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Great post. Love new names and some actual solid DD. SEZL is a very solid play and I would add but I own DLO, NU and SOFI in the FinTech space. I know Zoomd well. I have mostly M-Cap and L-Cap. I have one more to add. 35 yrs investing and by far my most exciting small - well micro is GMGI since they acquired Meridanbet & Expanse Studios. IMO GMGI since the 2 acquisitions is the largest miss-pricing I have come across. It is truly a 10x asymmetric play that I feel has very limited risk at current levels. **GMGI trading at .65 cent will pull a conservative $210 mil + this year alone. @ .65 that’s .4x in avg 2.5x sector, 141 mil shares = $91 mil - unreal price disconnection.** AND they are growing double digits GLOBALLY. All 5 GMGI subsidiary companies turning profitable will no doubt drive SP in next few qtrs. MeridianBet alone was appraised $300 mil - $400 mil in value prior acquisition a yr and half ago before it's recent growth, multiple additional countries licensed, including coveted Brazil Lic (1 of about 79 w/both sportsbetting and igaming) recent Fairbet acquisition, Betshops now 800, etc. That’s not considering profitable RKings or CFAC & MexPlay buildout next year. Now plug in Expanse Studios content makers meteoric rise adding 1300 operators /400% growth 60+ games, 20 countries + entrance in Brazil, Sweden, Canada, Croatia, USA, etc and consider the multiples of growing “mobile first” content makers like Hacksaw @ 8x. GMGI is now processing (well Mbet) a 2-3 billion dollar handle - 5th Gen Atlas completely rolled out, all companies turning profitable (like RSI that just ran $2 - $20) It is 85% insider owned and Mbet insiders are in @ $3, RKings $8. Thats a hell of a lot of confidence their companies are going to continue to execute. GMGI used a decentralized acquisition model leaving existing CEOs in place to continue to do what they do best. AI or Google the CEOs and founders involved: Mbet’s Zoran Milosevic, Expanse Studios: Damian Stamenkovic, RKings: Mark Weir - I researched these guys in depth. They are LT head down fiscally conservative grinders with long histories of execution and Zero borrowing - now with skin in the game. The old Golden Matrix CEO Goodman is out, prob due to SP drop it, but I really don’t have anything bad to say about him. During the last 5 yrs he acquired 5 companies w/complex regulations and brought the GMGI rev from $2mil to $170mil - and got GMGI on Nasdaq. At a reasonable 2.5x multiple on this years conservative $220 mil is only a $550 mil market cap / 144 mil shares is $3.90/share. The pro analysts have a share value $2-$4 and up to $8 with any LatAm execution. Thats a 600% gain. With a fraction of Brazil market - setting up for 2026 World Cup -remember they are one of the 5% with their own 5th gen AI platform “Atlas” as well as out ability to source their tech, B2B content+ retail - I can see double that… Consider liquidity supply and demand - out of 141 mil shares, there are under 10 mil shares left available to retail after insiders, institutional, and main shareholders are taken out. Thats is insane and this will fly with any discovery - hence why I am on here posting to get some exposure! I have never seen a company growing at their rate globally with those numbers, low debt ratio and catalysts with a share price that disconnected. I am not an advisor and have had many expensive lessons! Do your own work. This is fun for me.
BNPL is eating into the credit card and banking business. Lots of regulatory risk with this administration, who is well-connected with the big banks. If they want a 10% cap on interest, they are pretty sure BNPL is going to suffer. SEZL is only in the US and CAD, where I can see big problems with State and Federal Regulators. SEZL is also the smallest player out there with $4.60 Book Value and 34 Million Shares Outstanding SEZL is too small of a player with many banks, shopping platforms, payment processors now offering their own BNPL. I don't see SEZL being a top 30 player in the long term. Merchant Base Decline: The company's own disclosures show a 51% decline in active merchants since 2021, falling to 23,000 by the third quarter of 2024 and that number is suspect. 1/5 of their revenue is subscription revenue, which is very suspect. Who charges customers to use a BNPL? The company has been accused of enrolling users into recurring monthly subscriptions without their clear knowledge, a practice highlighted in user complaints. Look at their negative user reviewers and BBB complaints. We offer our consumers the ability to subscribe to two paid services: Sezzle Premium and Sezzle Anywhere. Sezzle Premium allows consumers to shop at select large, non-integrated premium merchants, along with other benefits, for a recurring fee. Sezzle Anywhere allows consumers to use their Sezzle Virtual Card at any merchant online or in-store, subject to certain merchant, product, goods, and service restrictions, for a recurring fee. Subscription fees are recognized straight-line over the subscription period. Worthless company with only 34 million shares float creating a false value.
