Q2 2025 Sezzle Inc Earnings Call Transcript

Aug 7, 2025 / 09:00 PM GMT

Release Date Price: $139.33 (-2.16%)

Transcript 10-Q8-K

Key Points

Positve

Sezzle Inc (SEZL) reported a strong top-line growth of 76% year over year, showcasing significant business momentum.
The company achieved a gross margin of 61% and a net income margin of 28%, indicating robust profitability.
Sezzle Inc (SEZL) is actively investing in marketing, with an $8.8 million spend in Q2, aimed at customer acquisition and retention.
The company's Net Promoter Score (NPS) of 75 reflects high customer satisfaction and engagement.
Monthly active users increased by 52% year over year, with revenue-generating user engagement rising by 138%.

Negative

GAAP net income decreased slightly due to a lower discrete tax benefit compared to the previous year.
Provision for credit losses increased to 2.2% of GMV, reflecting higher risk tolerance and growth focus.
Non-transaction related operating expenses rose by 50.4% year over year, driven by increased marketing spend.
The profitability of the on-demand product is lower compared to premium and anywhere products.
The ongoing lawsuit with Shopify could potentially take 3 to 5 years to resolve, posing a long-term uncertainty.

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

SEZL.OQ - Sezzle Inc
Q2 2025 Sezzle Inc Earnings Call
Aug 07, 2025 / 09:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good day and welcome to the Sezzle Inc. 2nd quarter 2025 earnings conference call. All participants are in a listen-only mode. Should you need assistance, please signal conference specialist by pressing the start key followed by 0.

After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then one on your telephone keypad. To withdraw your question, if it has been addressed, you can please press star then to.

Please note this event is being recorded. I would now like to turn a conference call to Mr. Charlie Ua Kim.

Mr. Yuki, the floor is yours, sir.

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Unidentified_2 [2]
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