Sezzle Inc.

SEZL

SEZLSezzle Inc. US flag

NASDAQ Capital Market

174.24

USD

-5.11

- -

5.86BMarket Cap

Income Statement (AUD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	- -	16	59	115	126	159	271	450
+ Sales & Services Revenue	- -	16	59	115	126	159	271	450
- Cost of Revenue	- -	- -	22	- -	92	86	117	135
+ Cost of Goods & Services	- -	- -	22	- -	92	86	117	135
Gross Profit	- -	16	36	115	25	74	154	315
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	27	64	184	73	52	86	153
+ Selling, General & Admin	- -	13	45	25	35	21	21	49
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	- -	14	20	159	38	31	65	104
Operating Income (Loss)	- -	-11	-28	-69	-48	22	68	163
- Non-Operating (Income) Loss	- -	6	4	6	-10	14	1	- -
+ Interest Expense, Net	- -	6	4	5	9	16	14	- -
+ Interest Expense	- -	6	4	5	9	16	14	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	- -	- -	1	-19	-1	-13	- -
Pretax Income	- -	-17	-32	-75	-38	8	67	163
- Income Tax Expense (Benefit)	- -	- -	- -	- -	- -	1	-11	30
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	- -	-17	-32	-75	-38	7	79	133
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	- -	-17	-32	-75	-38	7	79	133
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	- -	-17	-32	-75	-38	7	79	133
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	- -	-17	-32	-75	-38	7	79	133
EBIT	- -	-11	-28	-69	-48	22	68	163
EBITDA	- -	-11	-28	-69	-47	23	69	164
EBITDA Margin (%)	- -	-68.86	-47.73	-59.88	-37.58	14.47	25.61	36.45
EBITA	- -	-11	-28	-69	-48	22	68	163
Gross Margin (%)	- -	100	61.74	100	26.74	46.3	56.89	70.06
Operating Margin (%)	- -	-68.86	-47.73	-59.88	-38.25	13.93	25.26	36.15
Profit Margin (%)	- -	-103.34	-55.1	-65.47	-30.34	4.45	28.96	29.57
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	- -	- -	- -	1	1	1	1	1
Basic Weighted Avg Shares	- -	18	30	32	33	34	34	34
Basic EPS, GAAP	- -	-0.94	-1.1	-2.38	-1.14	0.21	2.33	3.93
Basic EPS from Cont Ops	- -	-0.94	-1.1	-2.38	-1.14	0.21	2.33	3.93
Diluted Weighted Avg Shares	- -	18	30	32	33	34	36	36
Diluted EPS, GAAP	- -	-0.94	-1.1	-2.38	-1.14	0.21	2.19	3.72
Diluted EPS from Cont Ops	- -	-0.94	-1.1	-2.38	-1.14	0.21	2.19	3.72

Balance Sheet (AUD)