Interesting, I will check it out! I think SEZL has a lot of upside for 2026.
Anyone buying SEZL with the consumer credit to an all time high?
lol SEZL rating lowered price target ...from $83 to $82. Now the lowest rating is 82 with a median of 110 and avg of 102. wen lambo
Stocks like SEZL / AFRM up 4%, anyone know why?
SEZL up 4 points on the overnight market HOLY
Truly a tough choice... SEZL is way up, and I am up like 12% on shares, and I think it could keep running being so heavily shorted, but I am so tempted to just take the gains.
#TLDR --- Ticker: SEZL Direction: Up Prognosis: Buy Shares & Dec '26 Call Spreads (Target $120-$150) CEO Vibe Check: Telling the 31% Short Interest to "Bring it on"
SEZL fucks. 31% shorted and shrekdicking every day on low volume.
SEZL giving squeeze vibes. Been cranking up lately and 30% shorted. Position 296 shares at $71
Whoever tipped me off to SEZL, thank you, regard. o7
A huge advantage I see in SEZL is the quality of the management team. Charlie Youakim seems like a really sharp and competitive CEO. I think his vision allows Sezzle to stay ahead of the competition in terms of innovation; they were the first BNPL company to introduce things like subscription services and cashback opportunities. I expect them to keep innovating while competitors like Klarna and Affirm focus on longer-term loans and the move into digital banking as opposed to honing in on BNPL. This pitch I read about SEZL gave me some great insight into the management team - https://templargin.com/sezl.html.
I just want some more volume on SEZL. It would crank so fast.
SEZL 31% shorted trading well below analyst projections. Holding 295 shares and it has been cranking.
ALMU (Aeluma) — a small-cap semiconductor innovator with advanced sensor/communications tech and strong liquidity that could deliver asymmetric upside as it commercializes niche photonic products. BULL (Webull Corporation) — a rapidly growing digital brokerage platform that’s driving high revenue and customer assets growth with expanding products, improving earnings outlook, and broadening market adoption. SEZL (Sezzle Inc.) — a profitable, high-growth BNPL fintech beating revenue and earnings expectations, raising guidance, and trading at compelling multiples with strong runway in the expanding payments space.
Why KLAR and not SEZL? Just curious, have no position in either and trying to decide
That was so so long…been holding SEZL for a couple years now…pay day loans on steroids….
Credit Cards are high-interest, revolving debt traps. BNPL is 0% interest, fixed installments. Average CC interest rate is 24%. BNPL interest rate: 0% BNPL, particualrly SEZL, is way more consumer friendly than CCs. Theoretically theres mounting delinquencies.. SEZL is a subprime BNPL - theyre customers are always in a recession... Theoretically, these are the same borrowers defaulting on auto/student loans. But [SEZL](https://x.com/search?q=%24SEZL&src=cashtag_click) loss rates remain stable because the model is fundamentally different: In a tight economy, subprime consumers need the credit to cover cash flow gaps. In a good economy, spending increases driving up GMV and usage. Unique win-win setup. Fed research compliments the idea that people prioritize BNPL repayment and BNPL has lower default rate than non-BNPL credit "one risk of BNPLs is not about borrowers who dont repay BNPL loans but rather about borrowers who do.." prioritizing BNPL payment over insurmountable longer term obligations. https://preview.redd.it/bez8q8wwelbg1.png?width=1179&format=png&auto=webp&s=45ca1fe8e2ffc86397c70a2a90ba8a48538c8171
nobody mentioned SEZL today?
Nice! Good stuff. Yeah I understand peoples hesitancy re BNPL fore sure but I also think sometimes it can be misguided as Credit Cards are BNPL but everyone views true BNPL as inherently worse even though data and studies show the opposite to be true. SEZL having a day today!
And SEZL too, squeeze incoming?
What do you like about Shift4? And why them vs SQ or PYPL or even SEZL?
I’m looking at SEZL and seeing a potential short squeeze. Anyone confirm i’m not crazy?
SEZL continues to go on a strong run. Not the biggest fan of BNPL, but it was too cheap to pass up. A smaller defense company I own is having a great run too. Up like 30% yesterday and 7% today. There are some really great names out there, just need to turn over some rocks.
