Q1 2025 Sezzle Inc Earnings Call Transcript

May 7, 2025 / 09:00 PM GMT

Release Date Price: $52.75 (-4.42%)

Transcript 10-Q8-K

Key Points

Positve

Sezzle Inc (SEZL) reported a 123% year-over-year increase in revenue, driven by a 77% growth in monthly on-demand users and subscribers.
The company achieved a net income of $36.2 million for the quarter, with a net income margin of 34.5%.
Sezzle Inc (SEZL) raised its 2025 net income guidance by almost 50% to $120 million, and EPS guidance from $2.21 to $3.25 per share.
The partnership with Webbank has started to show full benefits, contributing to the company's strong performance.
Sezzle Inc (SEZL) announced a $50 million share repurchase program and completed a 6-for-1 stock split to increase liquidity and appeal to investors.

Negative

Despite strong performance, Sezzle Inc (SEZL) still represents less than 10% of the payments market, indicating significant competition.
The company acknowledges a heightened level of uncertainty in the economy, which could impact consumer sentiment and spending.
Provision for credit losses is expected to trend higher over the remaining quarters of 2025, within a guided range of 2.5% to 3%.
The company is facing seasonal drops in GMV activity, which affects sequential growth metrics.
Sezzle Inc (SEZL) is still in the early stages of rolling out new product enhancements, meaning the full impact on growth may not be realized until later quarters.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SEZL.OQ - Sezzle Inc
Q1 2025 Sezzle Inc Earnings Call
May 07, 2025 / 09:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good afternoon and welcome to the Sizzle Inc. First quarter 2025 earnings conference call. All participants will be listed only mode. Should you need assistance, please sendal conference specialist by person the star key followed by 0.

After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press starting on your telephone keypad.

To withdraw your question, please press start in 2.

Please note this event is being recorded. I like to turn the concert to Charlie Yin, CEO. Please go ahead.

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Unidentified_2 [2]
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