NASDAQ$SEZL

Sezzle Inc · Q4 2023 earnings

Q4 2023 earnings · · Investor relations

Briefing

Sezzle's Q4 2023 earnings reflected strong growth and profitability improvements.

Sezzle reported a strong Q4 2023, marked by substantial growth in revenue and significant improvements in profitability. The company demonstrated effective cost management and strategic growth initiatives, positioning it for continued success.

  • Sezzle achieved record transaction volume and revenue during the quarter.
  • The company made significant strides in improving its net income and operating income.
  • Sezzle focused on efficient cost management, contributing to enhanced profitability.
  • Strategic growth initiatives drove increased user engagement and merchant partnerships.

Headline financials

Total Revenue

$48.9M

Previous: $38.3M+27.8%
EPS (adj)

$0.52

Previous: $0.38+36.8%
Total Operating Expenses

$41.2M

No prior period
Rev Less Transaction Costs

$20.8M

No prior period
Adjusted EBITDA

$7.76M

No prior period
Adjusted Net Income

$2.59M

No prior period
Capital Expenditures

-$328K

Previous: $39.8K-923.2%
Net Income

$5.1M

Previous: -$18.7M+127.3%
Operating Income

$7.4M

Previous: -$17.5M+142.3%
Gross Profit

$23.2M

Previous: $12.8M+81.3%
Stock-Based Comp

$1.02M

Previous: $2.1M-51.5%

Revenue & EPS history

Sezzle · Revenue · Quarterly

$48.9M

Q4 2023+27.8%vs Q4 2022
Beat estimate in 12 of 14 quarters(86%)
ActualEstimate

Forward guidance

Sezzle anticipates continued growth and profitability improvements in the upcoming periods, driven by strategic initiatives and efficient cost management.

Tailwinds

  • Expected growth in transaction volume and revenue.
  • Further improvements in net income and operating income.
  • Continued focus on efficient cost management.
  • Expansion of merchant partnerships and user engagement.
  • Strategic initiatives driving long-term growth.

Headwinds

  • Potential impacts from changes in consumer spending behavior.
  • Increased competition in the buy now, pay later sector.
  • Regulatory uncertainties affecting financial services.
  • Possible fluctuations in interest rates impacting profitability.
  • Challenges in maintaining credit quality and managing risk.

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 Q4 2023

Historical avgQ4 2023

+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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