Core Insights - Sezzle Inc. has raised its 2025 Net Income guidance by nearly 50% to 120millionduetostrongerconsumeractivityandbetter−than−expectedrepaymenttrends[2][16]−Thecompanyreportedsignificantgrowthinkeyfinancialmetricsforthefirstquarterof2025,includinga64.1808.7 million [5] - Total Revenue for 1Q25 reached a new high of 104.9million,reflectinga123.349.9 million, with an Operating Margin of 47.6%, an increase of 18.2 points from the previous year [5] - Net Income more than quadrupled year-over-year to 36.2million,representing34.51.00 [5] - Adjusted EBITDA grew 243.7% year-over-year to 51.4million,accountingfor49.055.0 million, but as a share of Total Revenue, it improved by 18.2 points to 52.4% [5] - Transaction Related Costs as a percentage of GMV decreased from 4.3% to 3.8% year-over-year, attributed to better credit performance and effective payment processing strategies [5] - Non-Transaction Related Operating Expenses rose 65.9% year-over-year to 26.9million,butimprovedasashareofTotalRevenue,decliningto25.6120 million from $80.4 million, and Total Revenue Growth guidance to 60-65% from 25-30% [16] - The company anticipates an effective tax rate of 25% for FY2025 [16] Strategic Initiatives - Sezzle launched new features such as Pay-in-5, enhanced shopping tools, and Money IQ to deepen consumer engagement and streamline the shopping experience [16] - The company expanded its merchant network, adding Scheels and WHOP to its partnerships [16] Upcoming Events - Sezzle will host its first quarter earnings conference call on May 7, 2025, and will participate in several investor conferences throughout May and June [9][16]
