Group 1 - Michael Wiggins De Oliveira is an inflection investor, focusing on buying undervalued companies at pivotal moments when their profitability is expected to improve significantly over the next year [1] - The investment strategy emphasizes technology and the Great Energy Transition, including uranium, with a concentrated portfolio of approximately 15 to 20 stocks and an average holding period of 18 months [1] - Michael has over 10 years of experience in analyzing companies, particularly in the tech and energy sectors, and has built a following of over 40,000 on Seeking Alpha [2] Group 2 - The Investing Group Deep Value Returns, led by Michael, offers insights through its concentrated portfolio of value stocks, timely updates on stock picks, and a weekly webinar for live advice [3] - The group provides "hand-holding" support for both new and experienced investors, fostering an active and vibrant community accessible via chat [3]

Core Insights - Sezzle (SEZL) launched On-Demand, allowing users to Pay-in-4 wherever Visa is accepted, enhancing its buy-now-pay-later solution and expanding merchant partnerships [1] - In Q4 2024, Sezzle registered 707,000 Monthly On-Demand & Subscribers (MODS), with a seasonal decline of 7% in the March quarter [2] - The recent quarter saw a 14% sequential increase in MODS, reaching a record 748,000, attributed to targeted marketing initiatives with an 8-fold increase in marketing spend year-over-year [3] Financial Performance - On-Demand's popularity led to a 74.2% year-over-year increase in gross merchandise volume and a rise in purchase frequency from 4.8 to 6.1 times, resulting in a 76.4% year-over-year top-line growth [4] - Non-transaction-related operating expenses increased by 50.4% year-over-year, yet the operating margin expanded by 6.8 basis points to 36.6%, indicating a scalable cost structure [5] - The lifetime value of MODS is strong due to recurring interactions, supporting expectations for continued top-line growth [6] Market Performance - Sezzle's stock surged 281.8% over the past year, outperforming the industry’s 15% increase and the S&P 500's 19.4% rise, as well as competitors Green Dot (GDOT) and OppFi (OPFI) [7] - The forward price-to-earnings ratio for SEZL is 22.25, higher than Green Dot's 9.14 and OppFi's 6.97, while the industry average is 21.74 [11] - The Zacks Consensus Estimate for SEZL's earnings in 2025 is $3.27 per share, indicating a 77.7% increase from the previous year [14]

Core Insights - Sezzle Inc. is positioned as a promising multibagger stock within the rapidly growing "Buy Now, Pay Later" (BNPL) market, providing flexible payment solutions for both merchants and consumers [1] - The global BNPL online value is projected to grow at a 9% CAGR, reaching approximately $580 billion by 2030, indicating substantial growth opportunities for Sezzle [2] - In Q2 2025, Sezzle reported a Gross Merchandise Volume (GMV) of $927 million, a 74% year-over-year increase, with total revenue rising 76.4% to $98.7 million [3] Financial Performance - Sezzle's adjusted net income increased by 92%, and the adjusted EBITDA margin improved by 550 basis points year-over-year to 38.4%, showcasing strong operational discipline [3] - Despite strong financial results, the stock experienced a decline of around 34% due to management's guidance indicating a slowdown in growth, which disappointed investors [4] - The stock remains up 100% year-to-date, reflecting overall positive market sentiment despite recent challenges [4] Analyst Sentiment - Analysts have maintained a positive outlook on Sezzle, with B. Riley Financial raising its price target from $101 to $111 while keeping a Buy rating, indicating the stock is attractively valued [5] - The company's consumer-focused features, such as Sezzle Up, which has over 2.9 million users, differentiate it from competitors by linking installment payments with credit-building [2] Industry Context - Sezzle operates in the U.S. financial technology sector, specializing in BNPL solutions that allow consumers to split purchases into interest-free installments, thereby enhancing merchant sales and customer engagement [6]

Core Insights - Sezzle (NASDAQ: SEZL) has over 36 million shares outstanding on a fully diluted basis, highlighting its market position in the context of supply and demand dynamics [1] Company Analysis - Sezzle is positioned within the small and midcap investment space, which is characterized by asymmetric upsides, indicating potential for significant growth [1] - The company operates in a competitive landscape, with comparisons drawn to Affirm, suggesting a need for strategic differentiation [1] Industry Context - The analysis reflects a broader understanding of the Industrials and chemicals sector, indicating the analyst's diverse experience which enriches the evaluation of companies like Sezzle [1]

Core Insights - The article emphasizes the search for undervalued stocks across various sectors and geographies, highlighting the importance of identifying hidden investment opportunities [1]. Group 1 - The author is a professional portfolio manager with a background in business studies from multiple countries, including France, the U.S., and Russia [1]. - The investment strategy focuses on lesser-known and underrated stocks, suggesting a contrarian approach to investing [1]. - The author operates as a Popular Investor on eToro, where a publicly available portfolio showcases investment opinions and decisions [1]. Group 2 - The article does not provide specific financial data or performance metrics related to any particular company or industry [2][3].

Group 1 - The article discusses the author's extensive experience as a Merchant Seaman and a growing interest in investing over the past 15 years, particularly in Tech stocks due to an engineering background [1]. - The author attributes much of their investment knowledge to The MF, indicating a reliance on established investment resources for learning [1]. Group 2 - There is a disclosure stating that the author has no current stock or derivative positions in any mentioned companies and has no plans to initiate any such positions in the near future [2]. - The article emphasizes that past performance is not indicative of future results, highlighting the uncertainty inherent in investment decisions [2].

