All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2026-03-20.
From the record
Sezzle Inc.'s filings since 2017 show 2 warning events of 2 kinds: a warning not to rely on past financial statements (8-K item 4.02, the latest 2026-02-25); an auditor change (8-K item 4.01, the latest 2026-03-20) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+50.3% a year over 6 filed years; profitable in 3 of 6.
From the record
Sezzle Inc.'s 6 filed years say what it did: revenue went from $59 million in fiscal 2020 to $450 million in fiscal 2025, up 50.3% a year; it rose in 5 of 5 years; it never fell from a peak; net income was positive in 3 of 6 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 3.1% a year. 29% of cash flow returned. Insiders: 94 sales, 3 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Sezzle Inc.'s diluted share count grew about 3.1% a year, and dividends and buybacks returned about 29% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 94 sales (74 under scheduled 10b5-1 plans) and 3 purchases of their own stock on the open market in the year to 2026-11-10, buying about $114 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 78%: 78¢ of profit per shareholder dollar. Leverage 58%: owes 58¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Sezzle Inc. earned about 78 cents of profit for every dollar of shareholders' money. Leverage: it owed about 58 cents per dollar of assets, and net share issuance: its share count shrank 0.4% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 25% of 101 in its family; net margin 29.6%.
From the record
Sezzle Inc.'s standing among 101 graded names in its industry family: revenue of $450 million in fiscal 2025 ranks in the bottom 34% by size; a net margin of 29.6% ranks in the top 6%; revenue growth of 53% a year over the last 3 filed years ranks in the top 2% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 28% of 65 in its family for leadership; chief executive since 2021.
From the record
Sezzle Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Youakim, Charles (Executive Chairman and CEO, as filed), filing under that title since 2021-06-11, 5.4 years (top 47% of its family); the 11 officers and directors filing in the last fifteen months have been on the record a median of 2.3 years (bottom 9%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 11 people in charge now (bottom 21%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 12% of 99 in its family for room to expand.
From the record
Sezzle Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $103 million against no long-term debt tagged leaves 25.6% of its assets as net cash, top 19% of its family; cash from operations less capital spending is 46.5% of revenue (top 6%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 7% of 99 in its family for growth drivers.
From the record
Sezzle Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 53% a year over the last three filed years against 50.3% over all 6, speeding up (top 13% of its family); the newest year grew 66.1% (top 7%); capital spending grew 132.3% a year (top 3%) (its annual reports). Sezzle Inc. reported 4 product lines in fiscal 2025: Transaction Income Consumer Fees at $132 million (29%), Service Other at $117 million (26%), Merchant and Partner Income at $102 million (23%), and 1 more; 4 of 4 grew against the year before (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 15% of 93 in its family for expectations against reality.
From the record
Sezzle Inc.'s newest year against its own record: revenue of $450 million in fiscal 2025 came in 13.1% above the $398 million its prior three years' pace pointed to (top 20% of its family); net income of $133 million against a prior three-year average of $16 million (top 3%); a net margin of 29.6% against 1% before (top 22%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made