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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Sezzle (SEZL) investor relations material
Sezzle Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Achieved 76.4% year-over-year revenue growth to $98.7M and 74.2% GMV growth to $927M, driven by product innovation, marketing, and increased user engagement.
Adjusted net income rose 91.8% year-over-year to $24.4M; adjusted EBITDA up 106% to $37.9M, with margin improving to 38.4%.
Net income for Q2 2025 was $27.6M, down 7.1% year-over-year due to discrete tax items.
Monthly active users increased 52% year-over-year; MODS reached 748,000, up 62% year-over-year, reflecting successful marketing.
Launched new features and product enhancements, including Sezzle Virtual Card, price comparison, and On-Demand, boosting engagement and repeat usage.
Financial highlights
Q2 2025 revenue rose 76.4% year-over-year to $98.7M; six-month revenue up 97.8% to $203.6M.
Adjusted EBITDA margin improved to 38.4% from 32.9% YoY; net income margin at 28%.
Transaction-related costs were 4.1% of GMV, down 40 bps year-over-year; total revenue less transaction costs was 61.1% of revenue.
Non-transaction OpEx as a percentage of revenue decreased to 28.1% from 32.9% YoY.
Average quarterly purchase frequency rose to 6.1x from 4.8x year-over-year.
Outlook and guidance
FY2025 guidance: total revenue growth of 60–65%, adjusted net income of $120M, adjusted EBITDA of $170M–$175M, and net income per diluted share of $3.25.
Effective tax rate for 2025 expected at 25% (excluding discrete items).
Marketing investments expected to yield returns in H2 with a six-month CAC payback.
Management expects continued growth, supported by product innovation and consumer acquisition, but cautions on macroeconomic and regulatory risks.
How does Sezzle adjust credit limits?
What drove Q2 marketing spend increase?
How does On-Demand impact profitability?
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Next Sezzle earnings date
Q3 20256 Nov, 2025
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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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