This company listing is no longer activeThis company may still be operating, however this listing is no longer active.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) 주식 개요Operates as a technology-enabled payments company in the United States and Canada. 자세히 보기0SEA 펀더멘털 분석스노우플레이크 점수가치 평가1/6미래 성장0/6과거 실적2/6재무 건전성2/6배당0/6강점올해부터 흑자전환위험 분석이자 지급액이 수익으로 잘 충당되지 않음향후 3년 동안 수익이 연평균 25.8% 감소할 것으로 예상됩니다.높은 수준의 비현금 수입지난 3개월 동안 주가 변동성이 German 시장과 비교했을 때 매우 높았습니다.+ 위험 2건 추가모든 위험 점검 보기0SEA Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW501,452 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 NarrativeBLINROAG501,452 investors already sharing narrativesYour Fair Value€Current Price€14.20116.8% 고평가 내재 할인율Growth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-65m149m2016201920222025202620282031Revenue US$132.0mEarnings US$4.3mAdvancedSet Fair ValueView all narrativesSezzle Inc. 경쟁사ALBIS LeasingSymbol: XTRA:ALGMarket cap: €59.3mClereSymbol: HMSE:CAG0Market cap: €87.0mDF Deutsche ForfaitSymbol: XTRA:DFTKMarket cap: €20.1maifinyoSymbol: XTRA:EBENMarket cap: €14.1m가격 이력 및 성과Sezzle 주가의 최고가, 최저가 및 변동 요약과거 주가현재 주가US$14.2052주 최고가US$18.3252주 최저가US$7.85베타4.041개월 변동12.70%3개월 변동48.69%1년 변동5.56%3년 변동-93.08%5년 변동n/aIPO 이후 변동-71.07%최근 뉴스 및 업데이트공시 • 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, 2024공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.더 많은 업데이트 보기Recent updates공시 • 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, 2024공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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, 2024공시 • 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%.공시 • 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, 2024공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.주주 수익률0SEADE Diversified FinancialDE 시장7D5.2%-2.9%2.0%1Y5.6%-23.4%1.2%전체 주주 수익률 보기수익률 대 산업: 0SEA은 지난 1년 동안 -23.4%의 수익을 기록한 German Diversified Financial 산업보다 더 좋은 성과를 냈습니다.수익률 대 시장: 0SEA은 지난 1년 동안 1.2%를 기록한 German 시장보다 더 좋은 성과를 냈습니다.주가 변동성Is 0SEA's price volatile compared to industry and market?0SEA volatility0SEA Average Weekly Movement15.8%Diversified Financial Industry Average Movement4.5%Market Average Movement5.5%10% most volatile stocks in DE Market12.6%10% least volatile stocks in DE Market2.8%안정적인 주가: 0SEA의 주가는 지난 3개월 동안 German 시장보다 변동성이 컸습니다.시간에 따른 변동성: 0SEA의 주간 변동성(16%)은 지난 1년 동안 안정적이었지만 German 종목 중 상위 75%보다 높습니다.회사 소개설립직원 수CEO웹사이트2016270Charlie Youakimwww.sezzle.com더 보기Sezzle Inc. 기초 지표 요약Sezzle의 순이익과 매출은 시가총액과 어떻게 비교됩니까?0SEA 기초 통계시가총액€73.76m순이익 (TTM)€4.40m매출 (TTM)€136.62m16.8x주가수익비율(P/E)0.5x주가매출비율(P/S)0SEA는 고평가되어 있습니까?공정 가치 및 평가 분석 보기순이익 및 매출최근 실적 보고서(TTM)의 주요 수익성 지표0SEA 손익계산서 (TTM)매출US$148.73m매출원가US$81.27m총이익US$67.46m기타 비용US$62.67m순이익US$4.79m최근 보고된 실적Sep 30, 2023다음 실적 발표일해당 없음주당순이익(EPS)0.84총이익률45.36%순이익률3.22%부채/자본 비율419.4%0SEA의 장기 실적은 어땠습니까?과거 실적 및 비교 보기View Valuation기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2024/01/18 06:51종가2024/01/18 00:00수익2023/09/30연간 수익2022/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 세부 정보는 당사의 Github 페이지에서 확인하실 수 있으며, 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Sezzle Inc.는 12명의 분석가가 다루고 있습니다. 이 중 2명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Harold GoetschB. Riley Securities, Inc.John MarrinCLSAEdmund Anthony HenningCLSA9명의 분석가 더 보기
공시 • 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
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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
공시 • 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%.
공시 • 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
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