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	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	45	63	173	221	170	209	258	352
+ Cash, Cash Equivalents & STI	40	35	84	77	68	68	73	64
+ Cash & Cash Equivalents	40	35	84	77	68	68	73	64
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	5	26	82	139	96	132	168	261
+ Accounts Receivable, Net	5	25	81	134	3	2	2	4
+ Notes Receivable, Net	- -	- -	- -	- -	93	131	165	255
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	1	5	- -	- -	2	3
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	- -	3	7	5	6	9	16	27
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	2	1	2	2	4	41	48
+ Property, Plant & Equip, Net	- -	1	1	1	- -	1	1	1
+ Property, Plant & Equip	- -	1	1	1	- -	1	1	1
- Accumulated Depreciation	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Investments & Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Investments	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	- -	1	1	1	2	3	40	48
+ Total Intangible Assets	- -	- -	1	1	1	2	2	3
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	1	1	1	2	2	3
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	- -	- -	- -	- -	1	1	38	44
Total Assets	46	65	174	223	173	213	298	400
+ Payables & Accruals	2	14	62	99	98	90	92	75
+ Accounts Payable	2	13	61	97	83	74	69	56
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	1	3	15	16	23	18
+ ST Debt	- -	- -	- -	- -	- -	94	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	94	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	2	7	8	2	3	13	15
+ Deferred Revenue	- -	- -	- -	- -	2	3	13	15
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	2	7	8	- -	- -	- -	- -
Total Current Liabilities	3	16	68	108	99	187	106	90
+ LT Debt	4	1	1	78	64	1	105	141
+ LT Borrowings	4	1	1	78	64	- -	104	140
+ LT Finance Leases	- -	- -	- -	- -	- -	1	1	1
+ Other LT Liabilities	- -	21	44	- -	1	2	- -	- -
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	21	44	- -	1	2	- -	- -
Total Noncurrent Liabilities	4	22	46	78	65	3	105	141
Total Liabilities	7	37	114	186	164	191	211	230
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	50	51	112	165	179	186	377	195
+ Common Stock	50	51	112	165	- -	- -	189	195
+ Additional Paid in Capital	- -	- -	- -	- -	179	186	189	- -
- Treasury Stock	- -	- -	- -	- -	4	6	9	24
+ Retained Earnings	-11	-24	-52	-127	-165	-158	-90	- -
+ Other Equity	- -	- -	- -	- -	-1	-1	-2	-1
Equity Before Minority Interest	38	27	60	38	9	22	88	170
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	38	27	60	38	9	22	88	170
Total Liabilities & Equity	46	65	174	223	173	213	298	400
Shares Outstanding	5	5	5	5	5	34	34	34
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	1	1	1
Net Debt	-36	-34	-83	1	-4	27	31	76
Net Debt to Equity	-93.13	-125.23	-138.12	2.59	-48.08	122.23	35.07	44.72
Tangible Common Equity Ratio	83.97	41.9	34.23	16.58	4.39	9.58	28.86	41.95
Current Ratio	15.61	4.03	2.53	2.06	1.72	1.12	2.44	3.92
Cash Conversion Cycle	- -	- -	-273.22	- -	-157.76	-330.43	-221.23	-167.56

Cash Flow Statement (AUD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	- -	- -	- -	- -	-38	7	79	133
+ Depreciation & Amortization	- -	- -	- -	- -	1	1	1	1
+ Non-Cash Items	- -	- -	- -	- -	51	35	56	132
+ Stock-Based Compensation	- -	- -	- -	- -	10	7	5	7
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	-17	3
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	- -	- -	- -	41	28	68	123
+ Chg in Non-Cash Work Cap	- -	- -	- -	- -	-5	-68	-5	-57
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	4	-62	-13	-36
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	-1	-1	-5	-7
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	-9	-7	11	-15
+ Inc (Dec) in Other	- -	- -	- -	- -	2	1	2	1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	- -	- -	- -	- -	9	-26	131	210
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-1	-1	-1	-1	-1	-1	-3
+ Acq of Fixed Prod Assets	- -	- -	- -	-1	- -	- -	- -	-1
+ Acq of Intangible Assets	- -	- -	- -	-1	-1	-1	-1	-2
+ Cash (Repurchase) of Equity	- -	- -	58	27	- -	-2	-24	-65
+ Increase in Capital Stock	- -	- -	61	30	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	-2	-3	- -	-2	-24	-65
+ Net Change in LT Investment	- -	- -	- -	- -	- -	- -	- -	- -
+ Dec in LT Investment	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc in LT Investment	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	- -	- -	- -	- -	- -	- -	-90	-179
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	- -	-1	-1	-1	-1	-1	-91	-182
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	- -	6	19	38	-14	30	10	36
+ Cash From Debt	- -	6	87	175	71	55	107	181
+ Repayments of Debt	- -	- -	-68	-137	-85	-25	-97	-145
+ Other Financing Activities	- -	44	- -	-2	-2	- -	3	3
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	- -	50	78	63	-16	28	-10	-25
Effect of Foreign Exchange Rates	- -	- -	- -	- -	-1	- -	-1	1
Net Changes in Cash	- -	49	77	62	-8	1	29	3
EBITDA	- -	-11	-28	-69	-47	23	69	164
EBITDA Margin (%)	- -	-68.86	-47.73	-59.88	-37.58	14.47	25.61	36.45
Free Cash Flow	- -	-1	-1	-1	8	-27	129	207
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	- -	- -	- -	- -	- -	-12	- -	207
Free Cash Flow to Equity	- -	6	19	37	-5	4	141	246
Free Cash Flow per Basic Share	- -	-0.03	-0.02	-0.04	0.22	-0.8	3.83	6.11
Price/Free Cash Flow	- -	- -	34.21	7.8	0.15	-4.79	11.58	10.67
Cash Flow to Net Income	- -	- -	- -	- -	-0.22	-3.62	1.66	1.58
Capital Expenditures	- -	-1	-1	-1	-1	-1	-1	-3