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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Sezzle
Sezzle (SEZL) investor relations material
Sezzle Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary25 Feb, 2026
Executive summary
Achieved record financial performance in 2025, with total revenue up 66.1% year-over-year to $450.3 million and net income reaching $133.1 million, up 69.5% year-over-year.
Gross Merchandise Volume (GMV) increased 55.1% year-over-year to $3.94 billion, with Q4 GMV at $1.16 billion, up 35.3%.
Adjusted EBITDA reached $187.7 million for FY2025, with a margin of 41.7%, and Q4 margin at 44.9%.
Monthly On-Demand & Subscribers grew by 211,000 year-over-year to 918,000, with app sessions up 51% year-over-year in December.
Focused on product innovation, operational efficiency, and disciplined capital allocation, including a shift toward higher-margin subscription products and AI-driven efficiencies.
Financial highlights
Q4 revenue grew 32.2% year-over-year to $129.9 million; full-year revenue reached $450.3 million, up 66.1%.
Net income for Q4 was $42.7 million; full-year net income was $133.1 million.
Adjusted Net Income nearly doubled to $128.4 million for the year.
Adjusted EBITDA margin improved to 41.7% for FY2025 and 44.9% in Q4.
Gross margin for 2025 reached $281 million, or 62.4% of total revenue.
Outlook and guidance
FY2026 adjusted net income per diluted share guidance raised to $4.70 from $4.35.
Projecting 25%-30% total revenue growth and $170 million adjusted net income for 2026.
Guidance does not include potential contributions from new products like Sezzle Mobile and AI-powered shopping assistant.
How does Sezzle Mobile extend value proposition?
Detail drivers of Transaction Related Costs decline?
What is the rationale for the new share repurchase?
Why exclude new product revenue from 2026 guidance?
Why is 2026 provision guidance higher than 2025?
How does ILC charter mitigate BaaS model risks?
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Next Sezzle earnings date
Q1 20266 May, 2026
Sezzle
Next Sezzle earnings date
Q1 20266 May, 2026
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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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