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Sezzle

SEZL Q4 2025 Earnings

Reported Feb 25, 2026 at 4:03 PM ET · SEC Source

Q4 25 EPS

$1.21

BEAT +26.04%

Est. $0.96

Q4 25 Revenue

$129.9M

BEAT +1.79%

Est. $127.6M

vs S&P Since Q4 25

+102.7%

BEATING MARKET

SEZL +109.1% vs S&P +6.4%

Full Year 2025 Results

FY 25 EPS

$3.59

FY 25 Revenue

$450.3M

Market Reaction

Did SEZL Beat Earnings? Q4 2025 Results

Sezzle closed out fiscal 2025 with a blowout fourth quarter, posting diluted EPS of $1.21 against a consensus estimate of $0.96, a beat of 26.04%, as revenue climbed 32.2% year-over-year to $129.87 million, edging past the $127.58 million Wall Street… Read more Sezzle closed out fiscal 2025 with a blowout fourth quarter, posting diluted EPS of $1.21 against a consensus estimate of $0.96, a beat of 26.04%, as revenue climbed 32.2% year-over-year to $129.87 million, edging past the $127.58 million Wall Street had expected. The standout driver was a powerful combination of operating leverage and accelerating consumer engagement, with operating expenses growing just 10.8% against that 32.2% revenue gain, pushing Q4 operating margin to 42.5%, while Gross Merchandise Volume hit a quarterly record of $1.20 billion, up 35.3% year-over-year, fueled by peak holiday demand and rising subscription adoption. Transaction frequency reached 6.6 times per quarter, up from 5.5 times a year ago, reflecting the company's ongoing pivot from a pure buy-now-pay-later provider toward a broader financial ecosystem. B.Riley raised its price target on the stock to $99, citing the strength of the quarter. Looking ahead, management lifted FY2026 adjusted EPS guidance to $4.70 from $4.35, projecting total revenue growth of 25% to 30% and adjusted net income of approximately $170 million.

Key Takeaways

  • • Expansion of subscription offerings (Premium and Anywhere) driving MODS to 918,000
  • • Consumer transaction frequency increased to 6.6x per quarter from 5.5x YoY
  • • App sessions surged 51% YoY by December
  • • Favorable repayment performance and conservative holiday underwriting reduced provision for credit losses to 2.0% of GMV
  • • Operating leverage with expenses growing 10.8% vs revenue growth of 32.2%
  • • Payment processing enhancements and greater ACH adoption for repayments
24/7 Wall St

SEZL YoY Financials

Q4 2025 vs Q4 2024, source: SEC Filings

“Our tenth year as a company was our most transformative yet, as we achieved new highs in our top and bottom-line results while advancing our shopping ecosystem. By prioritizing higher LTV subscribers and scaling our proprietary shopping features, we have created a platform that delivers daily utility to our consumers. This momentum is clear in our performance: Monthly On-Demand and Subscribers reached a record 918,000 and app sessions surged 51% year-over-year by December. As we enter 2026, we are positioned to sustain this quality of earnings, guiding to Adjusted Net Income of $170 million, representing a 31% year-over-year increase in Adjusted Net Income per Diluted Share.”

— Charlie Youakim, Q4 2025 Earnings Press Release

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