Filing Flows › Sezzle (SEZL) › Q3 2026
Sezzle (SEZL) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Sezzle (SEZL) reported revenue of $167M for the third quarter 2026 (Q3 2026), +43% from a year earlier and +11% from the quarter before. Operating margin was 38.6%, net earnings $47.8M (28.7% of revenue).
Sezzle, Q3 2026: revenue $167M (+43% year over year), operating margin 38.6%, net earnings $47.8M, operating cash flow $86.7M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $167M | +11% | +43% |
| Operating profit | $64.3M | +17% | +81% |
| Net earnings | $47.8M | +17% | +79% |
| Operating cash flow | $86.7M | +66% | +36% |
| Free cash flow | $86.5M | +67% | +36% |
What changed
Revenue was $166.5M in Q3 2026, up 43% year over year and up 11% from the previous quarter.
Operating profit was $64.3M, a 38.6% margin (up 8.1 points year over year). Of the extra revenue versus Q3 2025, 58% reached operating profit, above the 30% margin then. Total costs grew 26% against revenue growth of 43%. The fastest-growing cost line was Sales & marketing (+81%). Net earnings were $47.8M, up 79% year over year. The effective tax rate was 22.1%.
Operating cash flow was $86.7M (up 36% year over year), 181% of net earnings. Non-cash charges added back $559K of depreciation and amortization and $2.9M of share-based compensation. Working capital and other items added $35.4M. Capital expenditures of $178K left free cash flow of $86.5M.
Questions
What was Sezzle's revenue in the third quarter 2026?
Sezzle (SEZL) reported revenue of $167M for the third quarter 2026 (Q3 2026), +43% from a year earlier and +11% from the quarter before.
Was Sezzle profitable in the third quarter 2026?
Operating profit was $64.3M (38.6% of revenue) and net earnings $47.8M.
Source: Sezzle 10-Q on SEC EDGAR.