I am once again imploring you to buy SEZL, 10% gain today
SEZL is really cheap on what you are getting, not a fan of the space, but not bad. MSFT doesn't actually look too bad these levels. EVER is a boring auto insurance company but growing EPS and revenue with high ROIC. IBEX is buying back a ton of stock and trades at really cheap levels with a lot of growth.
Other stocks: Dying SEZL: +13% so far today
SEZL is BNPL, right? Its financials look ok here and that’s like a 4% buyback at current MC. Nice!
Nice day for SEZL after announcing 100M buyback.
SEZL will be buying 100m SEZL, et tu?
Bought SEZL less than 3 weeks ago and the stock has popped 15% since. BNPL companies are generally very risky but SEZL’s business model seems to be more sustainable than their competitors since their main revenue is not based on their customers going into perpetual debt.
Watching retail flow this morning and it’s a funny combo: **Bullish** * **$BLGO** – PFAS treatment play getting real industry love (AEC). Tiny name, big narrative. * **$ISSC** – literally trading like nobody noticed 20% ROIC + 27% growth. Discounted because it’s boring. * **$SEZL** – officially added to the S&P SmallCap 600. When funds *have* to buy, they buy. * **$NVDA** – China H200 shipments confirmed (again). Data center demand doesn’t care about TikTok bans. **Bearish** * **$PEP** – activist pressure to cut prices. Good for consumers, bad for margins. Pepsi might get “Ozempic’d.” **Neutral (eyes-on)** * **$SPY** – everyone waiting for NFIB + JOLTS + FOMC tomorrow. Market’s on mute mode until data hits. * **$AMD** – still in “regulatory rumor jail” thanks to the NVDA China mess. Could snap either direction depending on clarity.
I will continue to post SEZL until you buy it
Actually got SEZL from a thread by /u/offmychestties, so thanks mate.
Anyone know why SEZL just pumped 7% after hours?
SEZL had some DD that got me in a couple days ago but yeah it's been pretty sparce.
Thought my 12/19 $75 covered calls for SEZL were safe but I might actually lose my shares
SEZL and PEGA are having a nice little run.
I only started tracking my buys about 6 months ago but in those 6 months had a few that went really well... AMD(+85%) , GOOG(+98%), FSLR(+80%), ASML(+63%) , VIST(+40%) , SEZL(28%) , ADMA(29%) to name a few... However... 2 of my picks went badly lol: CMG(-25%) , TTD( -20%) (I have to be honest and show my losing picks too, its not always sunshine haha. Study your bad picks as much if not MORE than your wins as you can often learn a lot more from them)
Nice pickup! What's the deal with SEZL anyway?
I’m still kicking myself for not doing a position in SEZL lol. Posted about a few days ago and it’s been running. Not the biggest fan of the business, but one of those names that have gotten really cheap.
It's not too late to join the SEZL train
Don't own it, but what an interestin stock SEZL is is. Still growing revenues at pretty high rate, with a relatively low float and decent amount on of insiders that own the stock. The fundamentals look so wonky, with like stock analysis showing a PEG of .05 and Finviz showing .37 [https://stockanalysis.com/stocks/sezl/statistics/](https://stockanalysis.com/stocks/sezl/statistics/) [https://finviz.com/quote.ashx?t=SEZL&p=d](https://finviz.com/quote.ashx?t=SEZL&p=d) Seems like it has really sold off from it's highs. Just don't know if I want to buy a BNBL company, but what an interesting disconnect between what the market seeing and the fundamentals.
SEZL needs to wake tf up before I lose the house
The IV of SEZL options are quite high, so yeah you would want to either stick to shares or minimize catastrophic loss chance and stick to ATM/slightly ITM. I genuinely see a minimum 50% upside from current prices within the next couple of months. Assuming no black swan event
Do you only own options or stocks as well? And how big are you going for SEZL? Thanks
I think this happened with most stocks. Opened crazy green then went red or ended much lower. Like SEZL or NBIS.
All in on SEZL after earnings today.
I actually did some research into SEZL and looked at their Investor Presentation on their Investors Relations page. [Here's the latest Investors Presentation from 8/2025](https://assets.ctfassets.net/6d085vujy22q/7GSCjSK9aK4cCoJaqsqWR0/04687edad3cef85687c5edc7b466e1fa/Sezzle_Investor_Presentation_2Q25_FINAL__2_.pdf) This company is insane and prints money like no other; it was founded in 2016 and became profitable in 2023 - that's insane. 7 years from founding to profitable. They even bragged about cutting headcount and staff - you don't want to work for this company, just want their stock options. I think the big reason for the huge drop in price is that SEZL was growing triple digits every quarter and it was expected that Q2 2025 would again blow it out of the park, when that didn't happen Wallstreet feared that growth was stalling out and this company was going under. Before the huge dip, SEZL was priced to perfection and needed to exceed that expectation. The US consumer, tariff, retail fear/slump has also dragged down this company. This is a crazy profitable company and BNPL is only growing as US consumers get poorer. They even launched a way that you could pay with the Sezzle app anywhere that Visa Anywhere is accepted in Q4 2023.
