This company listing is no longer activeThis company may still be operating, however this listing is no longer active. Find out why through their latest events.See Latest EventsSezzle（0SEA）株式概要Operates as a technology-enabled payments company in the United States and Canada. 詳細0SEA ファンダメンタル分析スノーフレーク・スコア評価1/6将来の成長0/6過去の実績2/6財務の健全性2/6配当金0/6報酬今年は黒字化を達成 リスク分析利払いは収益で十分にカバーされない 今後3年間の収益は年平均25.8%減少すると予測されている。 高いレベルの非現金収入 German市場と比較して、過去 3 か月間の株価の変動が非常に大きい+2 さらなるリスクすべてのリスクチェックを見る0SEA Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW475,324 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINRODA475,324 investors already sharing narrativesYour Fair Value€Current Price€14.20116.8% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-65m149m2016201920222025202620282031Revenue US$132.0mEarnings US$4.3mAdvancedSet Fair ValueView all narrativesSezzle Inc. 競合他社ALBIS LeasingSymbol: XTRA:ALGMarket cap: €67.8mClereSymbol: HMSE:CAG0Market cap: €89.1mDF Deutsche ForfaitSymbol: XTRA:DFTKMarket cap: €18.9maifinyoSymbol: XTRA:EBENMarket cap: €14.1m価格と性能株価の高値、安値、推移の概要Sezzle過去の株価現在の株価US$14.2052週高値US$18.3252週安値US$7.85ベータ4.041ヶ月の変化12.70%3ヶ月変化48.69%1年変化5.56%3年間の変化-93.08%5年間の変化n/aIPOからの変化-71.07%最新ニュースお知らせ • Jul 26Sezzle Inc. to Report Q2, 2024 Results on Aug 07, 2024Sezzle Inc. announced that they will report Q2, 2024 results After-Market on Aug 07, 2024お知らせ • Jul 17Sezzle Inc. Unveils Spanish-Language Capability on Its BNPL App and CheckoutSezzle Inc. unveiled Spanish-language capability on its BNPL app and checkout, signaling a significant move towards inclusivity for Spanish-speaking users. With over 40 million Spanish-speaking Americans, this endeavor aims to offer accessible financial solutions to this demographic, aligning with Sezzle's mission to financially empower the next generation. Sezzle acknowledges the importance of catering to diverse consumers and merchants in its dedication to inclusivity. With the United States being the world's second-largest country where Spanish is widely spoken, this demographic holds a pivotal position in Sezzle's focus. Recent data from Sezzle indicates that 22% of its users speak Spanish at home, emphasizing the need for a tailored experience for this segment of its user base. By eliminating language barriers and other financial obstacles, Sezzle seeks to equip Spanish-speaking consumers with the necessary tools to effectively manage their finances, including BNPL services. Sezzle's decision to integrate Spanish language capability into its app comes at a crucial juncture when understanding the financial landscape of the US Spanish-speaking population is imperative. Recent industry insights underscore the persistent challenges in financial inclusion, credit accessibility, and financial literacy within this demographic. Sezzle's Spanish app capability seeks to address these challenges by offering a user-friendly interface and transparent financial solutions tailored to the needs of Spanish-speaking consumers. This initiative empowers them to make informed financial decisions and work towards their long-term financial objectives. By leveraging technology and innovation, Sezzle remains committed to expanding the horizons of financial accessibility, opening doors for all individuals.お知らせ • Jun 28Sezzle Inc. Expands Payment Streaks Program to Canadian UsersSezzle Inc. announced that its innovative Payment Streaks feature is now available to Canadian users. Following its successful launch among U.S. consumers, the excited to bring this feature to Canada, rewarding Sezzle users for consistently making timely payments, promoting financial responsibility and enhancing the overall customer experience. The Payment Streaks program empowers Sezzle users by introducing a gamification approach to responsible payment behaviors. Each successful payment made on or before its scheduled due date contributes to the user's payment Streaks. As users accumulate streak of on-time payments within a rolling 90-day window, they qualify for advancement to higher loyalty tiers. Key Features of Payment Streaks: Streak Accumulation: Each eligible payment (including down payment or installment) that is successfully paid on or before its originally scheduled due date will count as one "streak." Tier Advancement: Users can upgrade to the next loyalty tier after reaching the required streak count within the rolling 90-day window. Retention Flexibility: failed payments sometimes happen. Users can resolve the failed payment within the same day to maintain their existing loyalty tier. Certain payments, such as those that are failed, resolved, rescheduled, or associated with refunded or canceled orders, do not qualify for streak. Payments charged back by banks and long-term financing payments are also included. By participating in the Payment Streaks program, users can enjoy benefits such as entries into monthly giveaways and bonuses for referring friends to Sezzle. Detailed information on tier-specific rewards is available on the Payment Streaks page in the Sezzle app. Payment Streaks is now accessible to both U.S. and Canadian shoppers (with the exception of Quebec) via the Sezzle mobile app. New users are automatically enrolled in Sezzle's Loyalty Tiers program upon creating a Sezzle account or using Sezzle services. Download the Sezzle App on the Apple App Store and Google Play Store.お知らせ • Jun 21Sezzle Inc. (NasdaqCM:SEZL) announces an Equity Buyback for $15 million worth of its shares.Sezzle Inc. (NasdaqCM:SEZL) announces a share repurchase program. Under the program, the company will repurchase up to $15 million worth of its shares.お知らせ • May 10Sezzle Inc. Revises Earnings Guidance for the Fiscal Year 2024Sezzle Inc. revised earnings guidance for the fiscal year 2024. Raising the following components of fiscal year 2024 guidance: GAAP Net Income: $30.0 million versus $20.0 million provided with fourth quarter 2023 earnings, Increasing Total Income Growth: 25% versus 20% provided with fourth quarter 2023 earnings. The company now Including new guidance on GAAP Diluted Earnings per Share of approximately $5.00.お知らせ • May 03Sezzle Inc. Announces the Launch of Payment Streaks, a New Feature Designed to Reward Consumers for Consistent and Timely PaymentsSezzle Inc. announced the launch of Payment Streaks, a new feature designed to reward consumers for consistent and timely payments. Sezzle's free Payment Streaks loyalty tier program enables users to ascend through loyalty tiers by consistently making on-time payments. This initiative underscores Sezzle's commitment to enhancing customer experience and fostering financial responsibility among its user base. The Payment Streaks program empowers Sezzle users by introducing a gamification approach to responsible payment behaviors. Each successful payment made on or before its scheduled due date contributes to the user's payment tiers. Here's how Payment Streaks work: Each eligible payment (including down payment or installment) that is successfully paid on or before its originally scheduled due date will count as one "streak." Users can upgrade to the next loyalty tier after reaching the required streak count within the rolling 90-day window. failed payments sometimes happen. Users can resolve the failed payment within the same day to maintain their existing loyalty tier. Payments ineligible for streak include failed payments, resolved payments, rescheduled payments, payments on refund or canceled orders, payments charged back by banks, and long-term financing payments. The Payment Streaks program offers a range of benefits to users, including entries in monthly giveaways and bonuses for referring friends to Sezzle. To view the specific benefits associated with each loyalty tier, users can navigate to the Payment Streaks page within the Sezzle app's Shop tab and click "Compare Benefits." Payment Streaks are available exclusively to U.S. shoppers through the Sezzle mobile app, and Canada users will gain access to the product later this year. Users are automatically enrolled in Sezzle's Loyalty Tiers program upon opening a Sezzle Account or utilizing Sezzle Services.