Should I Buy SEZL? SEZL 2026 Analysis

Should You Buy Sezzle Inc (SEZL) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

67.710

1 Day change

13.76%

52 Week Range

186.740

Analysis Updated At

2026/01/30

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SEZL is not a good buy right now for an impatient buyer. The stock is in a clear short-term downtrend (bearish moving averages and worsening MACD momentum) and is breaking down toward nearby support (~64.28). While fundamentals are strong and options positioning shows more call open interest than puts, today’s tape and momentum favor further downside/volatility near term. If you already own it, holding is reasonable only if you can tolerate a potential additional dip toward ~62.32 support; for a fresh entry right now, risk/reward is unfavorable.

Technical Analysis

Price/Trend: SEZL is at 65.25 (-7.67% regular session) with additional pre-market weakness (-3.57%), reinforcing downside pressure. Momentum: MACD histogram is negative (-0.562) and negatively expanding, indicating bearish momentum is strengthening rather than stabilizing. RSI: RSI(6) at ~31.96 is near oversold, which can allow a short-term bounce, but it is not confirming a reversal by itself. Moving averages: Bearish stack (SMA_200 > SMA_20 > SMA_5) signals a sustained downtrend across timeframes. Levels: Pivot 67.44 is now overhead resistance. Near-term support is S1 64.28 (very close). If that breaks, next support S2 62.32. Upside resistance levels: 70.60 then 72.56. Pattern/near-term odds: Similar-pattern projection suggests a slightly negative bias (next week expected -2.42% with modest chance outcomes).

Intellectia Proprietary Trading Signals

AI Stock Picker: no signal on given stock today.
SwingMax: No signal on given stock recently.

Options Data

Bullish

Open Interest Put-Call Ratio

Bearish

Option Volume Put-Call Ratio

Open interest/sentiment: Put/Call OI ratio of 0.46 (calls outweigh puts) is generally constructive and suggests investors are positioned more bullishly over time. Volume/today’s sentiment: Put/Call volume ratio of 1.11 (puts > calls) is mildly bearish for today’s flow, aligning with today’s sharp drawdown. Volatility: 30D IV ~67.4 vs HV ~63.5 (options slightly pricing above realized). IV percentile 18% and IV rank ~6.5 indicate IV is relatively low vs its own history, meaning options are not especially expensive. Activity: Today’s volume (852) is far below its 30-day average (only ~37.6% of avg), but open interest is elevated vs average (today OI ~130% of avg), implying positioning exists but today’s incremental conviction is not particularly strong.

Technical Summary

Sell

Buy

Positive Catalysts

Strong operating momentum (latest reported quarter 2025/Q3 showed rapid growth in revenue and earnings).
Earnings catalyst ahead: QDEC 2025 earnings scheduled for 2026-02-26 (After Hours) with Street EPS estimate around 0.98; a beat could reverse sentiment quickly.
Options open interest skew (more calls than puts) suggests some investors are positioned for upside over time.

Neutral/Negative Catalysts

Near-term options flow is slightly bearish (put volume > call volume).

Financial Performance

Latest quarter: 2025/Q3. Growth: Revenue was 116.796M, up +66.95% YoY, indicating strong top-line expansion. Profitability: Net income 26.671M (+72.67% YoY) and EPS 0.75 (+70.45% YoY) show earnings are scaling faster than revenue. Margins: Gross margin 85.07% (+4.05% YoY) improved, reinforcing operating leverage/strong unit economics. Bottom line: Fundamentals look strong; the current issue is price trend/momentum rather than recent reported performance.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent trend: Price targets have been trimmed.

TD Cowen (2026-01-08): Hold, PT cut slightly to $82 from $83 (cautious/neutral stance).
Oppenheimer (2025-11-06): Outperform maintained, but PT cut to $110 from $134 despite noting 3Q25 revenue ahead of expectations (more constructive view but de-risked target). Wall Street pros view: Pros: Strong reported growth, improving take-rate/subscription contribution, and strong earnings scalability support a bullish long-term narrative. Cons: Targets being reduced implies either multiple compression risk, macro sensitivity in specialty finance/BNPL, or tempered forward expectations; combined with the current bearish chart, Wall Street is not broadly signaling an “urgent buy here.”

3 Analyst Rating

Wall Street analysts forecast SEZL stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SEZL is 101 USD with a low forecast of 83 USD and a high forecast of 110 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

2 Buy

1 Hold

0 Sell

Moderate Buy

Current: 59.520

Low

Averages

101

High

110

Current: 59.520

Low

Averages

101

High

110

TD Cowen

Hold

downgrade

$83 -> $82

AI Analysis

2026-01-08

Reason

TD Cowen

Price Target

$83 -> $82

AI Analysis

2026-01-08

downgrade

Hold

Reason

TD Cowen lowered the firm's price target on Sezzle to $82 from $83 and keeps a Hold rating on the shares. The firm adjusted targets in the specialty finance group as part of its 2026 outlook.

TD Cowen

Hold

downgrade

$83 -> $82

2026-01-08

Reason

TD Cowen

Price Target

$83 -> $82

2026-01-08

downgrade

Hold

Reason

TD Cowen lowered the firm's price target on Sezzle to $82 from $83 and keeps a Hold rating on the shares. The firm updated its price target to reflect is outlook in the Specialty Finance sector affected by macro economic factors and secualr growth in various areas of credit card, auto lending, student lending, non-prime lending, buy-now-pay-later, and lease to own.

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SEZL Should I Buy

SEZL Should I Buy

Should You Buy Sezzle Inc (SEZL) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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