Sezzle Inc. (SEZL) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

And welcome to the Zuzzle, Inc. Fourth Quarter 2025 Earnings Conference Call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your telephone keypad. To withdraw your question, please press star then two. Please note this event is being recorded. I would now like to turn the conference over to Charlie Uekim, CEO and Executive Chairman. Please go ahead. Thank you, and good afternoon, everyone, and welcome to CECL's fourth quarter and full year 2025 earnings call. I'm Charlie Uekim, CEO and Executive Chairman of CECL. I'm joined today by our new CFO, but a familiar face and voice for you all, Lee Braden. In conjunction with this conference call, We filed our earnings announcement with the SEC and posted it along with our earnings presentation on our investor website at Suzzle.com. To retrieve the documents, please go to the investor relations section on our website. Please be advised of the cautionary note on forward-looking statements and the reconciliation of GAAP to non-GAAP measures, including the presentation, which also covers our statements on today's call. Before diving into our prepared slides, I'd like to take a step back and put 2025 in context. 2025 brought a shifting landscape for BNPL and for FinTech more broadly. We continued to see the sector mature within the broader US financial ecosystem as BNPL became more embedded in everyday commerce and more firmly established within the financial ecosystem. One notable development this year was the continued interest across FinTech in pursuing bank charters and deeper partnerships with...