Sezzle Inc. (SEZL) Q4 2025 Earnings Call Transcript

SA Transcripts158.71K FollowersFollow5ShareSaveCommentsQ4: 2026-02-25 Earnings SummaryPlay CallPlay CallSlidesPR10-KEPS of $1.21 beats by $0.25 | Revenue of $129.87M (32.22% Y/Y) beats by $2.28M Sezzle Inc. (SEZL) Q4 2025 Earnings Call February 25, 2026 5:00 PM EST Company Participants Charles Youakim - Co-Founder, Executive Chairman & CEOLee Brading - Chief Financial Officer Conference Call Participants Mike Grondahl - Northland Capital Markets, Research DivisionRayna Kumar - Oppenheimer & Co. Inc., Research DivisionHarold Goetsch - B. Riley Securities, Inc., Research DivisionHoang Nguyen - TD Cowen, Research DivisionKyle Peterson - Needham & Company, LLC, Research Division Presentation Operator Good day, and welcome to the Sezzle Inc. Fourth Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Charlie Youakim, CEO and Executive Chairman. Please go ahead. Charles YouakimCo-Founder, Executive Chairman & CEO Thank you, and good afternoon, everyone, and welcome to Sezzle's Fourth Quarter and Full Year 2025 Earnings Call. I'm Charlie Youakim, CEO and Executive Chairman of Sezzle. I'm joined today by our new CFO, but a familiar face and voice for you all, Lee Brading. In conjunction with this conference call, we filed our earnings announcement with the SEC and posted it along with our earnings presentation on our investor website at sezzle.com. To retrieve the documents, please go to the Investor Relations section on our website. Please be advised of the cautionary note on forward-looking statements and the reconciliation of GAAP to non-GAAP measures included in the presentation, which also covers our statements on today's call. Before diving into our prepared slides, I'd like to take a step back and put 2025 in context. 2025 brought a shifting landscape for BNPL and for fintech more broadly. We continue to see the sector mature within the broader U.S. financial ecosystem as BNPL became more embedded in everyday commerce and more firmly established within the financial ecosystem. One notable development this year was the