The market continues to trend higher, with tech stocks leading the charge once again. Investor appetite for momentum and speculation has surged as major indices flirt with fresh all-time highs, and several individual names have ridden the wave to extended gains. However, as always, not every rally is built to last permanently, especially when technical indicators begin flashing warning signs. The Relative Strength Index (RSI), a widely followed momentum gauge, is often used to help market participants spot ...

Key Takeaways QFIN leverages an AI-powered dual engine model to reduce credit risk and drive strong operating margins. QFIN saw 44.8% operating income growth and launched an AI-Plus strategy to boost underwriting efficiency. SEZL posted 123.3% revenue growth with rising transaction volume and higher purchase frequency per user.Both Qifu Technology (QFIN) and Sezzle (SEZL) are eminent players within the credit tech space. QFIN, a Chinese-based fintech company, serves customers utilizing an AI-powered credi ...

Shares of Sezzle (SEZL 46.90%) were on fire today as the buy-now, pay-later (BNPL) platform delivered strong results in its first quarter and raised its guidance.The quarter is the latest evidence of strong momentum in the business, and the stock was up 51% as of 1:24 p.m. ET. Sezzle soarsThe fintech company said that gross merchandise volume (GMV), or spend on the platform, jumped 64.1% to $808.7 million, with customer purchase frequency up to 6.1 times in the quarter from 4.5 in the quarter a year ago.Tha ...

Core Insights - Sezzle Inc. has raised its 2025 Net Income guidance by nearly 50% to $120 million due to stronger consumer activity and better-than-expected repayment trends [2][16] - The company reported significant growth in key financial metrics for the first quarter of 2025, including a 64.1% year-over-year increase in Gross Merchandise Volume (GMV) to $808.7 million [5] - Total Revenue for 1Q25 reached a new high of $104.9 million, reflecting a 123.3% year-over-year growth, driven by higher engagement and a partnership with WebBank [5] Financial Performance - Operating Income surged 260.6% year-over-year to $49.9 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 $36.2 million, representing 34.5% of Total Revenue, equating to Earnings per Diluted Share of $1.00 [5] - Adjusted EBITDA grew 243.7% year-over-year to $51.4 million, accounting for 49.0% of Total Revenue, marking a 17.1-point expansion from 1Q24 [5] Cost Management - Total Operating Expenses increased 66.0% year-over-year to $55.0 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 $26.9 million, but improved as a share of Total Revenue, declining to 25.6% [5] Guidance Update - The updated FY2025 guidance includes raising Net Income and Adjusted Net Income to $120 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]