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Visual21 Nov 2025
Data center suppliers
Sezzle (SEZL) investor relations material
Sezzle Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Achieved 67% year-over-year revenue growth in Q3 2025, reaching $116.8 million, with net income up 72.7% to $26.7 million and net income margin at 22.8%, driven by product innovation, increased consumer activity, and higher subscription adoption.
Subscription products outperformed on-demand, with active subscribers reaching 784,000 and a strategic focus on subscription growth, improving customer lifetime value and engagement.
Launched new app features such as the Earn tab, Sezzle Arcade, and Money IQ, resulting in over 13 million visits to the Earn tab in its first quarter and driving higher user engagement.
Continued investment in AI initiatives, including a support chatbot and shopping assistant, to enhance operational efficiency and customer experience.
Recognized by major publications for growth and workplace excellence, including TIME's top 100 America's Growth Leaders.
Financial highlights
Total revenue for Q3 2025 was $116.8 million, up 67% year-over-year; GAAP net income rose to $26.7 million, with a net income margin of 22.8%.
Adjusted EBITDA margin held at 33.9%, with adjusted EBITDA up 74.6% year-over-year to $39.6 million.
GMV increased 58.7% year-over-year to $1.05 billion, surpassing $1 billion in a quarter for the first time.
Cash and cash equivalents at quarter-end were $134.7 million, with $33.1 million in operating cash flow for the quarter and $55.6 million year-to-date.
Transaction related costs as a percentage of GMV decreased to 4.1% from 5.1% a year ago.
Outlook and guidance
FY2025 guidance raised for GAAP net income to $125 million, GAAP EPS to $3.52, adjusted EPS to $3.38, and Adjusted EBITDA to $175–$180 million.
Preliminary FY2026 guidance projects adjusted EPS of $4.35, reflecting 29% growth over 2025 at a ~25% effective tax rate.
FY2025 revenue growth guidance maintained at 60%-65%.
Impact of subscription focus on future profitability
Purpose of $225M credit facility increase
Details on corporate strategic project costs
Subscription pivot: revenue vs. GMV growth
How does ILC charter enhance business efficiency?
AI's role in scaling and team efficiency
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Frequently asked questions
Sezzle Inc. is a financial technology company that offers an e-commerce payment platform, enabling consumers to split payments for their purchases into four interest-free installments. This service is available at participating online stores, where the first installment is paid at the time of purchase, and the remaining three are scheduled over six weeks. Sezzle assesses credit risk not solely based on a customer's FICO score but considers various factors including a soft credit score check, the customer's order history with Sezzle, and the total purchase amount, ensuring that the process does not impact the customer's credit score. The company is headquartered in Minneapolis, Minnesota, and its shares are listed on the NASDAQ.
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