$SEZL
Sezzle Inc.

2024 Q4 Form 10-Q Financial Statement

#000166299124000294 Filed on November 08, 2024

View on sec.gov

Income Statement

Concept 2024 Q4 2024 Q3
Revenue $69.96M
YoY Change 71.28%
Cost Of Revenue $12.76M
YoY Change 28.43%
Gross Profit $57.20M
YoY Change 85.06%
Gross Profit Margin 81.76%
Selling, General & Admin $2.417M
YoY Change 10.66%
% of Gross Profit 4.23%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $233.3K
YoY Change 7.13%
% of Gross Profit 0.41%
Operating Expenses $2.417M
YoY Change 10.66%
Operating Profit $20.84M
YoY Change 289.57%
Interest Expense -$3.328M
YoY Change -180.32%
% of Operating Profit -15.97%
Other Income/Expense, Net $96.06K
YoY Change 559.73%
Pretax Income $17.61M
YoY Change 1243.93%
Income Tax $2.163M
% Of Pretax Income 12.28%
Net Earnings $15.45M
YoY Change 1093.31%
Net Earnings / Revenue 22.08%
Basic Earnings Per Share $2.79
Diluted Earnings Per Share $2.62
COMMON SHARES
Basic Shares Outstanding 5.607M shares 5.600M shares
Diluted Shares Outstanding 5.906M shares

Balance Sheet

Concept 2024 Q4 2024 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $80.06M
YoY Change 22.89%
Cash & Equivalents $80.06M
Short-Term Investments
Other Short-Term Assets $15.75M
YoY Change 144.29%
Inventory
Prepaid Expenses
Receivables $132.8M
Other Receivables $3.823M
Total Short-Term Assets $232.4M
YoY Change 31.91%
LONG-TERM ASSETS
Property, Plant & Equipment $834.1K
YoY Change 401.68%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $347.5K
YoY Change -45.03%
Total Long-Term Assets $20.44M
YoY Change 452.43%
TOTAL ASSETS
Total Short-Term Assets $232.4M
Total Long-Term Assets $20.44M
Total Assets $252.9M
YoY Change 40.56%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $70.45M
YoY Change 3.32%
Accrued Expenses $11.48M
YoY Change 46.5%
Deferred Revenue $4.373M
YoY Change 111.25%
Short-Term Debt $0.00
YoY Change
Long-Term Debt Due $0.00
YoY Change
Total Short-Term Liabilities $96.88M
YoY Change 16.11%
LONG-TERM LIABILITIES
Long-Term Debt $93.94M
YoY Change 24.61%
Other Long-Term Liabilities $59.68K
YoY Change -96.06%
Total Long-Term Liabilities $59.68K
YoY Change -96.06%
TOTAL LIABILITIES
Total Short-Term Liabilities $96.88M
Total Long-Term Liabilities $59.68K
Total Liabilities $191.7M
YoY Change 18.4%
SHAREHOLDERS EQUITY
Retained Earnings -$115.1M
YoY Change -28.24%
Common Stock $2.084K
YoY Change -0.05%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $61.14M
YoY Change
Total Liabilities & Shareholders Equity $252.9M
YoY Change 40.56%

Cashflow Statement

Concept 2024 Q4 2024 Q3
OPERATING ACTIVITIES
Net Income $15.45M
YoY Change 1093.31%
Depreciation, Depletion And Amortization $233.3K
YoY Change 7.13%
Cash From Operating Activities $5.710M
YoY Change -143.42%
INVESTING ACTIVITIES
Capital Expenditures $284.0K
YoY Change -4.74%
Acquisitions
YoY Change
Other Investing Activities
YoY Change
Cash From Investing Activities -$284.0K
YoY Change -4.74%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 18.83M
YoY Change 9.14%
NET CHANGE
Cash From Operating Activities 5.710M
Cash From Investing Activities -284.0K
Cash From Financing Activities 18.83M
Net Change In Cash 24.25M
YoY Change 537.95%
FREE CASH FLOW
Cash From Operating Activities $5.710M
Capital Expenditures $284.0K
Free Cash Flow $5.426M
YoY Change -140.35%

