Sezzle Provides Update to 2024 Guidance Ahead of Investor Conference
Sezzle Provides Update to 2024 Guidance Ahead of Investor Conference
Appendix
附錄
Minneapolis, MN, Jan. 15, 2025 (GLOBE NEWSWIRE) -- Sezzle Inc. (NASDAQ:SEZL) (Sezzle or Company) // Purpose-driven digital payment platform, Sezzle, is pleased to provide updated guidance for FY2024 ahead of its attendance at the 27th Annual Needham Growth Conference on January 16, 2025. The Company anticipates exceeding 2024 revenue and income guidance provided in conjunction with its third-quarter 2024 earnings release.
明尼阿波利斯,明尼蘇達州,2025年1月15日(環球新聞社)—— Sezzle Inc.(納斯達克:SEZL)(Sezzle或公司)// 以目的爲導向的數字支付平台Sezzle很高興在2025年1月16日參加第27屆Needham成長會議之前提供2024財年的最新指導。公司預計將在2024年超過在其2024財年第三季度收益發佈中提供的營收和收入指導。
"Exceptional holiday demand and the effective execution of our strategic initiatives fueled our fourth-quarter outperformance, and gives us confidence that we will exceed our prior 2024 guidance," stated Charlie Youakim, Sezzle Chairman and CEO. "We're encouraged by these positive trends, with credit losses aligning with expectations. We look forward to sharing our fiscal 2024 results at the end of February."
Sezzle董事長兼首席執行官Charlie Youakim表示:「假期的異常需求以及我們戰略舉措的有效執行推動了我們第四季度的業績超出預期,使我們有信心超越此前2024年的指導。」他補充道:「我們對這些積極的趨勢感到鼓舞,信用損失與預期一致。我們期待在2月底分享2024財年的業績。」
2023 Actual | Prior 2024 Guidance | FY2024 Projections | |
Total Revenue | $159.4M | 55% Growth | Exceed |
Total Revenue Less Transaction Related Costs1 as a % of Total Revenue | 50.8% | 55.0% | Meet |
Net Income | $7.1M | $71.5M | Exceed |
Net Income Per Diluted Share | $1.25 | $12.05 | Exceed |
Adjusted Net Income | $5.6M | $58.0M | Exceed |
Adjusted Net Income2 Per Diluted Share | $0.99 | $9.80 | Exceed |
2023年實際 | 2024年之前的指導 | 2024財年的預測 | |
總營業收入 | 15940萬美元 | 55%的增長 | 超出 |
扣除交易相關成本之後的總營業收入佔總營業收入的百分比 | 50.8% | 55.0% | 會見 |
凈利潤 | 710萬美元 | 7150萬美元 | 超出 |
每稀釋股凈利潤 | $1.25 | $12.05 | 超出 |
調整後凈利潤 | 560萬 | 5800萬 | 超出 |
調整後每稀釋股凈利潤 | $0.99 | $9.80 | 超出 |
The foregoing is based on the Company's internal financial statements that have not been subject to audit or review by any third party. FY2024 financial results remain subject to standard year-end closing procedures, including final adjustments and audit by the Company's independent registered public accounting firm. The Company will publish audited financial statements for FY2024 when it files its Annual Report on Form 10-K for the fiscal year 2024, which the Company anticipates filing at the end of February 2025.
上述內容基於公司內部的基本報表,這些報表尚未經過任何第三方的審計或審查。2024財年的財務結果仍需遵循年度結束的標準結算程序,包括最終調整和公司獨立註冊公共會計師事務所的審計。公司將在提交其2024財年10-K表格的年度報告時發佈2024財年的審核基本報表,公司預計將於2025年2月底提交。
Contact Information
聯繫信息
Lee Brading, CFA Investor Relations +1 651 240 6001 InvestorRelations@sezzle.com |
Erin Foran Media Enquiries +1 651 403 2184 Erin.Foran@sezzle.com |
李·佈雷丁,CFA 投資者關係 +1 651 240 6001 InvestorRelations@sezzle.com |
埃琳·福蘭 媒體諮詢 +1 651 403 2184 Erin.Foran@sezzle.com |
About Sezzle Inc.
關於Sezzle Inc.
Sezzle is a forward-thinking fintech company committed to financially empowering the next generation. Through its purpose-driven payment platform, Sezzle enhances consumers' purchasing power by offering access to point-of-sale financing options and digital payment services—connecting millions of customers with its global network of merchants. Centered on transparency, inclusivity, and ease of use, Sezzle empowers consumers to manage spending responsibly, take charge of their finances, and achieve lasting financial independence.
Sezzle是一家前瞻性的金融科技公司,致力於賦予下一代經濟自主權。通過以目的爲驅動的支付平台,Sezzle通過提供銷售點融資期權和數字支付服務增強消費者的購買力——將數百萬客戶與其全球商戶網絡連接起來。Sezzle以透明度、包容性和易用性爲中心,使消費者能夠負責任地管理支出,掌控財務,實現持久的財務獨立。
For more information visit sezzle.com.
欲了解更多信息,請訪問sezzle.com。
Forward Looking Statements
前瞻性聲明
This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. We have based these forward-looking statements largely on our current expectations and projections about future events and financial trends affecting the financial condition of our business. Forward-looking statements include our expectations, whether stated or implied, regarding our financing plans and other future events.
本新聞稿包含了根據1933年證券法第27A條及1934年證券交易法第21E條的定義所作出的前瞻性聲明。我們主要基於我們當前對未來事件和影響我們業務財務狀況的財務趨勢的預期和預測來制定這些前瞻性聲明。前瞻性聲明包括我們對融資計劃和其他未來事件的預期,無論是明示還是暗示。
Forward-looking statements generally can be identified by the use of words such as "anticipate," "expect," "plan," "could," "may," "will," "believe," "estimate," "forecast," "goal," "project," other words or expressions of similar meaning (or the negative versions of such words or expressions). These forward-looking statements address various matters including statements regarding the timing or nature of future operating or financial performance or other events. Each forward-looking statement contained in this press release is subject to risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statement. Applicable risks and uncertainties include, among others: impact of the "buy-now, pay-later" ("BNPL") industry becoming subject to increased regulatory scrutiny; impact of operating in a highly competitive industry; impact of macro-economic conditions on consumer spending; our ability to increase our merchant network, our base of consumers and underlying merchant sales (UMS); our ability to effectively manage growth, sustain our growth rate and maintain our market share; our ability to maintain adequate access to capital in order to meet the capital requirements of our business; impact of exposure to consumer bad debts and insolvency of merchants; impact of the integration, support and prominent presentation of our platform by our merchants; impact of any data security breaches, cyberattacks, employee or other internal misconduct, malware, phishing or ransomware, physical security breaches, natural disasters, or similar disruptions; impact of key vendors or merchants failing to comply with legal or regulatory requirements or to provide various services that are important to our operations; impact of the loss of key partners and merchant relationships; impact of exchange rate fluctuations in the international markets in which we operate; our ability to protect our intellectual property rights and third party allegations of the misappropriation of intellectual property rights; our ability to retain employees and recruit additional employees; impact of the costs of complying with various laws and regulations applicable to the BNPL industry in the United States and Canada; and our ability to achieve our public benefit purpose and maintain our B Corporation certification. The Company cautions investors not to place considerable reliance on the forward-looking statements contained in this press release. You are encouraged to read the "Risk Factors" section contained in Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2023, and the Company's subsequent filings with the U.S. Securities and Exchange Commission, available at www.sec.gov, for a discussion of these and other risks and uncertainties. The forward-looking statements in this press release speak only as of the date of this document, and the Company undertakes no obligation to update or revise any of these statements. The Company's business is subject to substantial risks and uncertainties, including those referenced above. Investors, potential investors, and others should give careful consideration to these risks and uncertainties.
