Nico Sacchetti's questions to Sezzle Inc (SEZL) leadership • Q3 2024
Question
Nico Sacchetti from RBC Capital Markets asked for clarification on 2024/2025 EPS guidance, the long-term growth outlook, the drivers of outperformance, the impact of consumer health on usage frequency, and business seasonality.
Answer
CEO Charles Youakim and CFO Karen Hartje clarified that guidance adjustments are for discrete tax items. Youakim stated that future growth will come from outperforming the growing BNPL sector, driven by a high-performing team and superior products, not a weakening consumer. He also detailed the company's Q4/Q1 seasonality, noting Sezzle defensively manages credit limits during the holidays to protect consumer health and long-term value, a contrast to credit card models.