Group 1: Analyst Insights - Northland Securities analyst Michael Grondahl maintains a bullish outlook on Sezzle Inc. (NASDAQ:SEZL), reducing the price target from $130 to $110 while still anticipating over 69% upside for the stock [1] - The broader analyst coverage shows an optimistic view, with a 1-year average price target of $101, indicating more than 55% upside potential, supported by three analyst ratings: 2 Buys and 1 Hold [4] Group 2: Strategic Shifts - Sezzle's management plans to pivot back towards subscription-based offerings like Anywhere and Premium, which are expected to provide a more stable revenue base compared to On-Demand offerings, leading to superior yields and enhanced customer lifetime value [2] - The company will continue to offer on-demand products to price-sensitive and lower-credit users, improving risk profiling and underwriting discipline [3] Group 3: Business Model - Sezzle Inc. operates a "buy now pay later" platform, allowing consumers to make purchases with one upfront payment followed by four interest-free installments over a six-week period, thereby enhancing consumer purchasing power [5]