最新情報をもっと見るRecent updatesお知らせ • Jul 26Sezzle Inc. to Report Q2, 2024 Results on Aug 07, 2024Sezzle Inc. announced that they will report Q2, 2024 results After-Market on Aug 07, 2024お知らせ • Jul 17Sezzle Inc. Unveils Spanish-Language Capability on Its BNPL App and CheckoutSezzle Inc. unveiled Spanish-language capability on its BNPL app and checkout, signaling a significant move towards inclusivity for Spanish-speaking users. With over 40 million Spanish-speaking Americans, this endeavor aims to offer accessible financial solutions to this demographic, aligning with Sezzle's mission to financially empower the next generation. Sezzle acknowledges the importance of catering to diverse consumers and merchants in its dedication to inclusivity. With the United States being the world's second-largest country where Spanish is widely spoken, this demographic holds a pivotal position in Sezzle's focus. Recent data from Sezzle indicates that 22% of its users speak Spanish at home, emphasizing the need for a tailored experience for this segment of its user base. By eliminating language barriers and other financial obstacles, Sezzle seeks to equip Spanish-speaking consumers with the necessary tools to effectively manage their finances, including BNPL services. Sezzle's decision to integrate Spanish language capability into its app comes at a crucial juncture when understanding the financial landscape of the US Spanish-speaking population is imperative. Recent industry insights underscore the persistent challenges in financial inclusion, credit accessibility, and financial literacy within this demographic. Sezzle's Spanish app capability seeks to address these challenges by offering a user-friendly interface and transparent financial solutions tailored to the needs of Spanish-speaking consumers. This initiative empowers them to make informed financial decisions and work towards their long-term financial objectives. By leveraging technology and innovation, Sezzle remains committed to expanding the horizons of financial accessibility, opening doors for all individuals.お知らせ • Jun 28Sezzle Inc. Expands Payment Streaks Program to Canadian UsersSezzle Inc. announced that its innovative Payment Streaks feature is now available to Canadian users. Following its successful launch among U.S. consumers, the excited to bring this feature to Canada, rewarding Sezzle users for consistently making timely payments, promoting financial responsibility and enhancing the overall customer experience. The Payment Streaks program empowers Sezzle users by introducing a gamification approach to responsible payment behaviors. Each successful payment made on or before its scheduled due date contributes to the user's payment Streaks. As users accumulate streak of on-time payments within a rolling 90-day window, they qualify for advancement to higher loyalty tiers. Key Features of Payment Streaks: Streak Accumulation: Each eligible payment (including down payment or installment) that is successfully paid on or before its originally scheduled due date will count as one "streak." Tier Advancement: Users can upgrade to the next loyalty tier after reaching the required streak count within the rolling 90-day window. Retention Flexibility: failed payments sometimes happen. Users can resolve the failed payment within the same day to maintain their existing loyalty tier. Certain payments, such as those that are failed, resolved, rescheduled, or associated with refunded or canceled orders, do not qualify for streak. Payments charged back by banks and long-term financing payments are also included. By participating in the Payment Streaks program, users can enjoy benefits such as entries into monthly giveaways and bonuses for referring friends to Sezzle. Detailed information on tier-specific rewards is available on the Payment Streaks page in the Sezzle app. Payment Streaks is now accessible to both U.S. and Canadian shoppers (with the exception of Quebec) via the Sezzle mobile app. New users are automatically enrolled in Sezzle's Loyalty Tiers program upon creating a Sezzle account or using Sezzle services. Download the Sezzle App on the Apple App Store and Google Play Store.お知らせ • Jun 21Sezzle Inc. (NasdaqCM:SEZL) announces an Equity Buyback for $15 million worth of its shares.Sezzle Inc. (NasdaqCM:SEZL) announces a share repurchase program. Under the program, the company will repurchase up to $15 million worth of its shares.お知らせ • May 10Sezzle Inc. Revises Earnings Guidance for the Fiscal Year 2024Sezzle Inc. revised earnings guidance for the fiscal year 2024. Raising the following components of fiscal year 2024 guidance: GAAP Net Income: $30.0 million versus $20.0 million provided with fourth quarter 2023 earnings, Increasing Total Income Growth: 25% versus 20% provided with fourth quarter 2023 earnings. The company now Including new guidance on GAAP Diluted Earnings per Share of approximately $5.00.お知らせ • May 03Sezzle Inc. Announces the Launch of Payment Streaks, a New Feature Designed to Reward Consumers for Consistent and Timely PaymentsSezzle Inc. announced the launch of Payment Streaks, a new feature designed to reward consumers for consistent and timely payments. Sezzle's free Payment Streaks loyalty tier program enables users to ascend through loyalty tiers by consistently making on-time payments. This initiative underscores Sezzle's commitment to enhancing customer experience and fostering financial responsibility among its user base. The Payment Streaks program empowers Sezzle users by introducing a gamification approach to responsible payment behaviors. Each successful payment made on or before its scheduled due date contributes to the user's payment tiers. Here's how Payment Streaks work: Each eligible payment (including down payment or installment) that is successfully paid on or before its originally scheduled due date will count as one "streak." Users can upgrade to the next loyalty tier after reaching the required streak count within the rolling 90-day window. failed payments sometimes happen. Users can resolve the failed payment within the same day to maintain their existing loyalty tier. Payments ineligible for streak include failed payments, resolved payments, rescheduled payments, payments on refund or canceled orders, payments charged back by banks, and long-term financing payments. The Payment Streaks program offers a range of benefits to users, including entries in monthly giveaways and bonuses for referring friends to Sezzle. To view the specific benefits associated with each loyalty tier, users can navigate to the Payment Streaks page within the Sezzle app's Shop tab and click "Compare Benefits." Payment Streaks are available exclusively to U.S. shoppers through the Sezzle mobile app, and Canada users will gain access to the product later this year. Users are automatically enrolled in Sezzle's Loyalty Tiers program upon opening a Sezzle Account or utilizing Sezzle Services.お知らせ • Apr 10Sezzle Inc. to Report Q1, 2024 Results on May 08, 2024Sezzle Inc. announced that they will report Q1, 2024 results After-Market on May 08, 2024お知らせ • Feb 29Sezzle Inc. Provides Earnings Guidance for the Full Year 2024Sezzle Inc. provided earnings guidance for the full year 2024. For the year, the company expects Net Income of $20.0 million. Total Income YoY Growth of 20%.