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Earnings analysis · 10-Q

SEZL earnings analysis

Filed May 6, 2026 · Our reading of the company's report

The latest report

Sezzle Inc. reported Q1 2026 financial results that exceeded expectations with revenues of $135.5 million and EPS of $1.47. This marks a significant increase from the prior year's revenue of $104.9 million, reflecting a…

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Sezzle Inc. reported Q1 2026 financial results that exceeded expectations with revenues of $135.5 million and EPS of $1.47. This marks a significant increase from the prior year's revenue of $104.9 million, reflecting a 29.2% growth, driven by strong transaction income and subscription revenue. Management has raised its fiscal 2026 revenue guidance, citing robust consumer engagement and operational efficiencies.

Read the original on SEC.gov

From revenue to operating profit

Where each $100 of revenue went in this report.

Of every $100 of revenue Cost of sales $-1 Operating expenses $58 Left as operating profit $43

Cost of sales, operating expenses, and what remained. Figures are rounded to whole dollars.

Reported figures

Earnings per share
$1.47

What stood out

  • Strong Revenue Growth

    Total revenue for Q1 2026 reached $135.5 million, a 29.2% increase from $104.9 million in Q1 2025.

  • BEAT EPS Estimates

    Reported EPS of $1.47 surpassed the estimated EPS of $1.24, demonstrating strong performance.

  • Significant GMV Increase

    Gross Merchandise Volume (GMV) grew by 37.3% to $1.11 billion from $808.7 million, boosting transaction income.

  • Improved Subscription Revenue

    Subscription revenue surged by 41.7% to $33.2 million, up from $23.4 million year-over-year.

  • Increased Cash Reserves

    Cash and cash equivalents rose to $120.4 million, an increase from $64.1 million at year-end 2025.

  • Enhanced FY2026 Guidance

    Management raised FY2026 revenue growth guidance to 30-35% from 25-30%, reflecting positive business outlook.

What to watch

  • Material Weakness in Internal Controls

    Ongoing material weakness in internal controls over financial reporting could lead to misstatements in financial statements.

  • Seasonal Revenue Fluctuations

    Potential for decreased consumer spending in non-holiday periods could adversely affect revenues.

  • Credit Loss Exposure

    Higher GMV could result in increased credit losses if consumer repayment behavior deteriorates.

Management's outlook

FY2026 total revenue growth guidance increased to 30-35% from prior estimates of 25-30%.

Earlier filings 1

10-K · April 30, 2026

Sezzle Inc. continues to grow with a strong revenue performance in fiscal year 2025, reporting $130 million in revenue for Q4 and achieving a record total revenue of $460 million for the year, suggesting effective…

This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.