Q4 2025 Sezzle Inc Earnings Call Transcript

Feb 25, 2026 / 10:00 PM GMT

Release Date Price: $62.62 (+3.25%)

Transcript 10-K8-K

Key Points

Positve

Sezzle Inc (SEZL) reported a 32.2% revenue growth for Q4 2025, contributing to a total annual revenue growth of 66.1%.
Net income reached $42.7 million for the quarter, with a full-year net income of $133.1 million.
The company achieved a return on equity exceeding 100% for the full year 2025.
Sezzle Inc (SEZL) completed a 6-for-1 stock split and expanded its capital return program with a $100 million share repurchase authorization.
The company is leveraging AI to improve efficiency, aiming to turn a team of 400 into the equivalent of a team of 4,000.

Negative

Sezzle Inc (SEZL) faces potential regulatory challenges, particularly with state-level regulations that could impact its operations.
The company experienced a slight decrease in merchant accounts from 474,000 in Q3 to 463,000 in Q4.
There is a concern about the political trend of states wanting to regulate every product, which could affect the BNPL sector.
The company anticipates a provision for credit losses to increase to a range of 2.5% to 3% in 2026, up from 2.3% in 2025.
Sezzle Inc (SEZL) is exploring a banking charter, which is a long and non-guaranteed process, adding uncertainty to its strategic initiatives.

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

SEZL.OQ - Sezzle Inc
Q4 2025 Sezzle Inc Earnings Call
Feb 25, 2026 / 10:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good day and welcome to the Zuzzle Inc. 4th quarter 2025 earnings conference call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the key, followed by zero.

After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press, then 1 on your telephone keypad. To withdraw your question, please press, then 2. Please note this event is being recorded.

I would now like to turn the conference over to Charlie Yam, CEO and executive Chairman. Please go ahead.

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Unidentified_2 [2]
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