Should I buy Sezzle stock in 2025? NZ Insights & Advice

What is Sezzle?

How much is the Sezzle stock?

The price of Sezzle stock is falling this week. As of the latest close, Sezzle trades at $109.15 USD, marking a 24-hour decrease of 1.99% and a weekly drop of 3.65%.

With a beta of 3.04, investors should be aware of high price volatility compared to broader markets—an important factor to consider when assessing potential opportunities in a fast-growing sector.

Our complete analysis on Sezzle stock

After rigorously examining Sezzle Inc.'s most recent financial statements and evaluating the stock’s performance trajectory over the past three years, our analysis brings together financial metrics, technical indicators, market data, and comparative sector studies—each processed through our proprietary screening models. This comprehensive approach enables us to surface nuanced insights on Sezzle’s prospects within the dynamic fintech landscape. So, why might Sezzle stock once again emerge as a strategic entry point into the rapidly growing global “Buy Now, Pay Later” sector in 2025?

Recent Performance and Market Context

Sezzle’s stock performance over the past year has been nothing short of spectacular. As of 30 May 2025, SEZL closed at $109.15, capping an extraordinary 716.8% gain over 12 months—a meteoric rise positioning it amongst the top-performing fintech equities globally. While the past week brought a 3.65% decline and the latest intraday session finished down 1.99%, this measured consolidation is to be expected after such extended upside momentum.

Several pivotal events underpin this outperformance:

• Q1 2025 results: Revenue surged to $104.9 million, exceeding consensus by more than 60%, and net profit quadrupled year-on-year to $36.2 million.
• Upwardly revised 2025 guidance: Net profit projections for the year were lifted to $120 million, a 49% increase from earlier forecasts.
• Innovative product launches: Sezzle introduced features such as Pay-in-5, enhanced shopping tools, and Sezzle Balance, further cementing its position as a BNPL innovator.
• Strategic actions: The 6-for-1 stock split and declaration of a $50 million share repurchase programme in March 2025 have both contributed to sustained investor confidence.

The broader macro context is equally supportive. Consumer adoption of BNPL solutions continues to accelerate, especially among millennial and Gen Z cohorts—a demographic segment particularly relevant for the NZ market, given similarities in digital adoption trends with North America. The sector also benefits from a generally benign rate environment and favourable regulatory signals, especially in the North American and Australasian regions, spurring capital inflows into high-growth fintech disruptors.

Technical Analysis

Technically, Sezzle displays classic hallmarks of a stock in a strong bullish trend, but also signals a pause which prudent investors will appreciate.

• Moving averages: With the 20-day, 50-day, 100-day, and 200-day simple moving averages all trending sharply upwards (currently $83.16, $56.89, $50.02, and $44.35 respectively), the long-term structure is robust. Notably, a ‘golden cross’ pattern is confirmed, reinforcing a technical bull signal.
• Relative Strength Index (RSI): At 89.66, the RSI sits in a clear overbought zone, suggesting recent gains may consolidate or pause near-term—often a healthy dynamic in high-growth equities as they digest prior rallies.
• MACD: The MACD remains positive (15.79), though it too suggests short-term overextension.
• Key levels: Immediate support is found at $107.60, with strong resistance at the $115.84 recent high. The 52-week trading range of $11.50–$115.84 demonstrates the stock’s exceptional re-rating, but also highlights volatility.
• Momentum: Despite the short-term technical overextension, the formation remains constructive, and any healthy retracement toward the support zone could provide investors with an attractive medium-term entry.

In summary, while a brief technical respite is probable, the medium- and long-term structure remain decisively bullish—the type of set-up favoured by institutional buyers seeking to accumulate on weakness.

Fundamental Analysis

Sezzle’s fundamentals have pivoted from growth-at-all-costs to disciplined, profitable expansion—a transition highly valued by the market.

• Revenue growth: Top-line expansion remains breathtaking, with Q1 2025 revenues up 123.3% year-on-year and management guiding a full-year 60–65% increase—well ahead of sector averages.
• Profitability: Operational leverage is now clear. Q1 operating margin stood at 47.6%, and net profit reached $36.2 million, nearly four times last year’s figure. EPS hit $1.00 for Q1 2025 (vs. $0.22 prior), reinforcing the business's ability to convert scale into bottom-line delivery.
• Valuation: Despite intense appreciation, Sezzle’s P/E ratio stands at 36.89, which, while higher than the S&P 500 average, is well justified for a company growing at triple-digit rates. The Price/Sales ratio also benefits from the company’s high and expanding margins, and analysts point toward favourable PEG (price/earnings-to-growth) dynamics.
• Innovation and moat: Sezzle’s continual product innovation (notably Pay-in-5 and AI-driven shopping enhancements) and expansion into high-value merchant partnerships signal a widening moat, increased user engagement, and deepening merchant integration—fundamental strengths that bode well for sustaining elevated growth rates.
• Brand and ecosystem: With strategic alliances (such as WebBank in the U.S.), and a fast-growing merchant and consumer base, Sezzle exhibits network effects that are notoriously difficult for new entrants to disrupt.