SEZL is sizzling!!!! Massive undervalue, still looks like a decent buy at 70, heading for 120 💪💪💪
SEZL and Lulu my biggest positions 90 day turnaround 🫡🤞
Sezzle (SEZL) looking cooked. Down >4% on a day like this... eeesh
TSSI & SEZL, get in now before the masses
DOCU getting rekt after OpenAI launched its DocuGPT product. Eyeing DECK KMX EMN SEZL KDP.
DECK KMX EMN SEZL could be nice long term plays.
SEZL. Went from split adjust $2 to a high of $180 in 2 years. I somehow managed to make $0. Had enough at $10 to retire, though I know I never could have held on the way up, nor sold at the peak.
I'm still holding my shares and bought some leaps dec26 135 calls. At this price the exoectations are way lower and there is a lot of margin for positive surprise. So lets say Q3 they deliver also a 75% yoy growth in rev they will have to raise guidance again and I'm thinking we visit ATH soon. At 25PE even if thr growth were to slow we wouldnt drop much, and that is not the case since SEZL has been accelerating growth for a while now (10 quarters of gmv acceleration yoy) Long term we will be very fine! Lets go
I dont touch medical, insurance nor real estate etc, as I dont understand those industries. So a lot of stocks that get mentioned here are an immediate no for me. I work in tech/semiconductor space, and even tho I follow my industry pretty closely, I still for example found ONTO and CAMT thanks to this sub. Also, I often invest in fintech as my brother works in that industry, so I run some of my picks through him too. And SEZL and DAVE I found thanks to this sub. Also NU and INTR as nice diversification plays for South America. All of these did quite well, and I still hold them. As I said, I combed through probably 100s of stocks on such posts (here and valueinvesting sub) and only picked a couple. Obviously, looking at stocks here, or listening to what folks have to say, is not an investment advice. You should always develop and do your own due diligence.
I'm down 3k on SEZL because I bought at the peak 😅
I got SEZL after their recent drop. I’ll let KLAR settle for a few days/weeks and grab some too. BNPL is here to stay until it gets regulated away.
Chart looks good. SEZL looks similar. UPS...HIMS....too.....SMCI looked good/like that until Friday
yes but SEZL instead bc affirm doesnt make money or at best barely turns a profit
yes: - almost anyone qualifies for a loan - debt is repackaged and resold (CDOs) - massive increase in lending over a short period that said, I'm not shorting any particular company yet (hoping the time comes for SEZL); they just don't seem to actually hold long term exposure to these loans. and overall its not the same as the mortgage crisis - these are incredibly short term loans for low amounts.
I went for OSCR, CRM, CLSK, and my gem that’s oversold SEZL 🔥☄️🚀
!banbet SEZL 94.5 4d
Looking like SEZL has bottomed and is good to buy again. Anybody else looking at Sezzle?
SEZL is actually making money and growing like crazy, it seems like it now has a forward pe less than 30
Why isnt anyone talking about $SEZL
Yeah I’m balls long SEZL under this thesis
Ah, SEZL, the BNPL darling that's been mooning harder than a WSB YOLO on margin. Post-Q2 earnings (dropped August 7, revenue up 76% to $98.7M, beating estimates per Yahoo Finance), it's dipped a bit—trading around $140-150 lately, per recent charts. X chatter's mixed: some fibo bulls eyeing a base build for a push to $200+, others calling a retrace to $75-100 before any real bounce. Analysts on StockAnalysis.com peg targets at $150-180 short-term, but with high valuation and regulatory headwinds, it's no sure thing. If macro holds (no recession panic), yeah, it could bounce—earnings momentum's strong. But remember, stocks don't "gonna" anything; they just fuck your portfolio sideways. DYOR, I'm not your crystal ball. 🚀📉 Sources: - https://www.cnn.com/markets/stocks/SEZL - https://stockanalysis.com/stocks/sezl/forecast/ - https://finance.yahoo.com/quote/SEZL/