• In February 2026, Sezzle Inc. reported full-year 2025 results showing sales of US$450.28 million and net income of US$133.13 million, with basic earnings per share from continuing operations of US$3.93.
• The company also introduced fiscal 2026 guidance calling for total revenue growth of 25% to 30% and highlighted its evolution into a broader financial app with new mobile and AI-enabled features that could reshape how it competes in digital payments.
• Now we’ll examine how Sezzle’s strong 2025 earnings and 2026 revenue growth guidance influence its existing investment narrative and risk profile.

We've uncovered the 16 dividend fortresses yielding 5%+ that don't just survive market storms, but thrive in them.

Sezzle Investment Narrative Recap

To own Sezzle, you need to believe it can turn its Buy Now, Pay Later roots into a broader financial app while keeping credit losses and margins in check. The 2025 earnings and 2026 revenue growth guidance reinforce the near term catalyst around user growth and product expansion, but they do not remove key risks such as higher credit losses from more first-time users or the impact of heavier marketing spend on profitability.

The most relevant update here is Sezzle’s 2026 revenue growth guidance of 25% to 30%, which sits on top of its strong 2025 results. This guidance now anchors the near term debate: can Sezzle keep growing quickly through new offerings like Sezzle Mobile and AI-enabled features without pushing credit risk or customer acquisition costs to levels that hurt earnings quality?

Yet behind the strong 2025 numbers, investors should still be aware of rising credit loss exposure and how quickly new users are being underwritten...

Sezzle's narrative projects $885.4 million revenue and $232.2 million earnings by 2028.

Uncover how Sezzle's forecasts yield a $99.60 fair value, a 36% upside to its current price.

Exploring Other Perspectives

Before this update, the most optimistic analysts were modeling about US$957.3 million of revenue and US$250.9 million of earnings by 2028, so compared with consensus they are effectively betting that user growth, premium product mix and in-store expansion will compound far faster, while still accepting higher regulatory and competitive risks that could push Sezzle’s story in a very different direction over time.

Explore 18 other fair value estimates on Sezzle - why the stock might be worth less than half the current price!

Decide For Yourself

Disagree with existing narratives? Extraordinary investment returns rarely come from following the herd, so go with your instincts.

• A great starting point for your Sezzle research is our analysis highlighting 4 key rewards and 4 important warning signs that could impact your investment decision.
• Our free Sezzle research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Sezzle's overall financial health at a glance.

Ready To Venture Into Other Investment Styles?

Every day counts. These free picks are already gaining attention. See them before the crowd does:

• The latest GPUs need a type of rare earth metal called Terbium and there are only 29 companies in the world exploring or producing it. Find the list for free.
• Uncover the next big thing with 32 elite penny stocks that balance risk and reward.
• Invest in the nuclear renaissance through our list of 85 elite nuclear energy infrastructure plays powering the global AI revolution.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.