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Cash Flow Overview

Change in Cash
-$35,114K
Free Cash flow
$51,834K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net income
    • Provision for credit losses
    • Provision for other credit losse...
    • Others
Negative Cash Flow Breakdown
    • Purchases and originations of no...
    • Payments to line of credit
    • Other assets
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Effect of exchange rate changes on cash
-
-
-
809
Net income
40,765
51,303
42,691
26,671
Depreciation and amortization
502
436
389
369
Provision for credit losses
30,608
13,675
23,674
32,177
Provision for other credit losses
13,848
6,855
12,661
12,291
Discount on notes receivable
313
345
735
-
Equity based compensation and restricted stock vested
2,113
1,321
1,340
2,409
Amortization of debt issuance costs
-
241
202
111
Fair value adjustment on warrants
-
-
0
0
Impairment losses on long-lived assets
-
0
0
2
Gain on sale of fixed assets
-
-2
7
-2
Loss on extinguishment of line of credit
-
-
0
0
Deferred income taxes
1,051
-2,106
-172
977
Notes receivable
-
-
-
31,376
Other receivables
-
-
11,416
15,688
Other, net
452
-
-
-
Prepaid expenses and other assets
-
-
-4,558
-254
Other assets
25,702
5,374
-
-
Merchant accounts payable
523
1,322
-1,591
-2,514
Other payables
-15,497
15,074
-3,554
3,234
Other liabilities
2,981
6,329
487
3,586
Deferred revenue
1,154
240
585
586
Operating leases
6
5
5
5
Net cash provided from operating activities
52,248
88,978
154,289
33,096
Purchases and originations of notes receivable, net of proceeds from repayments
56,527
21,404
178,874
-
Purchase of property and equipment
414
351
61
163
Internally developed intangible asset additions
826
738
531
612
Net cash used for investing activities
-57,767
-22,493
-179,466
-775
Proceeds from line of credit
8,000
100,000
75,060
10,800
Payments to line of credit
30,000
95,760
51,800
24,100
Payments of debt issuance costs
1,043
100
782
0
Proceeds from stock option exercises
507
111
113
54
Stock subscriptions collected related to stock option exercises
-
-
0
44
Proceeds from warrant exercises
-
-
0
0
Repurchase of common stock
7,059
25,746
30,025
3,967
Net cash used for financing activities
-29,595
-21,495
-7,434
-17,169
Net increase in cash, cash equivalents, and restricted cash
-35,114
44,990
-32,611
15,152
Cash, cash equivalents, and restricted cash, beginning of period
134,656
134,656
-
98,310
Cash, cash equivalents, and restricted cash, end of period
112,049
147,386
-
134,656
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net income$40,765K (-36.07%↓ Y/Y)Provision for creditlosses$30,608K (-8.49%↓ Y/Y)Provision for other creditlosses$13,848K (62.48%↑ Y/Y)Other liabilities$2,981K (164.18%↑ Y/Y)Equity basedcompensation and restricted...$2,113K (-23.75%↓ Y/Y)Deferred revenue$1,154K (5145.45%↑ Y/Y)Deferred income taxes$1,051K (-57.71%↓ Y/Y)Merchant accountspayable$523K (105.86%↑ Y/Y)Depreciation andamortization$502K (-16.05%↓ Y/Y)Other, net$452K Net cash providedfrom operating...$52,248K (131.99%↑ Y/Y)Canceled cashflow$41,512K Net increase incash, cash...-$35,114K (-272.25%↓ Y/Y)Canceled cashflow$52,248K Proceeds from line ofcredit$8,000K (-91.58%↓ Y/Y)Proceeds from stockoption exercises$507K (-85.77%↓ Y/Y)Other assets$25,702K Other payables-$15,497K (-935.90%↓ Y/Y)Discount on notesreceivable$313K Net cash used forinvesting activities-$57,767K (-4249.92%↓ Y/Y)Net cash used forfinancing activities-$29,595K (-3558.22%↓ Y/Y)Canceled cashflow$8,507K Purchases andoriginations of notes...$56,527K Internally developedintangible asset additions$826K (-7.92%↓ Y/Y)Purchase of property andequipment$414K (-3.94%↓ Y/Y)Payments to line of credit$30,000K (-56.33%↓ Y/Y)Repurchase of common stock$7,059K (-76.98%↓ Y/Y)Payments of debt issuancecosts$1,043K (10330.00%↑ Y/Y)

Sezzle Inc. (SEZL)

Sezzle Inc. (SEZL)