Sezzle (SEZL) Reports 2025 Revenue Growth of 66.1%, Record $133.1M Net Income

Group 1: Financial Performance - Sezzle reported a total revenue growth of 66.1% for 2025, with a record net income of $133.1 million [1][5] - In Q4, revenue grew 32.2% year-over-year, driven by an increase of 211,000 members in the Monthly On-Demand and Subscribers/MODS group [1] - For 2026, Sezzle raised its adjusted EPS guidance to $4.70 and expects total revenue growth of 25% to 30%, amounting to approximately $170 million in adjusted net income [3] Group 2: Business Evolution and Strategy - Sezzle is transitioning from a pure Buy Now, Pay Later provider to an all-in-one financial app, with key features like the Earn tab generating over $1 million in monthly revenue [2] - The company is integrating proprietary AI to improve efficiency in handling tasks such as chargebacks and personalized shopping assistance, which has led to a purchase frequency of 6.6 times per quarter and a repeat usage rate of nearly 97% [2] - The CFO highlighted that Sezzle's short product duration, averaging 42 days, allows for real-time underwriting adjustments, maintaining a stable provision for credit losses at 2% of GMV in Q4 [3]