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Sezzle SEZL Q3 2025 earnings

Reported November 5, 2025 · After market close

Revenue$116.8MMiss by $11.5M
EPS$0.71Beat by $0.06
Revenue estimate$128.3M
EPS estimate$0.65

Next report

Aug 6, 2026 (In 1 week)
Revenue estimate$135.1M
EPS estimate$1.03

Financials

Q3 2025

Income statement

See full
Revenue$116.8M+67.0%
Operating income$35.6M+70.6%
Net income$26.7M+72.7%
EPS (diluted)$0.75+70.5%

Balance sheet

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Cash & equivalents$104.1M+30.1%
Total debt$854.0K-8.9%
Total equity$155.3M+154%
Total assets$367.0M+45.1%

Cash flow

See full
Operating cash flow$63.7M+81.8%
CapEx$163.0K+1,530%
Free cash flow$63.6M+81.3%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$2.71B+186%
Enterprise value$2.6B+200%
P/E23.4×+6.5×
P/S6.5×+2.2×

Profitability

See full
Operating margin36.4%+9.8pp
Net margin27.7%+2.4pp
FCF margin46.8%+20.6pp

Returns & leverage

See full
Return on equity107%-34.8pp
Debt / equity0×0.0×
Current ratio3.5×+1.1×

Segments

By product

See full
Consumer Fees$33.5M+131%
Merchant And Partner Income$26.0M—
Late Payment Fees$21.0M+209%

Versus estimates

Revenue

Q1 2026$135.5MBeat by $7.8MQ4 2025$129.9MBeat by $2.3M
Q3 2025$116.8MMiss by $11.5M
Q2 2025$98.7MBeat by $3.8MQ1 2025$104.9MBeat by $40.2MQ4 2024$98.2MBeat by $24.3M

Diluted EPS

Q1 2026$1.43Beat by $0.19Q4 2025$1.21Beat by $0.25
Q3 2025$0.71Beat by $0.06
Q2 2025$0.69Beat by $0.11Q1 2025$1.00Beat by $0.68Q4 2024$0.73Beat by $0.22

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Questions, answered.

When did Sezzle report Q3 2025 earnings?
Sezzle (SEZL) reported Q3 2025 earnings on November 5, 2025 after market close.
What were Sezzle's Q3 2025 revenue and EPS?
Sezzle reported revenue of $116.8M and eps of $0.71 for Q3 2025.
Did Sezzle beat estimates in Q3 2025?
Revenue missed the consensus estimate of $128.3M by $11.5M. EPS beat the consensus estimate of $0.65 by $0.06.
How did Sezzle's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 67.0% from $70.0M a year earlier and eps grew 44.9% from $0.49.
Where can I find Sezzle's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001662991-25-000255) and the 10-Q periodic report (0001662991-25-000257) directly on SEC EDGAR. The filing index links above go to sec.gov.