Sezzle Inc. (SEZL) · Nov 4, 2026 · Earnings

Sezzle earnings beat as 2026 guidance rises for fourth time

Beat — GAAP diluted EPS $1.38 vs ~$1.28 consensus; revenue $166.5M vs ~$155.0M

Sezzle earnings beat Q3 expectations, margins expanded, and management raised 2026 guidance for the fourth time while introducing 2027 targets.

Sezzle is moving beyond a buy-now-pay-later checkout product toward a broader consumer-finance platform, adding SezzleCash, peer-to-peer payments and a potential national bank while subscriber growth remains the core engine. The prior quarter had already established the direction: SezzleCash was live, Sezzle Send was coming, and FY2026 guidance had been raised to $185 million of adjusted net income.

The quarter clearly beat the standing bar. Revenue and GAAP diluted EPS exceeded published expectations, while adjusted EPS nearly doubled year over year. The beat was not just accounting leverage: operating income grew almost twice as fast as revenue, and transaction-related costs fell as a percentage of transaction volume.

	Q3 2026	Q3 2025	Consensus / Prior guide
Total revenue (Financial Highlights)	$166.5M (+42.6%)	$116.8M	~$155.0M
GAAP diluted EPS (Income Statement)	$1.38 (+84.0%)	$0.75	~$1.28
Adjusted diluted EPS (Financial Highlights)	$1.37 (+95.7%)	$0.70
FY2026 revenue growth (Guidance)	~42.5%		35% prior guide
FY2026 adjusted net income (Guidance)	$190M		$185M prior guide
FY2026 adjusted diluted EPS (Guidance)	$5.45–$5.50		$5.25 prior guide
Credit losses / TTV (Financial Highlights)	2.7%	3.1%	~2.5% FY target

The more important change is another upgrade to the earnings trajectory. Sezzle raised FY2026 guidance for the fourth time, moving revenue growth from 35% to approximately 42.5%, adjusted net income from $185 million to $190 million, and adjusted diluted EPS to $5.45–$5.50. It also introduced preliminary FY2027 adjusted EPS guidance of $7.20, extending the current growth story rather than merely confirming the quarter.

The platform expansion is producing early evidence, but remains early-stage. SezzleCash completed its first full quarter with more than 15% of eligible new Anywhere subscribers starting there and more than 60% of those users later shopping at checkout; Sezzle Send reached all users in October. The WebBank arrangement keeps eligible SezzleCash and Sezzle Send loans off Sezzle’s balance sheet, while the national-bank application could eventually change funding and product economics but is still only an application, not an approval. 〔0〕〔1〕

The main qualification is that growth investment is still running ahead of overhead efficiency. Non-transaction operating expenses rose 46.2%, faster than revenue, and marketing and technology spending remained elevated. Even so, the current quarter’s 8.2-point operating-margin expansion and lower credit-loss rate show that Sezzle is converting the added scale into substantially better profitability rather than buying growth at unchanged economics.

Bottom line: This was a genuine earnings beat accompanied by another guidance raise, not merely a strong-looking year-over-year comparison. The filing strengthens Sezzle’s existing growth-and-platform-expansion story, with the bank application adding longer-term optionality but not yet changing the near-term result itself.

Original filing on SEC EDGAR

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AllSight · BlackBerry Q2 FY27

Revenue $163.3M vs ~$144M expected; adjusted basic EPS $0.07 vs ~$0.04 consensus — a real upside surprise.Income statement
QNX revenue +27% to $80.3M; segment EBITDA $29.0M from $20.5M. “Record performance… core automotive.”Segment — QNX
Licensing jumped to $22.1M from $6.6M — it amplified the beat, but it's less recurring than QNX, so the quality sits in QNX.Segment — Licensing
FY27 guide lifted to $616–636M rev / $141–158M EBITDA, above the prior $594–621M / $119–139M framework.Guidance
QNX growth, margins, cash and a raised outlook all beat. But licensing amplified it and Secure Comms is flat — net retention 91% from 93%.Segment — Secure Comms

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Events/ANDE/8-K · Earnings

8-K · Item 2.02 · Earnings

The Andersons — a record Renewables quarter that beat profit expectations

Filed Aug 3, 2026ANDE · NASDAQ

AllSight readBeatPriced in▲ 1.8% since filed · reaction agrees

adj. EPS $2.15 vs ~$1.48 consensus

This filing tests whether The Andersons' sharp profit increase reflects broad operating improvement or a one-off renewable-fuels boost. It also separates strong adjusted earnings and cash generation from the quarter's legal and impairment charges.

The quarter was substantially stronger than both last year and the published earnings expectation. Adjusted EPS reached $2.15, versus $0.24 a year earlier and above the published consensus of about $1.48; reported EPS was $1.65. Adjusted EBITDA more than doubled to $140 million, while sales slipped modestly — the improvement came from margins and operating performance rather than higher revenue. Financial Highlights · Statements of Operations

Q2 ($M, exc. per-share)	Q2 2026	Q2 2025	YoY
Sales & merchandising revenue	3,097.7	3,135.9	−1%
Net income (attributable)	56.6	7.9	+48.7
Diluted EPS	1.65	0.23	+1.42
Adjusted EPS	2.15	0.24	+1.91
Adjusted EBITDA	140.3	65.2	+75.1
Agribusiness adj. pretax	20.3	16.8	+3.5
Renewables adj. pretax	88.4	9.6	+78.8
Cash from operations	487.9	299.3	+188.6
Cash from ops (pre-WC)	112.9	42.9	+70.1

Renewables drove nearly all of the upside — the operating backdrop was strong, but the result also benefited materially from tax credits. Renewables' adjusted pretax income rose to $88 million on record production, stronger ethanol margins and merchandising gains. It also received $24 million of 45Z producer tax credits, so this was not solely a repeatable plant-margin improvement; the company did cite healthy export and domestic ethanol demand as supportive. Renewables — Record Q2 · Segment Data

Agribusiness improved, but it was a supporting contributor rather than the main earnings engine. Adjusted pretax income increased to $20 million as fertilizer margins improved and merchandising benefited from commodity-price volatility, despite lower fertilizer volumes. Agribusiness — Improved Q2 · Segment Data

Cash generation improved and funding capacity is comfortable, while reported earnings still absorbed meaningful non-core costs. Operating cash flow was $488 million ($113 million before working-capital changes); capital spending was $76 million. Adjusted EPS excludes $0.50 of legal-settlement, impairment and transaction items, so the $2.15 adjusted result runs ahead of the $1.65 reported. Leverage stays below the <2.5× debt-to-EBITDA target; no new quantified full-year outlook was given. Cash & Liquidity · Adjusted Net Income

Community sentiment · 612 votes

58% bullish

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Sezzle earnings beat as 2026 guidance rises for fourth time

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