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SEZL

SezzleB
Nasdaq / Financial Services
Last Price
At close
2026-07-20
View Chart
Current thesis
The post-earnings read-through is favorable: trusted syndications reported Q1 adjusted EPS of $1.43 versus roughly $1.24 consensus and revenue of $135.5 million versus about $129.2 million, while several firms raised targets on May 8, 2026, including Needham to $122 from $94, KBW to $115 from $85, Northland to $110 from $100, TD Cowen to $108 from $71, and Oppenheimer to $116 from $110.
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta +0.1.
What can break
Credit losses improved as a percentage of GMV, but absolute provision for credit losses still rose to $13.7 million in Q1 and management says underwriting changes can materially affect future loss rates [#10-Q-2026-05-07].
Momentum
99
Value
48
Sentiment
28
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $103.00 · Bull $118.00 · Bear $82.00
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-09 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $163.67
Why
Momentum99 · Δ7d +0.1
Value48 · Δ7d -0.2
Sentiment28 · Δ7d +0.3
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
99
26% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
+0.2
Value
48
39% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
+0.3
Sentiment
28
34% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
-2.8
Why this grade

Composite grade B. Momentum 99.1 / Value 47.6 / Sentiment 28.1

Fundamentals (TTM)
As of 2026-07-17
Market Cap
$5.87B
Beta
-
Shares Out
33.63M
P/E (TTM)
21.5
P/S (TTM)
5.65
P/FCF (TTM)
43.77
Rev YoY
+29.2%
EPS YoY
+46.9%
Gross Margin
+74.0%
Op Margin
+36.4%
Net Debt
$68.35M
Current Ratio
3.65
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology