Chit Chat Stocks Sezzle: Why This BNPL Stock Has Multibagger Potential (Ticker: SEZL)
Feb 4, 2026
Marc (Manu Invest), a Substack writer and investor with ~10 years in finance, digs into Sezzle and why it could be a multibagger. He breaks down Sezzle's BNPL model and consumer-focused products. He discusses merchant dynamics, Sezzle’s turnaround to profitability, Gen Z adoption, valuation potential, and risks like recession and regulation.
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Consumer-First BNPL Focus
- Sezzle is a consumer-sided BNPL focused on budgeting and financial well-being rather than merchant-first credit provider.
- It targets near-prime and subprime users with short-term, zero-interest pay-in-four plans to avoid revolving credit traps.
Anywhere Visa Subscription Unlocks Scale
- Sezzle Anywhere is a subscription product that issues a Visa-style payment method usable anywhere Visa is accepted.
- That expands addressable transactions beyond merchant integrations and drives higher-margin recurring revenue.
From Meme Listings To Profitable Pivot
- Marc recounts Sezzle's early struggles: odd merchant listings, an aborted merger, deep layoffs, and a pivot to pay-in-four.
- Those moves plus ruthless cost-cutting led to profitability and the launch of Sezzle Anywhere.