お知らせ • Feb 16Sezzle Inc. to Report Q4, 2023 Results on Feb 26, 2024Sezzle Inc. announced that they will report Q4, 2023 results After-Market on Feb 26, 2024お知らせ • Feb 09Sezzle Inc Appoints Karen Webster to the Board of DirectorsOn February 5, 2024, the Board of Directors of Sezzle Inc. appointed Karen Webster to the Board of Directors, effective immediately, to fill a vacancy on the Board of Directors. The Board has determined that Ms. Webster qualifies as an “independent” director of the Company in accordance with the listing requirements of NASDAQ. Ms. Webster has been appointed as a member of the Board’s Compensation Committee, Nominating and Corporate Governance Committee, and the Audit and Risk Committee. Ms. Webster is the founder and has served as Chief Executive Officer of What’s Next Media & Analytics LLC since July 2009 and has been a consultant and managing director of Berkeley Research Group, LLC since 2023. Ms. Webster also has been a co-founder and executive of Market Platform Dynamics LLC since 2004. Ms. Webster has a Master of Science in Strategy/Marketing from Johns Hopkins University. Ms. Webster will receive the standard compensation package payable to non-employee directors of the Board. Ms. Webster will be paid annual retainer of $60,000, and a total of $15,000 for her services on the Board’s committees. In addition, Ms. Webster will be granted a non-employee director grant of restricted stock units having a cumulative value of approximately $46,000 (using a Black Scholes valuation) on April 1, 2024. The restricted stock units will vest 100% after a year of her continued service on the Board. Ms. Webster will also enter into the Company’s standard form of directors’ indemnification agreement, pursuant to which the Company agrees to indemnify its directors and advance certain expenses related thereto to the fullest extent permitted by applicable law in connection with their director services, subject to certain terms and conditions as described in the indemnification agreement.お知らせ • Jan 30Sezzle Inc. CDI representing 1 CDI to 1 Share to Be Deleted from OTC EquitySezzle Inc. CHESS Depositary Interest representing 1 CDI to 1 Share will be deleted from OTC Equity effective January 30, 2024, due to Conversion /Reclassification.お知らせ • Jan 15Sezzle Inc.(ASX:SZL) dropped from S&P/ASX Emerging Companies IndexSezzle Inc.(ASX:SZL) dropped from S&P/ASX Emerging Companies IndexValuation Update With 7 Day Price Move • Jan 09Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €15.20, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 10x in the Diversified Financial industry in Germany. Total loss to shareholders of 90% over the past three years.お知らせ • Dec 22Sezzle Inc. (ASX:SZL) announces an Equity Buyback for $5 million worth of its shares.Sezzle Inc. (ASX:SZL) announces a share repurchase program. Under the program, the company will repurchase up to $5 million worth of its shares. The program is valid for 12 months period.Valuation Update With 7 Day Price Move • Dec 09Investor sentiment improves as stock rises 19%After last week's 19% share price gain to €9.60, the stock trades at a forward P/E ratio of 3x. Average forward P/E is 10x in the Diversified Financial industry in Germany. Total loss to shareholders of 93% over the past three years.Recent Insider Transactions • Nov 18Co-Founder recently bought €378k worth of stockOn the 16th of November, Charles Youakim bought around 37k shares on-market at roughly €10.11 per share. This transaction amounted to 9.2% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Charles' only on-market trade for the last 12 months.Reported Earnings • Nov 10Third quarter 2023 earnings released: EPS: US$0.23 (vs US$0.80 in 3Q 2022)Third quarter 2023 results: EPS: US$0.23 (down from US$0.80 in 3Q 2022). Revenue: US$40.8m (up 34% from 3Q 2022). Net income: US$1.29m (down 70% from 3Q 2022). Profit margin: 3.2% (down from 14% in 3Q 2022). Revenue is expected to decline by 1.3% p.a. on average during the next 3 years, while revenues in the Diversified Financial industry in Germany are expected to grow by 10%. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has fallen by 61% per year, which means it is significantly lagging earnings.Valuation Update With 7 Day Price Move • Nov 02Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €7.90, the stock trades at a forward P/E ratio of 3x. Average forward P/E is 11x in the Diversified Financial industry in Germany. Total loss to shareholders of 95% over the past three years.Valuation Update With 7 Day Price Move • Oct 10Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €10.10, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 11x in the Diversified Financial industry in Germany. Total loss to shareholders of 19% over the past year.New Risk • Sep 27New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 3.8% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (18% average weekly change). Earnings are forecast to decline by an average of 27% per year for the foreseeable future. Minor Risks Large one-off items impacting financial results. Shareholders have been diluted in the past year (3.8% increase in shares outstanding). Market cap is less than US$100m (€70.7m market cap, or US$74.3m).Valuation Update With 7 Day Price Move • Sep 15Investor sentiment improves as stock rises 26%After last week's 26% share price gain to €12.20, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 11x in the Diversified Financial industry in Europe. Total loss to shareholders of 15% over the past year.Valuation Update With 7 Day Price Move • Aug 21Investor sentiment improves as stock rises 18%After last week's 18% share price gain to €12.60, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 10x in the Diversified Financial industry in Europe. Total loss to shareholders of 34% over the past year.New Risk • Aug 20New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 27% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (11% average weekly change). Earnings are forecast to decline by an average of 27% per year for the foreseeable future. Minor Risks Large one-off items impacting financial results. Market cap is less than US$100m (€71.4m market cap, or US$77.6m).Reported Earnings • Aug 15Second quarter 2023 earnings released: EPS: US$0.20 (vs US$2.77 loss in 2Q 2022)Second quarter 2023 results: EPS: US$0.20 (up from US$2.77 loss in 2Q 2022). Revenue: US$34.9m (up 19% from 2Q 2022). Net income: US$1.14m (up US$16.2m from 2Q 2022). Profit margin: 3.3% (up from net loss in 2Q 2022). Revenue is forecast to stay flat during the next 3 years compared to a 8.7% growth forecast for the Diversified Financial industry in Germany.Board Change • Jul 02Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 10 experienced directors. No highly experienced directors. Independent Non Executive Director Mike Cutter was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Jun 23Sezzle Inc. Announces the Launch of Its New Sezzle Pay Anywhere ProductSezzle Inc. announced the launch of its new Sezzle Pay Anywhere product - a subscription-based service that allows shoppers to use Sezzle's Virtual Card online, in-store, or wherever Visa is accepted. Sezzle fills an important gap in consumers' financial lives, and when used responsibly, it can open doors to opportunities. Only 44% of the US adult population is considered Credit Prime, while the rest are considered Near Prime, Subprime, Unscorable, or even Invisible, making access to financing challenging. With Sezzle Anywhere, consumers are being given additional choice and flexibility in their financial journey. Pay Anywhere is part of Sezzle's commitment to the democratization of financial freedom - granting access to responsible financing for shoppers everywhere, no matter where they stand in their credit journey. Consistent with the Company's efforts as a B Corp, Sezzle adheres to the pillars of Justice, Stewardship, Advancement and Integrity to better serve its stakeholders. Continued product innovation is a key part of Sezzle's commitment To driving change in the name of greater accessibility to under-represented consumers. With an active Anywhere subscription, Sezzle shoppers enjoy all the Sezzle Premium benefits (like priority support and an additional reschedule per order) plus: The ability to use Sezzle to shop online, pay bills, and tap to pay in-store anywhere in the U.S. that accepts VISA with Apple Pay or Google Pay, Earn 1% back in Sezzle Spend on eligible Pay-in-Full transactions; The option to build credit through Sezzle Up.