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szl Stock Issued During Period Value Restricted Stock Units Vested In Period
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us-gaap Stock Repurchased During Period Value
StockRepurchasedDuringPeriodValue
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us-gaap Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent
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us-gaap Net Income Loss
NetIncomeLoss
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CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
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CY2023Q4 us-gaap Stockholders Equity
StockholdersEquity
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us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
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us-gaap Stock Issued During Period Value Stock Options Exercised
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us-gaap Stock Issued During Period Value Conversion Of Convertible Securities
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szl Stock Issued During Period Value Restricted Stock Units Vested In Period
StockIssuedDuringPeriodValueRestrictedStockUnitsVestedInPeriod
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szl Stock Issued During Period Value Stock Subscriptions Collectable On Options Exercised
StockIssuedDuringPeriodValueStockSubscriptionsCollectableOnOptionsExercised
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szl Stock Issued During Period Value Stock Subscriptions Collected On Options Exercised
StockIssuedDuringPeriodValueStockSubscriptionsCollectedOnOptionsExercised
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szl Adjustments To Additional Paid In Capital Conversion Of Warrant Liability To Stockholders Equity
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us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
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us-gaap Stock Repurchased During Period Value
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us-gaap Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent
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us-gaap Net Income Loss
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CY2024Q3 us-gaap Stockholders Equity
StockholdersEquity
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CY2023Q2 us-gaap Stockholders Equity
StockholdersEquity
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CY2023Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
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CY2023Q3 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
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CY2023Q3 szl Stock Issued During Period Value Restricted Stock Units Vested In Period
StockIssuedDuringPeriodValueRestrictedStockUnitsVestedInPeriod
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CY2023Q3 us-gaap Stock Repurchased During Period Value
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CY2023Q3 us-gaap Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent
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CY2023Q3 us-gaap Net Income Loss
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CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
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CY2024Q2 us-gaap Stockholders Equity
StockholdersEquity
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CY2024Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
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CY2024Q3 us-gaap Stock Issued During Period Value Stock Options Exercised
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CY2024Q3 us-gaap Stock Issued During Period Value Conversion Of Convertible Securities
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CY2024Q3 szl Stock Issued During Period Value Restricted Stock Units Vested In Period
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CY2024Q3 szl Stock Issued During Period Value Stock Subscriptions Collected On Options Exercised
StockIssuedDuringPeriodValueStockSubscriptionsCollectedOnOptionsExercised
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CY2024Q3 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
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CY2024Q3 us-gaap Stock Repurchased During Period Value
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CY2024Q3 us-gaap Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent
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CY2024Q3 us-gaap Net Income Loss
NetIncomeLoss
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CY2024Q3 us-gaap Stockholders Equity
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us-gaap Net Income Loss
NetIncomeLoss
53155127 usd
us-gaap Net Income Loss
NetIncomeLoss
4158724 usd
us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
707450 usd
us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
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us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
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us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
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us-gaap Provision For Other Credit Losses
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us-gaap Provision For Other Credit Losses
ProvisionForOtherCreditLosses
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us-gaap Share Based Compensation
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3823512 usd
us-gaap Share Based Compensation
ShareBasedCompensation
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us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
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us-gaap Amortization Of Financing Costs
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us-gaap Fair Value Adjustment Of Warrants
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us-gaap Fair Value Adjustment Of Warrants
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us-gaap Impairment Of Long Lived Assets Held For Use
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us-gaap Impairment Of Long Lived Assets Held For Use
