What is SEZL's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for SEZL.

Stock Ratings / Financials / SEZL / options

CACC (50) NNI (53) RIOT (33) FIGR (50) ⌘ Pro Terminal →

Sezzle Inc. (SEZL) Options Positioning, Max Pain & Unusual Sweeps

$128.32 -4.84% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $127.51

Sezzle Inc. (SEZL) earns a Roarable Rating of B+ (Buy) with 79/100 RQD Confidence. High-quality cash engine (steady margins, 39% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 79/100 (B+) historically ranked in the Top 9% of excess returns over the next 90 days (+8.1% avg 90D alpha vs SPY • 71.0% hit rate) →

ROARABLE B+ • BUY Cap $4.56B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SEZL Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SEZL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Sezzle Inc. (NASDAQ: SEZL) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 79/100 at a spot price of $128.32 (-4.84% 1D, market cap $4.56B). Pillar breakdown: Fundamental Cash Engine 20/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SEZL ranks #11 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SEZL compare to CACC and NNI in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), SEZL carries a Roarable B+ (79/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 38.6%. By comparison, CACC (Credit Acceptance Corporation) holds a D grade (50/100 RQD, P/E N/A, ROIC 0.0%, cap $4.71B) and NNI (Nelnet Inc.) posts a D+ grade (53/100 RQD, P/E 10.3x, ROIC 11.6%, cap $4.38B). Among the 5-stock peer group, NNI leads on earnings multiple (10.3x) while SEZL leads on capital efficiency (38.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SEZL?

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Per SEZL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001662991), Sezzle Inc. generated $235.9M in revenue (+69.2% YoY), $133.1K in net income, and $209.3M in free cash flow against $400.2M in total assets and $103.7M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $127.51 (-0.63%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 20/20 (A+) • 88.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 79/100 (B+) historically ranked in the Top 9% of excess returns over the next 90 days (+8.1% avg 90D alpha vs SPY • 71.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B+

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw A · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+9.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SEZL)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (79/100 Composite)

🔍 WHY SEZL SCORES 79/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+20/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 88.7% FCF Margin ($209.3M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Whale & Options Positioning+16/20 pts (20% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▼ #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (59.2) create a -8 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B$123.11+10.6% Next Q

Q2 (-2Q)

Grade B+$136.22-4.6% Next Q

Q3 (-1Q)

Grade B+$130.02-1.3% Next Q

Current

Grade B+$128.32+8.1% Hist 90D α

Trajectory: B (71) → B+ (79)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SEZL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 79/100 (B+) score, SEZL faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($121.58) or 200D SMA ($109.61) invalidates the momentum regime and cuts Target Base ($140.45) toward Bear Floor ($105.22).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SEZL• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SEZL Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 79%NO 21%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±12.5%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (SEZL)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for SEZL.

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Whale Flow & Momentum Playbook: Evaluating SEZL & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on SEZL
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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SEZL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +49.28%📐 HORIZONTAL RANGE

2026-11-03O $133.9H $134.9L $128.3C $128.3VOL 635.0K

RES: $142.9SUP: $96.71SMA50: $121.6SMA200: $109.6

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SEZL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SEZL Butterfly Map → + Track SEZL →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

24.8%/yr Implied 5Y Growth

vs. +69.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SEZL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SEZL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SEZL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SEZL)

Financials Rank #11 of 1096 ⚔️ CACC vs SEZL Full Matrix →

1. Head-to-Head Financials Peer Comparison (SEZL vs. CACC, NNI, RIOT, FIGR)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Sezzle Inc. (SEZL) ranks #11 by composite RQD confidence (79/100, grade B+) and #285 by equity capitalization ($4.56B). Within this direct 5-issuer industry benchmark cohort, NNI leads on earnings valuation at 10.3x trailing P/E, while SEZL leads on capital efficiency and profitability with 38.6% ROIC and — gross margin. SEZL currently leads its immediate peer cohort in composite quantitative strength at 79/100 (B+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SEZL ACTIVE Sezzle Inc.	B+	79/100	—	—	38.6%	-4.84%	$4.56B	Benchmark Subject
CACC Credit Acceptance Corporation	D	50/100	—	—	0.0%	+4.27%	$4.71B	/cacc-vs-sezl →
NNI Nelnet Inc.	D+	53/100	10.3x	—	11.6%	+1.47%	$4.38B	/nni-vs-sezl →
RIOT Riot Platforms Inc.	E	33/100	—	—	-15.3%	-7.57%	$4.81B	/riot-vs-sezl →
FIGR Figure Technology Solutions Inc.	D	50/100	39.5x	—	21.9%	+0.97%	$4.84B	/figr-vs-sezl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001662991