お知らせ • May 17Sezzle Inc. Launches New Pay-In-2 “Buy Now, Pay Later” ProductSezzle Inc. announced the launch of its new Pay-in-2 product, which will provide shoppers more choices at time of payment. The new Pay-in-2 product will give consumers more flexibility while providing a responsible way to pay over time. Shoppers will be able to pay 50% down at the time of purchase and the remaining 50% two weeks later. The Pay-in-2 product will allow Sezzle’s offerings to expand to new categories, including grocery, monthly subscriptions, and other higher frequency categories where splitting into two payments is more sensible than splitting into four payments over six weeks. Offering multiple payment solutions from Sezzle leads to higher approval rates and increased shopper conversions. With the launch of Pay-in-2, Sezzle now offers a full suite of payment options that provides a solution for consumers at every price point. In addition to Pay-in-2, Sezzle offers consumers the ability to Pay-in-4 over six weeks, or in monthly installments up to 48 months. Sezzle is the only BNPL provider to offer all of these payment options in North America. Like Sezzle’s Pay-in-4 solution, Sezzle’s new Pay-in-2 product will allow consumers an opportunity to build their credit scores if they opt-in to Sezzle Up, Sezzle’s credit-builder feature. With the goal of financially empowering the next generation and providing a responsible way to pay, Sezzle reports shoppers’ payment history to the three major credit bureaus, if they have opted-in to the Sezzle Up credit reporting program. Merchants that offer Sezzle will seamlessly have the new Pay-in-2 product enabled through their existing Sezzle integration. There is no additional action required by merchants to begin offering Pay-in-2 to their customers.Reported Earnings • May 17First quarter 2023 earnings released: EPS: US$11.96 (vs US$5.20 loss in 1Q 2022)First quarter 2023 results: EPS: US$11.96 (up from US$5.20 loss in 1Q 2022). Revenue: US$34.7m (up 26% from 1Q 2022). Net income: US$1.72m (up US$29.7m from 1Q 2022). Profit margin: 5.0% (up from net loss in 1Q 2022). Revenue is forecast to grow 5.6% p.a. on average during the next 3 years, compared to a 7.8% growth forecast for the Diversified Financial industry in Germany.お知らせ • May 04Sezzle Inc., Annual General Meeting, Jun 15, 2023Sezzle Inc., Annual General Meeting, Jun 15, 2023, at 10:30 E. Australia Standard Time.Breakeven Date Change • Mar 05Forecast to breakeven in 2025The 4 analysts covering Sezzle expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 42% per year to 2024. The company is expected to make a profit of US$5.85m in 2025. Average annual earnings growth of 85% is required to achieve expected profit on schedule.Reported Earnings • Feb 28Full year 2022 earnings released: US$0.18 loss per share (vs US$0.38 loss in FY 2021)Full year 2022 results: US$0.18 loss per share (improved from US$0.38 loss in FY 2021). Revenue: US$125.6m (up 9.4% from FY 2021). Net loss: US$38.1m (loss narrowed 49% from FY 2021). Revenue is forecast to grow 8.3% p.a. on average during the next 3 years, compared to a 9.6% growth forecast for the IT industry in Germany.お知らせ • Jan 23Sezzle Inc. to Report Q4, 2022 Results on Feb 27, 2023Sezzle Inc. announced that they will report Q4, 2022 results on Feb 27, 2023Reported Earnings • Nov 17Third quarter 2022 earnings released: EPS: US$0.021 (vs US$0.093 loss in 3Q 2021)Third quarter 2022 results: EPS: US$0.021 (up from US$0.093 loss in 3Q 2021). Revenue: US$30.4m (up 6.8% from 3Q 2021). Net income: US$4.34m (up US$23.2m from 3Q 2021). Profit margin: 14% (up from net loss in 3Q 2021). The move to profitability was primarily driven by lower expenses. Revenue is forecast to grow 6.9% p.a. on average during the next 3 years, compared to a 11% growth forecast for the IT industry in Germany. Over the last 3 years on average, earnings per share has fallen by 50% per year but the company’s share price has only fallen by 34% per year, which means it has not declined as severely as earnings.Reported Earnings • May 17First quarter 2022 earnings released: US$0.14 loss per share (vs US$0.058 loss in 1Q 2021)First quarter 2022 results: US$0.14 loss per share (down from US$0.058 loss in 1Q 2021). Revenue: US$27.6m (up 6.2% from 1Q 2021). Net loss: US$28.0m (loss widened 147% from 1Q 2021). Over the next year, revenue is forecast to grow 37%, compared to a 18% growth forecast for the industry in Germany.Reported Earnings • Mar 01Full year 2021 earnings: EPS in line with analyst expectations despite revenue beatFull year 2021 results: US$0.38 loss per share (down from US$0.17 loss in FY 2020). Revenue: US$114.8m (up 95% from FY 2020). Net loss: US$75.2m (loss widened 132% from FY 2020). Revenue exceeded analyst estimates by 3.4%. Over the next year, revenue is forecast to grow 40%, compared to a 15% growth forecast for the industry in Germany.Reported Earnings • Nov 16Third quarter 2021 earnings released: US$0.093 loss per share (vs US$0.062 loss in 3Q 2020)The company reported a mediocre third quarter result with increased losses and weaker control over costs, although revenues improved. Third quarter 2021 results: Revenue: US$28.5m (up 50% from 3Q 2020). Net loss: US$18.8m (loss widened 56% from 3Q 2020).Reported Earnings • Aug 18Second quarter 2021 earnings released: US$0.096 loss per share (vs US$0.021 loss in 2Q 2020)The company reported a decent second quarter result with improved revenues, although losses increased and control over costs was weaker. Second quarter 2021 results: Revenue: US$27.8m (up 121% from 2Q 2020). Net loss: US$19.1m (loss widened 397% from 2Q 2020).Breakeven Date Change • Jun 23No longer forecast to breakevenThe 2 analysts covering Sezzle no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of US$39.1m in 2023. New consensus forecast suggests the company will make a loss of US$20.6m in 2023.Reported Earnings • Apr 02Full year 2020 earnings released: US$0.17 loss per share (vs US$0.12 loss in FY 2019)The company reported a solid full year result with improved revenues and control over costs, although losses increased. Full year 2020 results: Revenue: US$58.8m (up 272% from FY 2019). Net loss: US$32.4m (loss widened 148% from FY 2019).Recent Insider Transactions • Mar 06Independent Non-Executive Director recently sold €267k worth of stockOn the 4th of March, Paul Lahiff sold around 43k shares on-market at roughly €6.27 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €496k more than they bought in the last 12 months.Is New 90 Day High Low • Feb 09New 90-day high: €6.00The company is up 47% from its price of €4.07 on 10 November 2020. The German market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the IT industry, which is down 8.0% over the same period.株主還元0SEADE Diversified FinancialDE 市場7D5.2%0.7%0.2%1Y5.6%-17.5%3.6%株主還元を見る業界別リターン: 0SEA過去 1 年間で-17.5 % の収益を上げたGerman Diversified Financial業界を上回りました。リターン対市場: 0SEA過去 1 年間で3.6 % の収益を上げたGerman市場を上回りました。価格変動Is 0SEA's price volatile compared to industry and market?0SEA volatility0SEA Average Weekly Movement15.8%Diversified Financial Industry Average Movement4.7%Market Average Movement5.2%10% most volatile stocks in DE Market13.0%10% least volatile stocks in DE Market2.7%安定した株価: 0SEAの株価は、 German市場と比較して過去 3 か月間で変動しています。時間の経過による変動: 0SEAの weekly volatility ( 16% ) は過去 1 年間安定していますが、依然としてGermanの株式の 75% よりも高くなっています。会社概要設立従業員CEO（最高経営責任者ウェブサイト2016270Charlie Youakimwww.sezzle.comもっと見るSezzle Inc. 基礎のまとめSezzle の収益と売上を時価総額と比較するとどうか。0SEA 基礎統計学時価総額€73.76m収益（TTM）€4.40m売上高(TTM)€136.62m16.8xPER（株価収益率0.5xP/Sレシオ0SEA は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計0SEA 損益計算書（TTM）収益US$148.73m売上原価US$81.27m売上総利益US$67.46mその他の費用US$62.67m収益US$4.79m直近の収益報告Sep 30, 2023次回決算日該当なし一株当たり利益（EPS）0.84グロス・マージン45.36%純利益率3.22%有利子負債／自己資本比率419.4%0SEA の長期的なパフォーマンスは？過去の実績と比較を見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2024/01/18 06:45終値2024/01/18 00:00収益2023/09/30年間収益2022/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Sezzle Inc. 2 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。12 アナリスト機関Harold GoetschB. Riley Securities, Inc.John MarrinCLSAEdmund Anthony HenningCLSA9 その他のアナリストを表示