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us-gaap Gain Loss On Disposition Of Assets1
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us-gaap Gain Loss On Disposition Of Assets1
GainLossOnDispositionOfAssets1
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us-gaap Gains Losses On Extinguishment Of Debt
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us-gaap Gains Losses On Extinguishment Of Debt
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us-gaap Deferred Income Tax Expense Benefit
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us-gaap Deferred Income Tax Expense Benefit
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us-gaap Increase Decrease In Finance Receivables
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us-gaap Increase Decrease In Finance Receivables
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us-gaap Increase Decrease In Other Receivables
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us-gaap Increase Decrease In Prepaid Deferred Expense And Other Assets
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3122311 usd
us-gaap Increase Decrease In Prepaid Deferred Expense And Other Assets
IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets
23191 usd
us-gaap Increase Decrease In Accounts Payable
IncreaseDecreaseInAccountsPayable
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us-gaap Increase Decrease In Accounts Payable
IncreaseDecreaseInAccountsPayable
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us-gaap Increase Decrease In Other Operating Liabilities
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us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
1166248 usd
us-gaap Increase Decrease In Accrued Liabilities
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us-gaap Increase Decrease In Accrued Liabilities
IncreaseDecreaseInAccruedLiabilities
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us-gaap Increase Decrease In Contract With Customer Liability
IncreaseDecreaseInContractWithCustomerLiability
1729684 usd
us-gaap Increase Decrease In Contract With Customer Liability
IncreaseDecreaseInContractWithCustomerLiability
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us-gaap Increase Decrease In Operating Lease Liability
IncreaseDecreaseInOperatingLeaseLiability
59086 usd
us-gaap Increase Decrease In Operating Lease Liability
IncreaseDecreaseInOperatingLeaseLiability
29667 usd
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
39928625 usd
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
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us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
36063 usd
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
53533 usd
us-gaap Payments To Develop Software
PaymentsToDevelopSoftware
1022087 usd
us-gaap Payments To Develop Software
PaymentsToDevelopSoftware
984176 usd
us-gaap Net Cash Provided By Used In Investing Activities
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-1058150 usd
us-gaap Net Cash Provided By Used In Investing Activities
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us-gaap Proceeds From Lines Of Credit
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74726901 usd
us-gaap Proceeds From Lines Of Credit
ProceedsFromLinesOfCredit
28900000 usd
us-gaap Repayments Of Lines Of Credit
RepaymentsOfLinesOfCredit
74726901 usd
us-gaap Repayments Of Lines Of Credit
RepaymentsOfLinesOfCredit
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us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
1051707 usd
us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
75475 usd
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
1566243 usd
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
26996 usd
szl Proceeds From Collection Of Stock Subscriptions Related To Stock Option Exercises
ProceedsFromCollectionOfStockSubscriptionsRelatedToStockOptionExercises
38848 usd
szl Proceeds From Collection Of Stock Subscriptions Related To Stock Option Exercises
ProceedsFromCollectionOfStockSubscriptionsRelatedToStockOptionExercises
0 usd
us-gaap Proceeds From Warrant Exercises
ProceedsFromWarrantExercises
400741 usd
us-gaap Proceeds From Warrant Exercises
ProceedsFromWarrantExercises
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us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
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us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
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us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
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us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
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us-gaap Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
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us-gaap Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
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us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
17657359 usd
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
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CY2023Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
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CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
69522658 usd
CY2024Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
88343129 usd
CY2023Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
66812698 usd
us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
0 usd
us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
1059263 usd
szl Noncash Or Part Noncash Acquisition Conversion Of Warrant Liabilities To Stockholders Equity
NoncashOrPartNoncashAcquisitionConversionOfWarrantLiabilitiesToStockholdersEquity
2228813 usd
szl Noncash Or Part Noncash Acquisition Conversion Of Warrant Liabilities To Stockholders Equity
NoncashOrPartNoncashAcquisitionConversionOfWarrantLiabilitiesToStockholdersEquity
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us-gaap Interest Paid Net
InterestPaidNet
10476571 usd
us-gaap Interest Paid Net
InterestPaidNet
11859913 usd
us-gaap Income Taxes Paid