前瞻性聲明通常可以通過使用 "預計," "期待," "計劃," "可能," "將," "相信," "估計," "預測," "目標," "項目," 以及其他類似含義的詞語或表達(或這些詞語或表達的否定形式)來識別。這些前瞻性聲明涉及各種事項,包括對未來運營或財務表現或其他事件的時間或性質的聲明。本新聞稿中包含的每一項前瞻性聲明都面臨風險和不確定性,這可能導致實際結果與該聲明所表達或暗示的結果發生重大差異。適用的風險和不確定性包括但不限於:"先買後付"("BNPL")行業面臨增加的監管審查的影響;在競爭激烈的行業中運營的影響;宏觀經濟條件對消費者支出的影響;我們擴大商戶網絡、消費者基礎和基礎商戶銷售(UMS)的能力;我們有效管理增長、維持增長率和保持市場份額的能力;我們維持足夠的資金獲取以滿足業務資本要求的能力;消費者壞賬和商戶破產的風險暴露的影響;商戶對我們平台的整合、支持和突出展示的影響;數據安全漏洞、網絡攻擊、員工或其他內部不當行爲、惡意軟體、網絡釣魚或勒索軟體、實物安全漏洞、自然災害或類似干擾的影響;關鍵供應商或商戶未能遵循法律或監管要求或未能提供對我們運營重要的各種服務的影響;失去關鍵合作伙伴和商戶關係的影響;我們運營的國際市場上匯率波動的影響;我們保護知識產權和應對第三方對知識產權被挪用的指控的能力;我們留住員工和招聘更多員工的能力;遵守適用於美國和加拿大BNPL行業的各種法律和法規的成本影響;以及我們實現公共利益目標和維持B公司認證的能力。公司提醒投資者不要對本新聞稿中包含的前瞻性聲明過分依賴。鼓勵您閱讀我們截至2023年12月31日的年度報告表格10-K中第一項A部分的 "風險因素" 部分,以及公司後續向美國證券交易委員會提交的文件,地址爲www.sec.gov,以討論這些和其他風險和不確定性。本新聞稿中的前瞻性聲明僅在本文檔日期時有效,公司沒有義務更新或修訂這些聲明。公司的業務面臨重大的風險和不確定性,包括上述提到的風險。投資者、潛在投資者及其他人應仔細考慮這些風險和不確定性。
Non-GAAP Financial Measures
非公認會計原則財務指標
To supplement our operating results prepared in accordance with generally accepted accounting principles in the United States ("GAAP"), we present the following non-GAAP financial measures: Total revenue less transaction related costs; adjusted net income (loss); and adjusted net income (loss) per diluted share. Definitions of these non-GAAP financial measures and summaries of the reasons why management believes that the presentation of these non-GAAP financial measures provide useful information to the company and investors are as follows:
爲了補充我們根據美國公認會計原則("GAAP")編制的運營結果,我們提供以下非GAAP財務指標:扣除交易相關費用的總收入;調整後的淨收入(損失);以及每攤薄股的調整後淨收入(損失)。這些非GAAP財務指標的定義和管理層認爲呈現這些非GAAP財務指標對公司和投資者提供有用信息的原因總結如下:
- Total revenue less transaction related costs is defined as GAAP total revenue less transaction related costs. Transaction related costs is the sum of GAAP transaction expense, provision for credit losses, and net interest expense less certain non-recurring charges as detailed in the reconciliation table of GAAP operating income to non-GAAP total revenue less transaction related costs above. We believe that total revenue less transaction related costs is a useful financial measure to both management and investors for evaluating the economic value of orders processed on the Sezzle Platform.
- Adjusted net income (loss) is defined as GAAP net income, adjusted for certain charges including the release of our deferred tax asset valuation allowance, fair value adjustments on warrants, losses on the extinguishment of our lines of credit, and other income and expense, as detailed in the reconciliation table of GAAP net income to adjusted net income (loss). We believe that this financial measure is useful for period-to-period comparisons of our business by removing the effect of certain charges that, in management's view, does not correlate to the underlying performance of our business during a given period.
- Adjusted net income (loss) per diluted share is defined as non-GAAP adjusted net income (loss) divided by GAAP weighted-average diluted shares outstanding. We believe that this financial measure is a useful measure for period-to-period comparisons of shareholder return by removing the effect of certain charges that, in management's view, does not correlate to the underlying performance of our business during a given period.
- 扣除交易相關費用的總收入被定義爲GAAP總收入減去交易相關費用。交易相關費用是GAAP交易費用、信貸損失準備金和淨利息費用的總和,減去某些不經常性的費用,如上述GAAP運營收入與非GAAP扣除交易相關費用的調節表所詳細列出。我們認爲,扣除交易相關費用的總收入是管理層和投資者評估在Sezzle平台上處理的訂單的經濟價值的有用財務指標。
- 調整後的淨收入(損失)被定義爲GAAP淨收入,經過某些費用調整,包括釋放我們的遞延稅資產估值準備、公允價值調整的期權、信用額度清償損失,以及其他收入和費用,如GAAP淨收入與調整後淨收入(損失)的調節表中所詳細列出。我們認爲,這一財務指標有助於按期比較我們的業務,通過消除某些費用的影響,這些費用在管理層看來,與我們在特定期間內的業務基礎業績無關聯。
- 調整後的每攤薄股淨收入(損失)被定義爲非GAAP調整後淨收入(損失)除以GAAP加權平均攤薄流通股。我們認爲,這一財務指標是按期比較股東回報的有用指標,通過消除某些費用的影響,這些費用在管理層看來,與我們在特定期間內的業務基礎業績無關聯。
Additionally, we have included these non-GAAP measures because they are key measures used by our management to evaluate our operating performance, guide future operating plans, and make strategic decisions, including those relating to operating expenses and the allocation of resources. Therefore, we believe these measures provide useful information to investors and other users of this press release to understand and evaluate our operating results in the same manner as our management and board of directors. However, non-GAAP financial measures have limitations, should be considered supplemental in nature, and are not meant as a substitute for the related financial information prepared in accordance with U.S. GAAP. These limitations include the following:
此外,我們包含這些非公認會計原則的指標,因爲這些是管理層評估我們運營表現、指導未來經營計劃和作出戰略決策(包括運營費用和資源分配)時所用的關鍵指標。因此,我們認爲這些指標爲投資者和其他新聞稿用戶提供了有用的信息,幫助他們以與我們的管理層和董事會相同的方式理解和評估我們的運營結果。然而,非GAAP財務指標存在侷限性,應該被視爲補充性質,並非替代依據美國產業公認會計原則準備的相關財務信息。這些侷限性包括以下幾點:
- Total revenue less transaction-related costs is not intended to be measures of operating profit or cash flow profitability as they exclude key operating expenses such as personnel, general and administrative, and third-party technology and data, which have been, and will continue to be for the foreseeable future, significant recurring GAAP expenses.