お知らせ • Jul 26Sezzle Inc. to Report Q2, 2024 Results on Aug 07, 2024Sezzle Inc. announced that they will report Q2, 2024 results After-Market on Aug 07, 2024
お知らせ • Jul 17Sezzle Inc. Unveils Spanish-Language Capability on Its BNPL App and CheckoutSezzle Inc. unveiled Spanish-language capability on its BNPL app and checkout, signaling a significant move towards inclusivity for Spanish-speaking users. With over 40 million Spanish-speaking Americans, this endeavor aims to offer accessible financial solutions to this demographic, aligning with Sezzle's mission to financially empower the next generation. Sezzle acknowledges the importance of catering to diverse consumers and merchants in its dedication to inclusivity. With the United States being the world's second-largest country where Spanish is widely spoken, this demographic holds a pivotal position in Sezzle's focus. Recent data from Sezzle indicates that 22% of its users speak Spanish at home, emphasizing the need for a tailored experience for this segment of its user base. By eliminating language barriers and other financial obstacles, Sezzle seeks to equip Spanish-speaking consumers with the necessary tools to effectively manage their finances, including BNPL services. Sezzle's decision to integrate Spanish language capability into its app comes at a crucial juncture when understanding the financial landscape of the US Spanish-speaking population is imperative. Recent industry insights underscore the persistent challenges in financial inclusion, credit accessibility, and financial literacy within this demographic. Sezzle's Spanish app capability seeks to address these challenges by offering a user-friendly interface and transparent financial solutions tailored to the needs of Spanish-speaking consumers. This initiative empowers them to make informed financial decisions and work towards their long-term financial objectives. By leveraging technology and innovation, Sezzle remains committed to expanding the horizons of financial accessibility, opening doors for all individuals.
お知らせ • Jun 28Sezzle Inc. Expands Payment Streaks Program to Canadian UsersSezzle Inc. announced that its innovative Payment Streaks feature is now available to Canadian users. Following its successful launch among U.S. consumers, the excited to bring this feature to Canada, rewarding Sezzle users for consistently making timely payments, promoting financial responsibility and enhancing the overall customer experience. The Payment Streaks program empowers Sezzle users by introducing a gamification approach to responsible payment behaviors. Each successful payment made on or before its scheduled due date contributes to the user's payment Streaks. As users accumulate streak of on-time payments within a rolling 90-day window, they qualify for advancement to higher loyalty tiers. Key Features of Payment Streaks: Streak Accumulation: Each eligible payment (including down payment or installment) that is successfully paid on or before its originally scheduled due date will count as one "streak." Tier Advancement: Users can upgrade to the next loyalty tier after reaching the required streak count within the rolling 90-day window. Retention Flexibility: failed payments sometimes happen. Users can resolve the failed payment within the same day to maintain their existing loyalty tier. Certain payments, such as those that are failed, resolved, rescheduled, or associated with refunded or canceled orders, do not qualify for streak. Payments charged back by banks and long-term financing payments are also included. By participating in the Payment Streaks program, users can enjoy benefits such as entries into monthly giveaways and bonuses for referring friends to Sezzle. Detailed information on tier-specific rewards is available on the Payment Streaks page in the Sezzle app. Payment Streaks is now accessible to both U.S. and Canadian shoppers (with the exception of Quebec) via the Sezzle mobile app. New users are automatically enrolled in Sezzle's Loyalty Tiers program upon creating a Sezzle account or using Sezzle services. Download the Sezzle App on the Apple App Store and Google Play Store.
お知らせ • Jun 21Sezzle Inc. (NasdaqCM:SEZL) announces an Equity Buyback for $15 million worth of its shares.Sezzle Inc. (NasdaqCM:SEZL) announces a share repurchase program. Under the program, the company will repurchase up to $15 million worth of its shares.
お知らせ • May 10Sezzle Inc. Revises Earnings Guidance for the Fiscal Year 2024Sezzle Inc. revised earnings guidance for the fiscal year 2024. Raising the following components of fiscal year 2024 guidance: GAAP Net Income: $30.0 million versus $20.0 million provided with fourth quarter 2023 earnings, Increasing Total Income Growth: 25% versus 20% provided with fourth quarter 2023 earnings. The company now Including new guidance on GAAP Diluted Earnings per Share of approximately $5.00.
お知らせ • May 03Sezzle Inc. Announces the Launch of Payment Streaks, a New Feature Designed to Reward Consumers for Consistent and Timely PaymentsSezzle Inc. announced the launch of Payment Streaks, a new feature designed to reward consumers for consistent and timely payments. Sezzle's free Payment Streaks loyalty tier program enables users to ascend through loyalty tiers by consistently making on-time payments. This initiative underscores Sezzle's commitment to enhancing customer experience and fostering financial responsibility among its user base. The Payment Streaks program empowers Sezzle users by introducing a gamification approach to responsible payment behaviors. Each successful payment made on or before its scheduled due date contributes to the user's payment tiers. Here's how Payment Streaks work: Each eligible payment (including down payment or installment) that is successfully paid on or before its originally scheduled due date will count as one "streak." Users can upgrade to the next loyalty tier after reaching the required streak count within the rolling 90-day window. failed payments sometimes happen. Users can resolve the failed payment within the same day to maintain their existing loyalty tier. Payments ineligible for streak include failed payments, resolved payments, rescheduled payments, payments on refund or canceled orders, payments charged back by banks, and long-term financing payments. The Payment Streaks program offers a range of benefits to users, including entries in monthly giveaways and bonuses for referring friends to Sezzle. To view the specific benefits associated with each loyalty tier, users can navigate to the Payment Streaks page within the Sezzle app's Shop tab and click "Compare Benefits." Payment Streaks are available exclusively to U.S. shoppers through the Sezzle mobile app, and Canada users will gain access to the product later this year. Users are automatically enrolled in Sezzle's Loyalty Tiers program upon opening a Sezzle Account or utilizing Sezzle Services.