For investors prioritising both growth and emerging profitability, Sezzle’s metrics compare exceptionally favourably to incumbent BNPL and broader fintech peers, reinforcing the argument for renewed attention even after its re-rating.

Volume and Liquidity

Liquidity is a vital consideration, particularly for institutional and larger retail investors.

• Volume: SEZL’s trading volume remains robust, averaging 1.08 million shares over the past 65 days—a figure that speaks to healthy secondary market activity and institutional interest. The latest day saw 781,600 shares change hands, underscoring resilience even during periods of minor consolidation.
• Float: Out of 33.29 million shares outstanding, the float sits at 16.66 million—a sizeable public float that not only supports liquidity but leaves room for further dynamic price discovery. This level of liquidity helps moderate bid–ask spreads and supports confidence among both short-term traders and medium-term investors.

In tandem, these factors signal a market consensus: confidence in Sezzle’s trajectory is matched by the willingness of participants to transact at significant volume, both during rallies and consolidations.

Catalysts and Positive Outlook

Looking ahead, Sezzle is strategically positioned to capitalise on multiple catalysts likely to provide ongoing uplift:

• Product innovation: The rollout of Pay-in-5, AI-powered shopping tools, and the Sezzle Balance feature are designed to elevate user stickiness and drive transaction frequency across its integrated merchant base.
• Expansion into premium merchant partnerships: Added partnerships with high-profile retailers (e.g., Scheels) extend Sezzle’s reach into lucrative retail segments and drive up Gross Merchandise Volume (GMV), which grew 64.1% YoY in Q1 2025.
• Shareholder-oriented initiatives: The recent $50 million share buyback underscores management’s conviction in intrinsic value and benefits holders by reducing supply.
• Sector-wide tailwinds: Broader BNPL sector growth, estimated to outpace wider payments and lending platforms in North America and Australasia, aligns directly with Sezzle’s core competencies and strategic presence in the US and Canada.
• Guidance lifts and management execution: The substantial upgrade in forward guidance and demonstrated ability to defy analyst estimates sets the stage for further positive surprises—an especially powerful dynamic as additional quarterly results approach.
• ESG and regulatory tailwinds: Sezzle’s proactive positioning on regulatory compliance and its focus on transparent, responsible lending positions it as a preferred platform for both merchants and consumers—as well as institutional investors with ESG mandates.

These combined drivers create an optimal context for further upside, particularly for those positioned ahead of the next round of product and partnership announcements.

Investment Strategies

Given the interplay between technical and fundamental indicators, Sezzle presents a broad spectrum of potential entry strategies:

• Short-term: For traders, the brief consolidation zone near $107.60 offers an appealing technical entry, allowing participation in near-term rebounds toward the $115–$120 range should momentum resume.
• Medium-term: Investors seeking to capitalise on multi-month earnings momentum may favour accumulating during any technical dips or in the wake of profit-taking rounds, keeping an eye on upcoming earnings as key catalysts.
• Long-term: Those with a strategic horizon can view Sezzle as an emergent sector champion, benefiting not only from continued double-digit revenue and earnings growth but also the company’s increasingly defensible competitive position. Locking in exposure during temporary retracements has historically offered outperformance versus the sector.
• Ideal positioning: Allocating at or just above technical support, or ahead of major product or partnership updates, enables investors to harness both technical recovery potential and the compounding force of fundamental news flow.

Is it the Right Time to Buy Sezzle?

To summarise, Sezzle combines rare triple-digit growth, improving and expanding profitability, sector leadership in BNPL innovation, and substantial operational momentum—with all signs pointing toward sustained outperformance. The current technical set-up, while showing a short-term pause after a pronounced rally, is matched by robust support, liquidity, and a string of near-term and structural catalysts. Valuation, though elevated by historical standards, appears well supported given the trajectory of earnings and revenue expansion.

For investors in New Zealand—and globally—seeking exposure to transformative fintech platforms, Sezzle seems to represent an excellent opportunity at the intersection of innovation and profit acceleration. The strong bullish outlook, coupled with structural and sectoral tailwinds, justifies renewed and serious consideration for those aiming to participate in the next phase of BNPL expansion.

With its combination of innovation leadership, operational discipline, and sector tailwinds, Sezzle stands poised to capture the next wave of growth in digital consumer finance—a dynamic that makes it very compelling for those seeking to invest strategically in the fintech revolution.

How to buy Sezzle stock in New Zealand?

