Sezzle Earnings Call Transcripts
Fiscal Year 2026
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Q2 2026 delivered record GMV and revenue growth, driven by a surge in subscribers and engagement. New products SezzleCash and Sezzle Send launched, while AI integration improved efficiency. Full-year guidance was raised, with strong liquidity and low leverage maintained.
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Q1 2026 saw robust growth, with GMV up 37.3% and revenue up 29.2% year-over-year. Gross margin hit 74%, net income reached $51.3M, and guidance for 2026 was raised across all key metrics. Subscriber engagement and new product launches fueled momentum.
Fiscal Year 2025
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Delivered record 2025 results with 66.1% revenue growth, $133.1M net income, and strong margin expansion. Raised 2026 guidance, continued product innovation, and expanded capital return programs, while maintaining disciplined cost control and monitoring regulatory trends.
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Q3 2025 saw 67% revenue growth, strong profitability, and a strategic shift back to subscription products, driving higher customer lifetime value and engagement. Guidance for 2025 and 2026 was raised, with robust cash flow and continued investment in AI and product innovation.
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Q2 saw 76% revenue growth, 28% net income margin, and strong user engagement, driven by On-Demand and Anywhere products. Full-year guidance and a new EBITDA target were reaffirmed, with marketing investments expected to yield results in H2 2025.
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The meeting highlighted a dramatic financial turnaround, strong GMV and subscriber growth, and ongoing innovation in payment solutions. Shareholders voted on director reelections, auditor ratification, and executive compensation, with results to be published after the meeting.
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Revenue and net income surged year-over-year, driven by strong consumer engagement, new product rollouts, and operational efficiency. Raised 2025 guidance for revenue and EPS, supported by robust credit performance and cash generation.
Fiscal Year 2024
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Q4 revenue doubled year-over-year, with full-year revenue up 70% and net income rising over tenfold. On-Demand product launch and WebBank partnership drove user and merchant growth, while 2025 guidance was raised for EPS and pre-tax net income.
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The AGM highlighted strong Q3 financial results, with revenue up 71% and new product launches driving growth. Key proposals included board elections and auditor ratification, with voting results to be disclosed post-meeting. No shareholder questions were submitted.
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Q2 revenue surged 60.2% year-over-year, driven by strong subscriber and transaction growth, with adjusted net income reaching $13.1 million. Fiscal 2024 guidance was raised across all key metrics, and a new credit facility improved liquidity and reduced costs.
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Q2 revenue grew 60.2% year-over-year, with adjusted net income of $13.1 million and a record 10.5% revenue-to-UMS ratio. Subscriber growth, new product launches, and improved margins led to raised 2024 guidance, while credit loss provisions are expected to rise seasonally.