お知らせ • Jul 26Sezzle Inc. to Report Q2, 2024 Results on Aug 07, 2024Sezzle Inc. announced that they will report Q2, 2024 results After-Market on Aug 07, 2024
お知らせ • Jul 17Sezzle Inc. Unveils Spanish-Language Capability on Its BNPL App and CheckoutSezzle Inc. unveiled Spanish-language capability on its BNPL app and checkout, signaling a significant move towards inclusivity for Spanish-speaking users. With over 40 million Spanish-speaking Americans, this endeavor aims to offer accessible financial solutions to this demographic, aligning with Sezzle's mission to financially empower the next generation. Sezzle acknowledges the importance of catering to diverse consumers and merchants in its dedication to inclusivity. With the United States being the world's second-largest country where Spanish is widely spoken, this demographic holds a pivotal position in Sezzle's focus. Recent data from Sezzle indicates that 22% of its users speak Spanish at home, emphasizing the need for a tailored experience for this segment of its user base. By eliminating language barriers and other financial obstacles, Sezzle seeks to equip Spanish-speaking consumers with the necessary tools to effectively manage their finances, including BNPL services. Sezzle's decision to integrate Spanish language capability into its app comes at a crucial juncture when understanding the financial landscape of the US Spanish-speaking population is imperative. Recent industry insights underscore the persistent challenges in financial inclusion, credit accessibility, and financial literacy within this demographic. Sezzle's Spanish app capability seeks to address these challenges by offering a user-friendly interface and transparent financial solutions tailored to the needs of Spanish-speaking consumers. This initiative empowers them to make informed financial decisions and work towards their long-term financial objectives. By leveraging technology and innovation, Sezzle remains committed to expanding the horizons of financial accessibility, opening doors for all individuals.
お知らせ • Jun 28Sezzle Inc. Expands Payment Streaks Program to Canadian UsersSezzle Inc. announced that its innovative Payment Streaks feature is now available to Canadian users. Following its successful launch among U.S. consumers, the excited to bring this feature to Canada, rewarding Sezzle users for consistently making timely payments, promoting financial responsibility and enhancing the overall customer experience. The Payment Streaks program empowers Sezzle users by introducing a gamification approach to responsible payment behaviors. Each successful payment made on or before its scheduled due date contributes to the user's payment Streaks. As users accumulate streak of on-time payments within a rolling 90-day window, they qualify for advancement to higher loyalty tiers. Key Features of Payment Streaks: Streak Accumulation: Each eligible payment (including down payment or installment) that is successfully paid on or before its originally scheduled due date will count as one "streak." Tier Advancement: Users can upgrade to the next loyalty tier after reaching the required streak count within the rolling 90-day window. Retention Flexibility: failed payments sometimes happen. Users can resolve the failed payment within the same day to maintain their existing loyalty tier. Certain payments, such as those that are failed, resolved, rescheduled, or associated with refunded or canceled orders, do not qualify for streak. Payments charged back by banks and long-term financing payments are also included. By participating in the Payment Streaks program, users can enjoy benefits such as entries into monthly giveaways and bonuses for referring friends to Sezzle. Detailed information on tier-specific rewards is available on the Payment Streaks page in the Sezzle app. Payment Streaks is now accessible to both U.S. and Canadian shoppers (with the exception of Quebec) via the Sezzle mobile app. New users are automatically enrolled in Sezzle's Loyalty Tiers program upon creating a Sezzle account or using Sezzle services. Download the Sezzle App on the Apple App Store and Google Play Store.
お知らせ • Jun 21Sezzle Inc. (NasdaqCM:SEZL) announces an Equity Buyback for $15 million worth of its shares.Sezzle Inc. (NasdaqCM:SEZL) announces a share repurchase program. Under the program, the company will repurchase up to $15 million worth of its shares.
お知らせ • May 10Sezzle Inc. Revises Earnings Guidance for the Fiscal Year 2024Sezzle Inc. revised earnings guidance for the fiscal year 2024. Raising the following components of fiscal year 2024 guidance: GAAP Net Income: $30.0 million versus $20.0 million provided with fourth quarter 2023 earnings, Increasing Total Income Growth: 25% versus 20% provided with fourth quarter 2023 earnings. The company now Including new guidance on GAAP Diluted Earnings per Share of approximately $5.00.
お知らせ • May 03Sezzle Inc. Announces the Launch of Payment Streaks, a New Feature Designed to Reward Consumers for Consistent and Timely PaymentsSezzle Inc. announced the launch of Payment Streaks, a new feature designed to reward consumers for consistent and timely payments. Sezzle's free Payment Streaks loyalty tier program enables users to ascend through loyalty tiers by consistently making on-time payments. This initiative underscores Sezzle's commitment to enhancing customer experience and fostering financial responsibility among its user base. The Payment Streaks program empowers Sezzle users by introducing a gamification approach to responsible payment behaviors. Each successful payment made on or before its scheduled due date contributes to the user's payment tiers. Here's how Payment Streaks work: Each eligible payment (including down payment or installment) that is successfully paid on or before its originally scheduled due date will count as one "streak." Users can upgrade to the next loyalty tier after reaching the required streak count within the rolling 90-day window. failed payments sometimes happen. Users can resolve the failed payment within the same day to maintain their existing loyalty tier. Payments ineligible for streak include failed payments, resolved payments, rescheduled payments, payments on refund or canceled orders, payments charged back by banks, and long-term financing payments. The Payment Streaks program offers a range of benefits to users, including entries in monthly giveaways and bonuses for referring friends to Sezzle. To view the specific benefits associated with each loyalty tier, users can navigate to the Payment Streaks page within the Sezzle app's Shop tab and click "Compare Benefits." Payment Streaks are available exclusively to U.S. shoppers through the Sezzle mobile app, and Canada users will gain access to the product later this year. Users are automatically enrolled in Sezzle's Loyalty Tiers program upon opening a Sezzle Account or utilizing Sezzle Services.
お知らせ • Apr 10Sezzle Inc. to Report Q1, 2024 Results on May 08, 2024Sezzle Inc. announced that they will report Q1, 2024 results After-Market on May 08, 2024
お知らせ • Feb 29Sezzle Inc. Provides Earnings Guidance for the Full Year 2024Sezzle Inc. provided earnings guidance for the full year 2024. For the year, the company expects Net Income of $20.0 million. Total Income YoY Growth of 20%.
