M $673.0K
YoY Change 54.61% 13.83% -19.49% 157.86% 274.81%
Inventory
Prepaid Expenses
Receivables $130.6M $97.43M $139.2M $84.27M $26.24M $4.931M
Other Receivables $1.572M -$1.536M -$156.8K -$2.055M -$734.1K $33.00K
Total Short-Term Assets $209.0M $170.1M $221.3M $173.0M $62.99M $12.16M
YoY Change 22.87% -23.12% 27.91% 174.64% 418.2%
Property, Plant & Equipment $994.5K $368.3K $948.3K $520.8K $1.002M $76.00K
YoY Change 170.0% -61.16% 82.11% -48.01% 1217.99%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $707.5K $753.9K $253.7K $52.54K $69.17K $42.00K
YoY Change -6.16% 197.11% 382.97% -24.04% 64.69%
Total Long-Term Assets $3.600M $2.445M $2.113M $1.110M $1.551M $379.0K
YoY Change 47.25% 15.73% 90.27% -28.41% 309.22%
Total Assets $212.6M $172.6M $223.4M $174.1M $64.54M $12.54M
YoY Change
Accounts Payable $74.14M $83.02M $96.52M $60.93M $13.28M $2.373M
YoY Change -10.7% -13.98% 58.4% 358.68% 459.82%
Accrued Expenses $10.85M $10.53M $8.169M $6.824M $2.060M $457.0K
YoY Change 3.03% 28.88% 19.71% 231.32% 350.66%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due $94.38M $0.00
YoY Change
Total Short-Term Liabilities $187.3M $99.19M $107.6M $68.37M $15.61M $2.831M
YoY Change 88.79% -7.78% 57.31% 337.95% 451.47%
Long-Term Debt $250.0K $64.03M $77.96M $41.30M $21.11M $4.384M
YoY Change -99.61% -17.87% 88.78% 95.63% 381.5%
Other Long-Term Liabilities $3.032M $511.3K $90.96K $4.483M $500.1K -$1.000K
YoY Change 493.05% 462.12% -97.97% 796.38% -50113.0%
Total Long-Term Liabilities $3.282M $64.54M $78.05M $45.78M $21.61M $4.383M
YoY Change -94.91% -17.31% 70.5% 111.85% 393.03%
Total Liabilities $190.6M $163.7M $185.6M $114.2M $37.22M $7.214M
YoY Change 16.38% -11.79% 62.6% 206.69% 415.96%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017
Basic Shares Outstanding 5.606M shares 206.9M shares 200.3M shares 186.8M shares
Diluted Shares Outstanding 5.679M shares 206.9M shares 200.3M shares 186.8M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $2.0665 Billion

About Sezzle Inc.

Sezzle, Inc. engages in the operation of a payment platform that enables bank-to-bank transfer of money between consumers and businesses. The company is headquartered in Minneapolis, Minnesota and currently employs 251 full-time employees. The company went IPO on 2019-07-30. The Company’s payment platform increases the purchasing power of consumers by offering interest-free installment plans at online stores and select in-store locations. Its payment options allow consumers to take control over their spending. Its digital payments platform allows merchants to offer their consumers a flexible alternative to traditional credit. Its Sezzle Platform offers a payments solution for consumers that instantly 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. The Sezzle Platform flagship product, pay-in-four, 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. Its Sezzle Virtual Card allows consumers to access the Sezzle Platform in the form of close-end installment loans and shop with merchants.

Industry: Services-Business Services, NEC Peers: Paysign, Inc. BlueOne Card, Inc. CANTALOUPE, INC. Steel Connect, Inc. INNODATA INC Priority Technology Holdings, Inc. REGO PAYMENT ARCHITECTURES, INC. Startek, Inc. VISA INC.