NASDAQ$SEZL

Sezzle Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Sezzle reported Q3 2025 total revenue of $116.8M with net income of $26.7M and diluted EPS of $0.75.

Third-quarter total revenue rose to $116.8 million from $70.0 million a year ago as the buy-now-pay-later platform grew merchant and shopper volumes. Net income was $26.7 million and diluted EPS was $0.75 after a 6-for-1 stock split. Nine-month total revenue reached $320.4 million with net income of $90.4 million.

  • Q3 total revenue $116.8M (+67% YoY).
  • Net income $26.7M; diluted EPS $0.75.
  • Nine-month revenue $320.4M; net income $90.4M.
  • Merchant and shopper growth drove transaction volume gains.

Headline financials

Total Revenue

$117M

Previous: $70M+67.0%
EPS (adj)

$0.75

Previous: $2.62-71.4%
Capital Expenditures

-$594K

Previous: -$36.1K-1547.1%
Free Cash Flow

$26.1M

Previous: $15.4M+69.2%
Net Income

$26.7M

Previous: $15.4M+72.7%
Operating Income

$35.6M

Previous: $20.8M+70.6%
Gross Profit

$63.8M

Previous: $49.6M+28.6%

Revenue & EPS history

Sezzle · Revenue · Quarterly

$117M

Q3 2025+67%vs Q3 2024
Beat estimate in 12 of 14 quarters(86%)
ActualEstimate

Forward guidance

The filing discusses Sezzle's outlook for upcoming periods, including capital allocation, operating priorities, and market risks disclosed in the quarterly report.

Tailwinds

  • Sezzle cites operational execution and demand trends supporting the outlook.
  • Balance sheet and capital actions aim to fund growth and shareholder returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 10 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+3.5%

Avg return

Earnings day

+15.0%

Avg return

5 days after

+24.3%

Avg return

30 days after

43%

10 / 23 earnings

Positive

+42.0%

Q1 2025

Best reaction

-14.1%

Q4 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.0%+18.7%+36.1%
Q4 2025+35.2%+17.3%-1.7%
Q3 2025+2.2%-1.2%+17.9%
Q1 2025+42.0%+71.6%+150.4%
Q4 2024+5.1%+14.0%-23.8%
Q3 2024+0.8%+11.5%-19.1%
Q2 2024-1.9%+2.8%+18.9%
Q1 2024-2.6%+5.1%+15.1%
Q4 2023-14.1%+4.1%+18.8%
Q3 2023+8.6%+6.7%+30.0%
Q2 2023+0.0%
Q1 2023+1.9%
Q4 2022+0.0%
Q3 2022+0.0%
Q2 2022+0.0%
Q1 2021+0.0%
Q1 2022+0.0%
Q4 2021-4.9%
Q3 2020+3.3%
Q3 2021+3.3%
Q4 2020+0.0%
Q2 2021+0.0%
Q2 2020+0.0%
Q1 2020
Q4 2019
Q3 2019
Q2 2019
Q1 2019
Q4 2018
Q3 2018
Q2 2018
Q1 2018

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