Sezzle Inc. published the transcript of its Fourth Quarter 2025 Earnings Conference Call, held Wednesday, February 25, 2026. The call was attended by Executive Chairman and CEO Charles Youakim and CFO Lee Brading, along with analysts in the Q&A. Management highlighted strong growth and profitability in 2025, with fourth-quarter revenue up 32.2% and full-year revenue up 66.1% to $450.3 million. GAAP net income was $42.7 million in Q4 and $133.1 million for the full year, while adjusted net income reached $128.4 million in 2025. Brading pointed to expanded efficiency, noting adjusted EBITDA margin of 44.9% in Q4 and improved transaction-related costs, which fell to 35.7% of revenue in the quarter. Sezzle introduced 2026 guidance calling for 25% to 30% total revenue growth and $170 million of adjusted net income, while raising adjusted EPS guidance to $4.70. “These targets reflect our expectation that we can continue to scale the platform while maintaining a disciplined cost structure and strong unit economics,” Youakim said. The company also discussed product and ecosystem expansion, including an expected near-term launch of Sezzle Mobile, and longer-term exploration of deposit accounts and secured credit cards. “Sezzle Mobile fits that strategy well because it delivers tangible value,” Youakim said, adding that Sezzle believes it can significantly reduce consumers’ phone bills. He later disclosed, “The partner is AT&T, is who we’re working with through an intermediary.” On regulation and strategy, Youakim addressed New York’s BNPL-related proposals and reiterated interest in pursuing an Industrial Loan Company charter as a defensive and long-term strategic move: “We are currently in the discovery phase… and anticipate submitting an application here in the first half of 2026,” Brading said. The full transcript can be accessed through the link below.

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