Buying Sezzle (SEZL) shares online is simple and secure for New Zealand investors, as long as you use a trusted, regulated broker. You can purchase Sezzle stock outright (spot buying), or opt for short-term trading via Contracts for Difference (CFDs), depending on your goals and risk appetite. Spot buying makes you a direct shareholder, while CFDs let you speculate on price movements with added flexibility and leverage. Both options are available with most NZ-facing online brokers. To help you choose, you’ll find a comprehensive broker comparison further down the page.

Spot Buying

A spot, or cash, purchase means that you buy Sezzle shares directly, becoming a part-owner in the company. With this method, you hold the shares in your account for as long as you like, benefiting from any price appreciation (or dividend, though Sezzle currently pays none). Most NZ online brokers charge a fixed commission per order—typically between NZ$3 and NZ$10, depending on the platform.

Example

Suppose Sezzle is trading at US$109.15 and the NZD/USD exchange rate is 0.62 (1 NZD ≈ 0.62 USD). With a NZ$1,000 investment (≈US$620), you could buy around 5 Sezzle shares (US$109.15 × 5 ≈ US$546), factoring in a brokerage fee of about NZ$5.
✔️ Gain scenario:
If Sezzle shares rise by 10%, your position is now worth NZ$1,100.
Result: +NZ$100 gross gain, a +10% return on your investment.

Trading via CFD

CFDs (Contracts for Difference) allow you to trade on Sezzle’s share price without owning the underlying stock. This method is popular for those seeking flexibility—CFDs can be bought or sold quickly, and you can use leverage to increase your market exposure. Instead of a fixed commission, brokers typically charge a spread (margin between buy and sell price), plus an overnight financing cost if you keep positions open beyond the trading day.

Example

You open a CFD position on Sezzle shares with NZ$1,000 at 5x leverage, giving you exposure to NZ$5,000.
✔️ Gain scenario:
If Sezzle rises by 8%, your position gains 8% × 5 = 40%.
Result: +NZ$400 gain on a NZ$1,000 outlay (excluding spread and any overnight fees).

Final Advice

Before you invest, it’s crucial to compare each broker’s conditions, fees, available markets, and support services. Consider your objectives: do you want to own Sezzle shares for the long term, or are you looking for trading flexibility and leverage? Your choice of method should match your goals, investment horizon, and risk tolerance. For a detailed overview of broker costs and features available in New Zealand, consult the comparison table found further down this page.

Our 7 tips for buying Sezzle stock

The latest news about Sezzle

Sezzle shares have delivered an extraordinary one-year gain of 716.79% as of 30 May 2025. This performance outpaces both the Nasdaq and sector peers, supported by 6-month gains and a robust trajectory since the 6-for-1 stock split in March 2025. While short-term volatility is evident, the company's long-term growth trend underscores strong investor confidence and interest, including from New Zealand-based institutions and retail investors who seek exposure to high-growth fintech companies listed in the US.

Sezzle’s first quarter 2025 financials far exceeded analyst expectations, driving positive sentiment among global investors. Reporting revenue of $104.9 million—a 123.3% year-on-year increase—and a net profit of $36.2 million, the company outperformed the consensus forecast by a substantial margin. This strong execution and upgraded guidance for annual net profit (now to $120 million, up from $80.4 million) reinforce Sezzle's positioning as a BNPL leader and further validate its appeal for investors in New Zealand, where fintech market growth mirrors broader international trends in digital payments innovation.

The May 2025 launch of new features, including Pay-in-5 and enhanced shopping tools, strengthens Sezzle’s technological leadership. These innovations meet changing consumer preferences and boost user engagement, a key positive signal for professional analysts monitoring competitive differentiation and platform stickiness. New Zealand consumers, increasingly early adopters of BNPL and advanced payment solutions, could benefit from such advancements if and when Sezzle expands or deepens its regional partnership, echoing the strategic focus observed in North America.

Technical indicators point to robust underlying momentum, though with signals of short-term overbought conditions. All major moving averages (20, 50, 100, and 200-day) are in a buy signal formation, highlighted by a ‘golden cross,’ indicating a major uptrend remains in place. However, an RSI of 89.66 and MACD in sell territory suggest consolidation or a pullback is probable in the immediate term, which professional financial analysts in New Zealand should monitor for tactical entry or risk mitigation, especially given the stock’s high volatility (beta 3.04).

Sezzle’s core fundamentals—strong cash reserves, impressive margin expansion, and rapid GMV growth—strengthen its long-term outlook. With $120.9 million in cash, a 47.6% operating margin, and Q1 GMV up 64.1% year-on-year, Sezzle demonstrates resilient operational health and scalability. These achievements, combined with a North American focus and potential for future regional expansion, make the stock particularly relevant for NZ-based analysts seeking to track fintech disruptors with proven financial execution and sustainable growth paths.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.