Sezzle (SEZL) Reports 2025 Revenue Growth of 66.1%, Record $133.1M Net Income

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. (NASDAQ:SEZL) 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.

Photo by Ewan Buck on Unsplash

Sezzle Inc. (NASDAQ:SEZL) 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.

While we acknowledge the potential of SEZL as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you’re looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock.

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