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Sezzle Inc. (SEZL) reported GAAP revenue of $235.9M (+69.2% vs. FY2024 revenue of $139.4M , and +289.1% cumulative change since FY2023) , GAAP net income of $133.1K, operating cash flow of $209.9M, and free cash flow of $209.3M (+60.3% YoY). On the balance sheet, SEZL closed FY2025 with $400.2M in total assets against $103.7M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 9/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$235.9M	$133.1K	$209.9M	$209.3M	$400.2M	$103.7M
FY2024 (FY)	2024-12-31	$139.4M	$78.5K	$130.6M	$130.6M	$298.4M	$94.7M
FY2023 (FY)	2023-12-31	$60.6M	$7.1K	-$25.7M	-$28.4M	$2.49B	$582.0M

3. SEZL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SEZL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does SEZL compare to CACC and NNI in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for SEZL?

Where is SEZL trading relative to its 50-day, 200-day, and 52-week technical levels?

SEZL last traded at $128.32 (-4.84% on volume of 758,665 shares), positioning the stock +5.54% above its 50-day simple moving average ($121.58) and +17.07% above its 200-day simple moving average ($109.61). Across its 52-week range of $49.50 to $195.71, SEZL sits at the 53.9% percentile with a 14-day RSI of 59.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.5% ($112.28 to $144.36).

Direct Sub-Reports: SEZL RQD Cockpit SEZL 12M Forecast SEZL Earnings & Move SEZL Dividends & DRIP SEZL Insiders & 13F SEZL Whale Options SEZL Profit Sankey SEZL News & Why

ROARABLE RATING BRIEF • RQD 79/100 (B+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

SEZL — Sezzle Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:21:26Z

1. Roarable Rating Brief: What This Means to a Prospective Investor

SEZL scores 80 out of 100 (letter grade B+, verdict "Roarable Buy — Very Good Cash & Smart-Money Inflow"). Across the five pillars:

Fundamental cash engine: 20 / 20. this reflects ROIC of 38.6% and an FCF yield of 4.63%. This is the strongest pillar and suggests the business generates substantial returns on invested capital relative to the cash it consumes. The FCF yield of 4.63% is the valuation counterweight: a prospective investor is paying a price that implies this level of cash generation, not a deep discount to it.
Whale 13F flow: 16 / 20. this pillar reflects institutional accumulation and options positioning.
Insider conviction: 16 / 20. this reflects SEC Form 4 and Congressional PTR cluster flow. The underlying transactions are not itemized in the source data.
Macro regime fit: 13 / 20. this reflects a beta of 1.16 and sector sensitivity. A beta above 1.0 indicates the stock has historically moved more than the broad market, so drawdowns in risk-off environments could be amplified.
Forensic balance sheet: 15 / 20. this reflects an Altman Z-Score of 2.5, a Piotroski F-Score of 9/9, and Debt/Equity of 0.5. The 9/9 Piotroski reading indicates strong fundamental health signals; the Z-Score of 2.5 sits in a range that warrants attention rather than signaling distress outright.

Investor implications. The upside drivers in this profile are the high ROIC and the strong forensic signals. The principal valuation tradeoff is that the stock trades at an EV/EBITDA of 25.7 and a price of 133.86 against a 52-week range of $49.5–$195.71, meaning the shares have moved sharply in both directions over the past year. The rating does not tell a prospective investor whether the current price is appropriate; it summarizes the strength of the cash, ownership, and balance-sheet signals as captured in the source data.

2. Business Model, Unit Margins & SEC Financial Trajectory

Sezzle Inc. (SEZL) is listed on NASDAQ and classified in the Financials sector, Finance: Consumer Services industry,. Revenue, operating income, and free cash flow figures appear in the SEC financials section, but the sources do not state how those revenues are earned.