お知らせ • Feb 16Sezzle Inc. to Report Q4, 2023 Results on Feb 26, 2024Sezzle Inc. announced that they will report Q4, 2023 results After-Market on Feb 26, 2024
お知らせ • Feb 09Sezzle Inc Appoints Karen Webster to the Board of DirectorsOn February 5, 2024, the Board of Directors of Sezzle Inc. appointed Karen Webster to the Board of Directors, effective immediately, to fill a vacancy on the Board of Directors. The Board has determined that Ms. Webster qualifies as an “independent” director of the Company in accordance with the listing requirements of NASDAQ. Ms. Webster has been appointed as a member of the Board’s Compensation Committee, Nominating and Corporate Governance Committee, and the Audit and Risk Committee. Ms. Webster is the founder and has served as Chief Executive Officer of What’s Next Media & Analytics LLC since July 2009 and has been a consultant and managing director of Berkeley Research Group, LLC since 2023. Ms. Webster also has been a co-founder and executive of Market Platform Dynamics LLC since 2004. Ms. Webster has a Master of Science in Strategy/Marketing from Johns Hopkins University. Ms. Webster will receive the standard compensation package payable to non-employee directors of the Board. Ms. Webster will be paid annual retainer of $60,000, and a total of $15,000 for her services on the Board’s committees. In addition, Ms. Webster will be granted a non-employee director grant of restricted stock units having a cumulative value of approximately $46,000 (using a Black Scholes valuation) on April 1, 2024. The restricted stock units will vest 100% after a year of her continued service on the Board. Ms. Webster will also enter into the Company’s standard form of directors’ indemnification agreement, pursuant to which the Company agrees to indemnify its directors and advance certain expenses related thereto to the fullest extent permitted by applicable law in connection with their director services, subject to certain terms and conditions as described in the indemnification agreement.
お知らせ • Jan 30Sezzle Inc. CDI representing 1 CDI to 1 Share to Be Deleted from OTC EquitySezzle Inc. CHESS Depositary Interest representing 1 CDI to 1 Share will be deleted from OTC Equity effective January 30, 2024, due to Conversion /Reclassification.
お知らせ • Jan 15Sezzle Inc.(ASX:SZL) dropped from S&P/ASX Emerging Companies IndexSezzle Inc.(ASX:SZL) dropped from S&P/ASX Emerging Companies Index
Valuation Update With 7 Day Price Move • Jan 09Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €15.20, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 10x in the Diversified Financial industry in Germany. Total loss to shareholders of 90% over the past three years.
お知らせ • Dec 22Sezzle Inc. (ASX:SZL) announces an Equity Buyback for $5 million worth of its shares.Sezzle Inc. (ASX:SZL) announces a share repurchase program. Under the program, the company will repurchase up to $5 million worth of its shares. The program is valid for 12 months period.
Valuation Update With 7 Day Price Move • Dec 09Investor sentiment improves as stock rises 19%After last week's 19% share price gain to €9.60, the stock trades at a forward P/E ratio of 3x. Average forward P/E is 10x in the Diversified Financial industry in Germany. Total loss to shareholders of 93% over the past three years.
Recent Insider Transactions • Nov 18Co-Founder recently bought €378k worth of stockOn the 16th of November, Charles Youakim bought around 37k shares on-market at roughly €10.11 per share. This transaction amounted to 9.2% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Charles' only on-market trade for the last 12 months.
Reported Earnings • Nov 10Third quarter 2023 earnings released: EPS: US$0.23 (vs US$0.80 in 3Q 2022)Third quarter 2023 results: EPS: US$0.23 (down from US$0.80 in 3Q 2022). Revenue: US$40.8m (up 34% from 3Q 2022). Net income: US$1.29m (down 70% from 3Q 2022). Profit margin: 3.2% (down from 14% in 3Q 2022). Revenue is expected to decline by 1.3% p.a. on average during the next 3 years, while revenues in the Diversified Financial industry in Germany are expected to grow by 10%. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has fallen by 61% per year, which means it is significantly lagging earnings.
Valuation Update With 7 Day Price Move • Nov 02Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €7.90, the stock trades at a forward P/E ratio of 3x. Average forward P/E is 11x in the Diversified Financial industry in Germany. Total loss to shareholders of 95% over the past three years.
Valuation Update With 7 Day Price Move • Oct 10Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €10.10, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 11x in the Diversified Financial industry in Germany. Total loss to shareholders of 19% over the past year.
New Risk • Sep 27New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 3.8% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (18% average weekly change). Earnings are forecast to decline by an average of 27% per year for the foreseeable future. Minor Risks Large one-off items impacting financial results. Shareholders have been diluted in the past year (3.8% increase in shares outstanding). Market cap is less than US$100m (€70.7m market cap, or US$74.3m).
Valuation Update With 7 Day Price Move • Sep 15Investor sentiment improves as stock rises 26%After last week's 26% share price gain to €12.20, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 11x in the Diversified Financial industry in Europe. Total loss to shareholders of 15% over the past year.
Valuation Update With 7 Day Price Move • Aug 21Investor sentiment improves as stock rises 18%After last week's 18% share price gain to €12.60, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 10x in the Diversified Financial industry in Europe. Total loss to shareholders of 34% over the past year.
New Risk • Aug 20New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 27% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (11% average weekly change). Earnings are forecast to decline by an average of 27% per year for the foreseeable future. Minor Risks Large one-off items impacting financial results. Market cap is less than US$100m (€71.4m market cap, or US$77.6m).
Reported Earnings • Aug 15Second quarter 2023 earnings released: EPS: US$0.20 (vs US$2.77 loss in 2Q 2022)Second quarter 2023 results: EPS: US$0.20 (up from US$2.77 loss in 2Q 2022). Revenue: US$34.9m (up 19% from 2Q 2022). Net income: US$1.14m (up US$16.2m from 2Q 2022). Profit margin: 3.3% (up from net loss in 2Q 2022). Revenue is forecast to stay flat during the next 3 years compared to a 8.7% growth forecast for the Diversified Financial industry in Germany.
Board Change • Jul 02Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 10 experienced directors. No highly experienced directors. Independent Non Executive Director Mike Cutter was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Jun 23Sezzle Inc. Announces the Launch of Its New Sezzle Pay Anywhere ProductSezzle Inc. announced the launch of its new Sezzle Pay Anywhere product - a subscription-based service that allows shoppers to use Sezzle's Virtual Card online, in-store, or wherever Visa is accepted. Sezzle fills an important gap in consumers' financial lives, and when used responsibly, it can open doors to opportunities. Only 44% of the US adult population is considered Credit Prime, while the rest are considered Near Prime, Subprime, Unscorable, or even Invisible, making access to financing challenging. With Sezzle Anywhere, consumers are being given additional choice and flexibility in their financial journey. Pay Anywhere is part of Sezzle's commitment to the democratization of financial freedom - granting access to responsible financing for shoppers everywhere, no matter where they stand in their credit journey. Consistent with the Company's efforts as a B Corp, Sezzle adheres to the pillars of Justice, Stewardship, Advancement and Integrity to better serve its stakeholders. Continued product innovation is a key part of Sezzle's commitment To driving change in the name of greater accessibility to under-represented consumers. With an active Anywhere subscription, Sezzle shoppers enjoy all the Sezzle Premium benefits (like priority support and an additional reschedule per order) plus: The ability to use Sezzle to shop online, pay bills, and tap to pay in-store anywhere in the U.S. that accepts VISA with Apple Pay or Google Pay, Earn 1% back in Sezzle Spend on eligible Pay-in-Full transactions; The option to build credit through Sezzle Up.
