Sezzle Inc. is classed by the SEC under Services-Business Services, NEC (industry code 7389), based in Minneapolis, MN. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $236 million and a profit of $133 million (its filed statements).
Marketplace businessServices-Business Services, NECMinneapolis, MNfilings since 20169 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a marketplace business: prior from its industry code (SEC 7389, Services-Business Services, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.9 out of ten, 9 of 9 metrics filed: past 4.6 out of ten, present 6.2 out of ten, future 9.0 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 1.3 out of ten. 2 warning events since 2017; the latest 2026-03-20. 13th percentile among 105 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 7.7 out of ten. +50.3% a year over 6 filed years; profitable in 3 of 6. 77th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 2.5 out of ten. Share count grew 87.2% a year. 29% of cash flow returned. Insiders: 98 sales, 3 purchases. 25th percentile among 70 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 6.8 out of ten. ROE 78%: 78¢ of profit per shareholder dollar. Leverage 58%: owes 58¢ per asset dollar. 68th percentile among 98 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 7.5 out of ten. top 25% of 101 in its family; net margin 29.6%. 75th percentile among 101 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 2.7 out of ten. bottom 27% of 67 in its family for leadership; chief executive since 2021. 27th percentile among 67 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 8.8 out of ten. top 12% of 99 in its family for room to expand. 88th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 9.3 out of ten. top 7% of 99 in its family for growth drivers. 93rd percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 8.6 out of ten. top 14% of 93 in its family for expectations against reality. 86th percentile among 93 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-26 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-10-08 (on EDGAR). Newest filing: Form 144, 2026-10-09. Filings on record since 2016. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Transaction Income Consumer Fees 29%, Service Other 26%, Merchant and Partner Income 23%, Subscription Revenue 22%. As tagged in its annual report (Form 10-K, filed 2026-02-26).
Who runs it
Youakim, Charles (Executive Chairman and CEO); Paradis, Paul (Director & President); Brading, Lee Dickson (Chief Financial Officer); Hartje, Karen (Chief Financial Officer); Sabzivand, Amin (Chief Operating Officer); Krause, Justin (SVP FINANCE AND CONTROLLER); Khurana, Rajeev (General Counsel); Hollis, Kerissa (General Counsel and Secretary); Hunt, Bryan Cecil (director); Brehm, Kyle M. (director); and 1 more. 11 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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