Wrapping up Q3 earnings, we look at the numbers and key takeaways for the personal loan stocks, including Sezzle (NASDAQ: SEZL) and its peers.

Personal loan providers offer unsecured credit for various consumer needs. The sector benefits from digital application processes, increasing consumer comfort with online financial services, and opportunities in underserved credit segments. Headwinds include credit risk management in unsecured lending, regulatory oversight of lending practices, and intense competition affecting margins from both traditional and fintech lenders.

The 10 personal loan stocks we track reported a very strong Q3. As a group, revenues beat analysts’ consensus estimates by 5.3%.

Thankfully, share prices of the companies have been resilient as they are up 9.1% on average since the latest earnings results.

Sezzle (NASDAQ: SEZL)

Founded in 2016 as an alternative to traditional credit cards for younger shoppers, Sezzle (NASDAQ: SEZL) provides a payment platform that allows consumers to split purchases into four interest-free installments over six weeks at participating retailers.

Sezzle reported revenues of $116.8 million, up 67% year on year. This print exceeded analysts’ expectations by 10.1%. Overall, it was an exceptional quarter for the company with an impressive beat of analysts’ revenue estimates and a solid beat of analysts’ EBITDA estimates.

Sezzle achieved the fastest revenue growth of the whole group. The results were likely priced in, however, and the stock is flat since reporting. It currently trades at $66.44.

Is now the time to buy Sezzle? Access our full analysis of the earnings results here, it’s free.

Best Q3: Dave (NASDAQ: DAVE)

Named after the biblical David fighting financial Goliaths, Dave (NASDAQ: DAVE) is a digital financial services platform that helps Americans living paycheck to paycheck with cash advances, banking services, and tools to improve their financial health.

Dave reported revenues of $150.7 million, up 63% year on year, outperforming analysts’ expectations by 12.9%. The business had an incredible quarter with a beat of analysts’ EPS estimates and an impressive beat of analysts’ revenue estimates.

Dave achieved the biggest analyst estimates beat and highest full-year guidance raise among its peers. Although it had a fine quarter compared its peers, the market seems unhappy with the results as the stock is down 22.1% since reporting. It currently trades at $187.03.

Is now the time to buy Dave? Access our full analysis of the earnings results here, it’s free.

Weakest Q3: Atlanticus Holdings (NASDAQ: ATLC)

Using data analytics to serve the millions of Americans with less-than-perfect credit scores, Atlanticus Holdings (NASDAQ: ATLC) provides technology and services that help lenders offer credit products to consumers often overlooked by traditional financing providers.

Atlanticus Holdings reported revenues of $419.8 million, up 36.1% year on year, exceeding analysts’ expectations by 0.5%. Still, it was a softer quarter as it posted a significant miss of analysts’ EPS estimates.

Interestingly, the stock is up 10.9% since the results and currently trades at $59.91.

Read our full analysis of Atlanticus Holdings’s results here.

Nubank (NYSE: NU)

With well over one hundred million customers across Brazil, Mexico, and Colombia through its viral member-get-member referral program, Nubank (NYSE: NU) is a digital banking platform that offers financial services including spending, saving, investing, borrowing, and protection products to millions of customers across Latin America.

Nubank reported revenues of $4.17 billion, up 41.8% year on year. This result beat analysts’ expectations by 3.4%. Overall, it was a strong quarter as it also recorded a solid beat of analysts’ revenue estimates and EPS in line with analysts’ estimates.

The stock is up 10.9% since reporting and currently trades at $17.35.

Read our full, actionable report on Nubank here, it’s free.

OneMain (NYSE: OMF)

Dating back to 1912 and formerly known as Springleaf, OneMain Holdings (NYSE: OMF) provides personal loans, auto financing, and credit cards to nonprime consumers who have limited access to traditional banking services.

OneMain reported revenues of $1.27 billion, up 9.8% year on year. This number surpassed analysts’ expectations by 2.8%. It was an exceptional quarter as it also produced a beat of analysts’ EPS estimates and an impressive beat of analysts’ net interest income estimates.

OneMain had the slowest revenue growth among its peers. The stock is up 16.2% since reporting and currently trades at $64.78.

Read our full, actionable report on OneMain here, it’s free.

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