Company Overview - Sezzle is a high-growth financial technology company operating in the buy-now, pay-later (BNPL) market [1] - The stock has appreciated significantly, rising nearly 270% over the past 12 months, despite a 50% pullback from its high in July 2025 [1] Market Performance - The stock's performance indicates strong investor interest and market confidence in Sezzle's business model and growth potential [1]

Core Viewpoint - Sezzle Inc. (SEZL) shows potential for significant upside, with a mean price target of $131.67 indicating a 49.6% increase from the current price of $88 [1]. Price Targets - The average price target consists of three estimates: a low of $111.00, a high of $150.00, and a standard deviation of $19.6, suggesting a range of potential increases from 26.1% to 70.5% [2]. - A low standard deviation indicates a strong agreement among analysts regarding the price targets, which can be a useful starting point for further research [9]. Analyst Sentiment - Analysts have shown increasing optimism about SEZL's earnings prospects, as evidenced by a positive trend in earnings estimate revisions, which historically correlates with stock price movements [11]. - Over the past 30 days, the Zacks Consensus Estimate for the current year has risen by 0.4%, with one estimate increasing and no negative revisions [12]. Zacks Rank - SEZL holds a Zacks Rank of 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate factors, indicating strong potential for near-term upside [13]. Caution on Price Targets - While the consensus price target is a commonly referenced metric, it should not be the sole basis for investment decisions due to historical inaccuracies in predicting actual stock price movements [3][7][10]. - Analysts may set overly optimistic price targets influenced by business relationships, which can lead to inflated expectations [8].

Core Insights - Sezzle (SEZL) has experienced a remarkable 74.2% year-over-year increase in gross merchandise volume (GMV) in Q2 2025, continuing a trend of significant growth over the past quarters [1][9] - The company's focus on consumer engagement through product innovation and targeted marketing has led to improved user loyalty and consistent profit growth [2] - Customer engagement is reflected in the increase in purchase frequency, which rose to 6.1 from 4.8 year-over-year, indicating a shift towards regular usage of Sezzle's services [3] Financial Performance - Sezzle's GMV growth has resulted in a 76.4% year-over-year increase in revenue, with operating income soaring 116.1% year-over-year and margins expanding by 6.8 basis points [5] - Adjusted net income increased by 91.8% year-over-year, showcasing strong underlying profitability driven by a loyal user base [6] Subscriber Growth - The number of Monthly On-Demand & Subscribers reached 748,000 in Q2 2025, marking a 13.7% sequential increase, which is attributed to successful product innovations [4] Stock Performance - SEZL's stock price surged 315.5% over the past year, significantly outperforming the industry growth of 22.7% and the S&P 500's rise of 14.3% [7] Valuation Metrics - Sezzle trades at a forward price-to-earnings ratio of 22.45X, slightly above the industry average of 22.17X, while competitors OppFi and PayPal have lower ratios of 6.62X and 12.13X, respectively [11] - The Zacks Consensus Estimate for Sezzle's earnings for 2025 and 2026 has increased by 2.8% and 2.3%, respectively, over the past 60 days [14]

Core Insights - Sezzle Inc.'s stock has surged 324.1% over the past year, significantly outperforming the industry growth of 19.7% and the S&P 500 Composite's 15.9% rally [1] - The company's performance also exceeds that of close competitors, PagSeguro Digital and Western Union, which saw declines of 38.1% and 29.2%, respectively [1] Performance Overview - Year-to-date, Sezzle's stock has increased by 115.5%, outpacing PagSeguro Digital's 44.2% growth and Western Union's 21.2% decline [4] - In the second quarter of 2025, Sezzle recorded a gross merchandise volume (GMV) of $927 million, reflecting a 76.4% year-over-year revenue increase [7][8] Product Development - Sezzle launched its On-Demand product in October 2024, allowing flexibility for Pay-in-4 transactions wherever Visa is accepted, positioning itself as a Buy Now, Pay Later solution [5] - The On-Demand product has seen success, with Monthly On-Demand Subscribers (MODS) reaching 748,000 in Q2 2025 after a seasonal dip [6] Profitability Metrics - Sezzle reported a return on equity (ROE) of 102.9% and a return on invested capital (ROIC) of 58.2%, both significantly above industry averages of 48.6% and 22.2%, respectively [9][11] - The company's current ratio stood at 3.51, well above the industry average of 1.15, indicating strong liquidity [13] Sales and Earnings Outlook - The Zacks Consensus Estimate for Sezzle's 2025 sales is $442.1 million, representing a 63.1% year-over-year increase, with a further 28.4% rise expected in 2026 [15] - Earnings estimates for 2025 are projected at $3.27 per share, indicating a 77.7% year-over-year surge, with an additional 32.1% increase anticipated in 2026 [15] Analyst Sentiment - Over the past 60 days, EPS estimates for both 2025 and 2026 have been revised upward, reflecting analysts' confidence in the company's growth potential [16] - Sezzle is considered a fundamentally strong stock, with a Zacks Rank of 2 (Buy), indicating positive sentiment among analysts [19]