- Adjusted net income (loss and adjusted net income (loss) per diluted share excludes certain charges such as losses on the extinguishment of our lines of credit, fair value adjustments on our warrants, other income and expense, and the release of our deferred tax asset valuation allowance which have been, and may be in the future, recurring GAAP expenses.
- Long-lived assets being depreciated or amortized may need to be replaced in the future, and these non-GAAP financial measures do not reflect the capital expenditures needed for such replacements, or for any new capital expenditures or commitments.
- These non-GAAP financial measures do not reflect income taxes that may represent a reduction in cash available to us.
- Non-GAAP measures do not reflect changes in, or cash requirements for, our working capital needs.
- Other companies, including companies in our industry, may calculate the non-GAAP financial measures differently or not at all, which reduces their usefulness as comparative measures.
- 總營業收入減去交易相關成本並不旨在作爲營業利潤或現金流盈利能力的指標,因爲它們排除了關鍵的營業費用,如人事費用、一般和管理費用及第三方技術和數據費用,這些費用已經是,並將在可預見的未來繼續是顯著的經常性GAAP費用。
- 調整後的凈利潤(虧損)和調整後的每股稀釋凈利潤(虧損)排除了某些費用,如線下信貸消除的損失、我們Warrants的公允價值調整、其他收入和支出,以及我們遞延稅資產估值準備金的釋放,這些費用已經是,並可能在未來成爲經常性GAAP費用。
- 長期資產在折舊或攤銷時可能需要在未來被替換,而這些非GAAP財務指標並未反映爲此類替換所需的資本支出,或任何新的資本支出或承諾。
- 這些非GAAP財務指標並未反映可能減少我們可用現金的所得稅。
- 非GAAP指標並未反映我們營運資金需求的變化或現金需求。
- 其他公司,包括我們行業內的公司,可能以不同的方式計算非GAAP財務指標,或者根本不計算,這降低了它們作爲比較指標的有效性。
Because of these limitations, you should not consider these non-GAAP financial measures in isolation or as substitutes for analysis of our financial results as reported under GAAP, and these non-GAAP financial measures should be considered alongside other financial performance measures, including net income and other financial results presented in accordance with GAAP. We encourage you to review the related GAAP financial measures and the reconciliations of these non-GAAP financial measures to their most directly comparable GAAP financial measures and not rely on any single financial measure to evaluate our business.
由於這些限制,您不應將這些非公認會計原則(non-GAAP)的財務指標單獨考慮或作爲我們根據GAAP報告的財務結果分析的替代品,並且這些非GAAP財務指標應與其他財務績效指標一起考慮,包括凈利潤和其他根據GAAP呈現的財務結果。我們鼓勵您查看相關的GAAP財務指標以及這些非GAAP財務指標與其最直接可比較的GAAP財務指標之間的調和,而不是依賴任何單一的財務指標來評估我們的業務。
1. Total Revenue Less Transaction Related Costs is a non-GAAP financial measure. See Appendix for reconciliation.
2. Adjusted Net Income is a non-GAAP financial measure. See Appendix for reconciliation.
1. 總收入減去與交易相關的成本是一個非GAAP財務指標。詳見附錄中的調和。
2. 調整後的凈利潤是一個非GAAP財務指標。詳見附錄中的調和。
Attachment
附件
- Appendix
- 附錄
CONTACT: Erin Foran
Sezzle
6514032184
erin.foran@sezzle.com
聯繫方式:Erin Foran
Sezzle
6514032184
erin.foran@sezzle.com
譯文內容由第三人軟體翻譯。
評論(0)
請選擇舉報原因