Sezzle is one of the prevalent players in the rapidly growing BNPL sector, positioned to ride the wave of growing user adoption and engagement. The company trades at a compelling 17x 2026 earnings with a PEG of 0.60, signaling significant undervaluation versus peers.
Cyborg Score Rationale
Sezzle delivered Q4 adjusted EPS of $1.21, surpassing estimates of $0.96, with revenue of $129.9M (32.2% YoY increase). The company raised FY2026 guidance to $4.70 EPS and 25-30% revenue growth. The company demonstrates a three-year revenue growth rate of 27.7% and net margin of 27.66%.
Top Insights
Record quarterly Gross Merchandise Volume (GMV) of $1.2B, a 35.3% YoY increase
Sezzle joined the S&P SmallCap 600 Index in December 2025, marking a milestone in its evolution as a public company
Sezzle is launching an AI-powered shopping assistant and Sezzle Mobile wireless service at $29.99/month on the AT&T network
Retail investor sentiment surged 300% in social media message volumes with strong bullish sentiment
Named Competitors
Affirm — Consumer lending platform for point-of-sale financing
Pay in 4 — Buy Now Pay Later service by PayPal
Klarna — European-founded BNPL and payments platform
Recent Developments
(February 2026) Stock surged 35.26% on strong Q4 earnings with EPS of $1.21 vs. $0.96 estimate
(February 2026) Raised FY2026 EPS guidance to $4.70 from $4.35 and introduced 25-30% revenue growth guidance
(February 2026) Lee Brading appointed Chief Financial Officer effective February 1, 2026
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