Sezzle Inc. (NASDAQ:SEZL) is one of the stocks that should double in 3 years. On February 28, Sezzle reported earnings for 2025, marked by total revenue growth of 66.1% and a record net income of $133.1 million. For Q4, revenue grew 32.2% year-over-year, supported by an expansion in the company’s Monthly On-Demand and Subscribers/MODS group, which increased by 211,000 members. The company exceeded both the ‘Rule of 40’ and Sezzle’s internal ‘Rule of 100,’ finishing the year with a return on equity exceeding 100%.
The company is evolving from a pure Buy Now, Pay Later provider into an all-in-one financial app. Key drivers include the Earn tab, currently generating over $1 million in monthly revenue, and upcoming features like Sezzle Mobile, which is a cellular plan designed to save consumers money. Sezzle is also integrating proprietary AI to handle high-friction tasks like chargebacks and personalized shopping assistance. This efficiency has allowed Sezzle to scale its purchase frequency to 6.6x per quarter, with repeat usage sitting at nearly 97%.
The CFO noted that Sezzle’s short product duration (averaging 42 days) provides a high-velocity feedback loop that allows for real-time underwriting adjustments. This agility helped keep provision for credit losses stable at 2% of GMV in Q4. For 2026, Sezzle Inc. raised its adjusted EPS guidance to $4.70 and expects total revenue growth of 25% to 30%, totaling approximately $170 million in adjusted net income.
Sezzle Inc. is a technology-enabled payments company that primarily operates in the US and Canada. In addition, the company provides Long-Term Lending through collaboration with third-party lenders and Product Innovation.
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