お知らせ • May 17Sezzle Inc. Launches New Pay-In-2 “Buy Now, Pay Later” ProductSezzle Inc. announced the launch of its new Pay-in-2 product, which will provide shoppers more choices at time of payment. The new Pay-in-2 product will give consumers more flexibility while providing a responsible way to pay over time. Shoppers will be able to pay 50% down at the time of purchase and the remaining 50% two weeks later. The Pay-in-2 product will allow Sezzle’s offerings to expand to new categories, including grocery, monthly subscriptions, and other higher frequency categories where splitting into two payments is more sensible than splitting into four payments over six weeks. Offering multiple payment solutions from Sezzle leads to higher approval rates and increased shopper conversions. With the launch of Pay-in-2, Sezzle now offers a full suite of payment options that provides a solution for consumers at every price point. In addition to Pay-in-2, Sezzle offers consumers the ability to Pay-in-4 over six weeks, or in monthly installments up to 48 months. Sezzle is the only BNPL provider to offer all of these payment options in North America. Like Sezzle’s Pay-in-4 solution, Sezzle’s new Pay-in-2 product will allow consumers an opportunity to build their credit scores if they opt-in to Sezzle Up, Sezzle’s credit-builder feature. With the goal of financially empowering the next generation and providing a responsible way to pay, Sezzle reports shoppers’ payment history to the three major credit bureaus, if they have opted-in to the Sezzle Up credit reporting program. Merchants that offer Sezzle will seamlessly have the new Pay-in-2 product enabled through their existing Sezzle integration. There is no additional action required by merchants to begin offering Pay-in-2 to their customers.
Reported Earnings • May 17First quarter 2023 earnings released: EPS: US$11.96 (vs US$5.20 loss in 1Q 2022)First quarter 2023 results: EPS: US$11.96 (up from US$5.20 loss in 1Q 2022). Revenue: US$34.7m (up 26% from 1Q 2022). Net income: US$1.72m (up US$29.7m from 1Q 2022). Profit margin: 5.0% (up from net loss in 1Q 2022). Revenue is forecast to grow 5.6% p.a. on average during the next 3 years, compared to a 7.8% growth forecast for the Diversified Financial industry in Germany.
お知らせ • May 04Sezzle Inc., Annual General Meeting, Jun 15, 2023Sezzle Inc., Annual General Meeting, Jun 15, 2023, at 10:30 E. Australia Standard Time.
Breakeven Date Change • Mar 05Forecast to breakeven in 2025The 4 analysts covering Sezzle expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 42% per year to 2024. The company is expected to make a profit of US$5.85m in 2025. Average annual earnings growth of 85% is required to achieve expected profit on schedule.
Reported Earnings • Feb 28Full year 2022 earnings released: US$0.18 loss per share (vs US$0.38 loss in FY 2021)Full year 2022 results: US$0.18 loss per share (improved from US$0.38 loss in FY 2021). Revenue: US$125.6m (up 9.4% from FY 2021). Net loss: US$38.1m (loss narrowed 49% from FY 2021). Revenue is forecast to grow 8.3% p.a. on average during the next 3 years, compared to a 9.6% growth forecast for the IT industry in Germany.
お知らせ • Jan 23Sezzle Inc. to Report Q4, 2022 Results on Feb 27, 2023Sezzle Inc. announced that they will report Q4, 2022 results on Feb 27, 2023
Reported Earnings • Nov 17Third quarter 2022 earnings released: EPS: US$0.021 (vs US$0.093 loss in 3Q 2021)Third quarter 2022 results: EPS: US$0.021 (up from US$0.093 loss in 3Q 2021). Revenue: US$30.4m (up 6.8% from 3Q 2021). Net income: US$4.34m (up US$23.2m from 3Q 2021). Profit margin: 14% (up from net loss in 3Q 2021). The move to profitability was primarily driven by lower expenses. Revenue is forecast to grow 6.9% p.a. on average during the next 3 years, compared to a 11% growth forecast for the IT industry in Germany. Over the last 3 years on average, earnings per share has fallen by 50% per year but the company’s share price has only fallen by 34% per year, which means it has not declined as severely as earnings.
Reported Earnings • May 17First quarter 2022 earnings released: US$0.14 loss per share (vs US$0.058 loss in 1Q 2021)First quarter 2022 results: US$0.14 loss per share (down from US$0.058 loss in 1Q 2021). Revenue: US$27.6m (up 6.2% from 1Q 2021). Net loss: US$28.0m (loss widened 147% from 1Q 2021). Over the next year, revenue is forecast to grow 37%, compared to a 18% growth forecast for the industry in Germany.
Reported Earnings • Mar 01Full year 2021 earnings: EPS in line with analyst expectations despite revenue beatFull year 2021 results: US$0.38 loss per share (down from US$0.17 loss in FY 2020). Revenue: US$114.8m (up 95% from FY 2020). Net loss: US$75.2m (loss widened 132% from FY 2020). Revenue exceeded analyst estimates by 3.4%. Over the next year, revenue is forecast to grow 40%, compared to a 15% growth forecast for the industry in Germany.
Reported Earnings • Nov 16Third quarter 2021 earnings released: US$0.093 loss per share (vs US$0.062 loss in 3Q 2020)The company reported a mediocre third quarter result with increased losses and weaker control over costs, although revenues improved. Third quarter 2021 results: Revenue: US$28.5m (up 50% from 3Q 2020). Net loss: US$18.8m (loss widened 56% from 3Q 2020).
Reported Earnings • Aug 18Second quarter 2021 earnings released: US$0.096 loss per share (vs US$0.021 loss in 2Q 2020)The company reported a decent second quarter result with improved revenues, although losses increased and control over costs was weaker. Second quarter 2021 results: Revenue: US$27.8m (up 121% from 2Q 2020). Net loss: US$19.1m (loss widened 397% from 2Q 2020).
Breakeven Date Change • Jun 23No longer forecast to breakevenThe 2 analysts covering Sezzle no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of US$39.1m in 2023. New consensus forecast suggests the company will make a loss of US$20.6m in 2023.
Reported Earnings • Apr 02Full year 2020 earnings released: US$0.17 loss per share (vs US$0.12 loss in FY 2019)The company reported a solid full year result with improved revenues and control over costs, although losses increased. Full year 2020 results: Revenue: US$58.8m (up 272% from FY 2019). Net loss: US$32.4m (loss widened 148% from FY 2019).
Recent Insider Transactions • Mar 06Independent Non-Executive Director recently sold €267k worth of stockOn the 4th of March, Paul Lahiff sold around 43k shares on-market at roughly €6.27 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €496k more than they bought in the last 12 months.
Is New 90 Day High Low • Feb 09New 90-day high: €6.00The company is up 47% from its price of €4.07 on 10 November 2020. The German market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the IT industry, which is down 8.0% over the same period.