IncomeTaxesPaid
3544746 usd
us-gaap Income Taxes Paid
IncomeTaxesPaid
72600 usd
us-gaap Number Of Operating Segments
NumberOfOperatingSegments
1 segment
us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1 segment
us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Reclassifications</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain prior period amounts have been reclassified to conform with the current period presentation format. These reclassifications had no effect on our total assets, net income, or total comprehensive income.</span></div>
CY2024Q3 us-gaap Revenues
Revenues
69957691 usd
CY2023Q3 us-gaap Revenues
Revenues
40844201 usd
us-gaap Revenues
Revenues
172904830 usd
us-gaap Revenues
Revenues
110455297 usd
CY2024Q3 us-gaap Revenue Not From Contract With Customer
RevenueNotFromContractWithCustomer
34402858 usd
CY2024Q3 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
35554833 usd
CY2024Q3 us-gaap Revenues
Revenues
69957691 usd
CY2023Q3 us-gaap Revenue Not From Contract With Customer
RevenueNotFromContractWithCustomer
24663231 usd
CY2023Q3 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
16180970 usd
CY2023Q3 us-gaap Revenues
Revenues
40844201 usd
us-gaap Revenue Not From Contract With Customer
RevenueNotFromContractWithCustomer
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us-gaap Revenue From Contract With Customer Excluding Assessed Tax
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us-gaap Revenues
Revenues
172904830 usd
us-gaap Revenue Not From Contract With Customer
RevenueNotFromContractWithCustomer
72363489 usd
us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
38091808 usd
us-gaap Revenues
Revenues
110455297 usd
CY2024Q3 us-gaap Financing Receivable Deferred Income
FinancingReceivableDeferredIncome
3659424 usd
CY2023Q4 us-gaap Financing Receivable Deferred Income
FinancingReceivableDeferredIncome
3340150 usd
CY2024Q3 us-gaap Revenue Remaining Performance Obligation
RevenueRemainingPerformanceObligation
4373270 usd
CY2023Q4 us-gaap Revenue Remaining Performance Obligation
RevenueRemainingPerformanceObligation
2643230 usd
us-gaap Contract With Customer Liability Revenue Recognized
ContractWithCustomerLiabilityRevenueRecognized
2602536 usd
szl Consumer Installment Payment Plans Number Of Installments
ConsumerInstallmentPaymentPlansNumberOfInstallments
4 installment
szl Financing Receivables Receivables Due Duration
FinancingReceivablesReceivablesDueDuration
P42D
CY2024Q3 szl Number Of Product Segments
NumberOfProductSegments
1 product
CY2024Q3 us-gaap Financing Receivable Before Allowance For Credit Loss And Fee
FinancingReceivableBeforeAllowanceForCreditLossAndFee
155072914 usd
CY2023Q4 us-gaap Financing Receivable Before Allowance For Credit Loss And Fee
FinancingReceivableBeforeAllowanceForCreditLossAndFee
146225832 usd
CY2024Q3 us-gaap Financing Receivable Deferred Income
FinancingReceivableDeferredIncome
3659424 usd
CY2023Q4 us-gaap Financing Receivable Deferred Income
FinancingReceivableDeferredIncome
3340150 usd
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
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CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
142885682 usd
szl Financing Receivable Excluding Accrued Interest Weighted Average Days Outstanding
FinancingReceivableExcludingAccruedInterestWeightedAverageDaysOutstanding
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CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Year One Originated Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear
151403776 usd
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Two Originated Fiscal Year Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear
9714 usd
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
151413490 usd
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Year One Originated Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear
142882717 usd
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Year Two Originated Fiscal Year Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear
2965 usd
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
142885682 usd
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
151413490 usd
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
142885682 usd
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
11786141 usd
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
6494092 usd
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
12253041 usd
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
10223451 usd
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
15402303 usd
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
6676548 usd
us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
30636149 usd
us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
12667346 usd
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
9167620 usd
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
5239171 usd
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
26394129 usd
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
16416612 usd
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
605398 usd
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
666473 usd
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
2131161 usd
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
3002334 usd
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
18626222 usd
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
8597942 usd
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
18626222 usd
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
8597942 usd
us-gaap Financing Receivable Excluding Accrued Interest Year One Originated Current Fiscal Year Writeoff
FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff
13524757 usd
us-gaap Financing Receivable Excluding Accrued Interest Year Two Originated Fiscal Year Before Current Fiscal Year Writeoff
FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff
12861272 usd
us-gaap Financing Receivable Excluding Accrued Interest Year Three Originated Two Years Before Current Fiscal Year Writeoff
FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff
6753 usd