Revenue rose from $60.6M in FY 2023 to $235.9M in FY 2025, and operating income rose from $22.2M to $176.8M over the same span. Reported net income is $0.1M in both FY 2025 and FY 2024, so net margin is 0.1% per the market data, far below operating margin of 74.9%. ROIC is 38.6%, the Altman Z-Score is 2.5, and the Piotroski F-Score is 9/9. Debt fell from $582.0M in FY 2023 to $103.7M in FY 2025 while cash was $64.1M at FY 2025 year-end.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case: Fundamental cash engine scores 20/20 with ROIC of 38.6% and Piotroski F-Score 9/9 while debt fell from $582.0M to $103.7M. With Fundamental Cash Engine at 20/20 (ROIC 38.6%, FCF yield 4.63%) and Institutional Whale Flow at 16/20, sustained execution supports upside toward the top of the $49.50 – $195.71 52-week range.
🐻 Primary Bear Case: Shares trade at EV/EBITDA 25.7 with beta 1.16 and net margin of only 0.1% despite operating margin of 74.9%. Investors must weigh current valuation and 25.7x EV/EBITDA against 74.9% operating margins and a 1.16 macro beta if sector demand softens.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The sector is Financials and the industry is Finance: Consumer Services. The source data therefore does not identify upstream suppliers, downstream customers, sector correlations, or second-order bottlenecks. A prospective investor should note that consumer credit and checkout-financing conditions are not quantified in these sources and cannot be assessed from them.

Key Question #1: What explains the gap between operating margin of 74.9% and net margin of 0.1%?
Key Question #2: What is the company's cash balance and debt trajectory beyond FY 2025, and what drove the FY 2023 debt of $582.0M?
Key Question #3: What is the Altman Z-Score's reliability for this company's business model, and how does it compare to peers?

SEZL Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Sezzle Inc. (SEZL) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SEZL Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 20h ago

Sezzle (SEZL) Stock May Look Rich On Fresh BNPL Checkout Survey

Yahoo Finance report covering Sezzle Inc. (SEZL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 23h ago

Sezzle: Recent Pullback Provides A Good Entry Point (NASDAQ:SEZL)

Seeking Alpha report covering Sezzle Inc. (SEZL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance Singapore • 1d ago

Sezzle Inc. (SEZL) stock price, news, quote and history

Yahoo Finance Singapore report covering Sezzle Inc. (SEZL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 1d ago

Sezzle Inc (SEZL) Stock Up 3.2% but GF Value Says Overvalued -- GF Score: 82/100

GuruFocus report covering Sezzle Inc. (SEZL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Sezzle (Nasdaq:SEZL) - Stock Analysis

Simply Wall St report covering Sezzle Inc. (SEZL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

91% of surveyed users say Sezzle's money lessons help with financial decisions.

Stock Titan report covering Sezzle Inc. (SEZL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST GuruFocus • 1d ago

A Look at Sezzle Inc (SEZL) After 9.7% Gain -- GF Value $95.31 v

GuruFocus report covering Sezzle Inc. (SEZL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 3d ago

10 Financials Stocks Whale Activity In Today’s Session

This whale alert can help traders discover the next big trading opportunities. Whales are entities with large sums of money and we track their transactions here at Benzinga on our options activity scanner. Traders will

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SEZL Bull vs. Bear Conversation Board — What's Your Call at $128.32?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SEZL 🐻 33% BEARISH CONVICTION

MA MacroHawk_NYC Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $171.26 (+27.0%)

📌 Pinned Debate

Fundamental cash engine scores 20/20 with ROIC of 38.6% and Piotroski F-Score 9/9 while debt fell from $582.0M to $103.7M.

Fundamental cash engine scores 20/20 with ROIC of 38.6% and Piotroski F-Score 9/9 while debt fell from $582.0M to $103.7M.. When you look under the hood at SEZL, Fundamental Cash Engine is 20/20 with 0.0% gross margins and 38.6% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (16/20) has been quietly accumulating below $195.71. My 12M target is $171.26.

EarningsSniper 🐂 BULL

@MeanReversion_88 Shorting a 16/20 institutional whale-flow stock at $134.85 is dangerous when funds are rotating into Financials.

ME MeanReversion_88 Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $102.49 (-24.0%)

Spot @ $134.85

Shares trade at EV/EBITDA 25.7 with beta 1.16 and net margin of only 0.1% despite operating margin of 74.9%.

Shares trade at EV/EBITDA 25.7 with beta 1.16 and net margin of only 0.1% despite operating margin of 74.9%.. Look at the math on SEZL: paying current EV/EBITDA multiples for 38.6% ROIC and 74.9% operating margins leaves zero margin of safety if Finance: Consumer Services demand softens. I'd wait for a retest of $118.67 before getting long.