us-gaap Financing Receivable Excluding Accrued Interest Year Four Originated Three Years Before Current Fiscal Year Writeoff
FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff
1347 usd
us-gaap Financing Receivable Excluding Accrued Interest Year Five Originated Four Years Before Current Fiscal Year Writeoff
FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff
0 usd
us-gaap Financing Receivable Excluding Accrued Interest Revolving Writeoff
FinancingReceivableExcludingAccruedInterestRevolvingWriteoff
26394129 usd
szl Financing Receivable Excluding Accrued Interest Year One Originated Current Fiscal Year Recoveries
FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearRecoveries
197490 usd
szl Financing Receivable Excluding Accrued Interest Year Two Originated Fiscal Year Before Current Fiscal Year Recoveries
FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries
1195333 usd
szl Financing Receivable Excluding Accrued Interest Year Three Originated Two Years Before Current Fiscal Year Recoveries
FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries
350355 usd
szl Financing Receivable Excluding Accrued Interest Year Four Originated Three Years Before Current Fiscal Year Recoveries
FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries
295203 usd
szl Financing Receivable Excluding Accrued Interest Year Five Originated Four Years Before Current Fiscal Year Recoveries
FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries
92780 usd
szl Financing Receivable Excluding Accrued Interest Revolving Recoveries
FinancingReceivableExcludingAccruedInterestRevolvingRecoveries
2131161 usd
szl Financing Receivable Excluding Accrued Interest Year One Originated Current Fiscal Year Write Off Recoveries Net
FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet
13327267 usd
szl Financing Receivable Excluding Accrued Interest Year Two Originated Fiscal Year Before Current Fiscal Year Write Off Recoveries Net
FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet
11665939 usd
szl Financing Receivable Excluding Accrued Interest Year Three Originated Two Years Before Current Fiscal Year Write Off Recoveries Net
FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet
-343602 usd
szl Financing Receivable Excluding Accrued Interest Year Four Originated Three Years Before Current Fiscal Year Write Off Recoveries Net
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szl Financing Receivable Excluding Accrued Interest Year Five Originated Four Years Before Current Fiscal Year Write Off Recoveries Net
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szl Financing Receivable Excluding Accrued Interest Revolving Write Off Recoveries Net
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24262968 usd
CY2024Q3 us-gaap Other Receivables Net Current
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3823280 usd
CY2023Q4 us-gaap Other Receivables Net Current
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CY2022Q4 szl Class Of Warrant Or Right Warrant Liabilities Noncurrent
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szl Class Of Warrant Or Right Exercised
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szl Class Of Warrant Or Right Shares Withheld To Cover The Exercise Price
ClassOfWarrantOrRightSharesWithheldToCoverTheExercisePrice
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CY2024Q3 us-gaap Class Of Warrant Or Right Outstanding
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szl Class Of Warrant Or Right Cancelled
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CY2024Q3 szl Loan And Receivables Sale Agreement And Marketing And Servicing Agreement Term
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P5Y
CY2024Q3 us-gaap Income Tax Expense Benefit
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2162989 usd
CY2023Q3 us-gaap Income Tax Expense Benefit
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us-gaap Income Tax Expense Benefit
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us-gaap Income Tax Expense Benefit
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CY2024Q3 us-gaap Deferred Tax Assets Valuation Allowance
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CY2023Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
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CY2024Q3 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Amount
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CY2024Q3 us-gaap Net Income Loss
NetIncomeLoss
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CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Net Income Loss
NetIncomeLoss
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CY2024Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
5545353 shares
CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
5667430 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
5620754 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
5576233 shares
CY2024Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
5905833 shares
CY2023Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
5729665 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
5948131 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
5651221 shares
CY2024Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.79
CY2023Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.23
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
9.46
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.75
CY2024Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.62
CY2023Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.23
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
8.94
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.74
CY2024Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
42033 shares
CY2023Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
564802 shares
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
43739 shares
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
442847 shares
CY2024Q3 ecd Non Rule10b51 Arr Adopted Flag
NonRule10b51ArrAdoptedFlag
false
CY2024Q3 ecd Non Rule10b51 Arr Trmntd Flag
NonRule10b51ArrTrmntdFlag
false

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