Federal Agricultural Mortgage Corporation (AGM) vs Sezzle Inc. (SEZL)

Federal Agricultural Mortgage Corporation and Sezzle Inc. are both Credit Services companies. Sezzle Inc. is the larger, with a market value of $3.8B against $2.3B — 1.6× the size. Federal Agricultural Mortgage Corporation trades at the lower P/E: 11.6× against 23.6×. Sezzle Inc. grew revenue faster over the last twelve months: 43.1% against 7.27%. Sezzle Inc. has the higher net margin (30.4% vs 11.6%) and the higher return on invested capital (49.7% vs 5.67%). Across the 21 metrics below, Sezzle Inc. leads on 12 and Federal Agricultural Mortgage Corporation on 9.

Valuation

Metric AGM SEZL Credit Services median
P/E 11.63 23.60 9.64
P/S 1.35 7.04 0.87
P/B 1.86 16.08 1.16
Price to free cash flow 7.43 13.78 2.99
EV/EBITDA n/m 17.87 9.58
EV/Sales 2.07 7.29 2.32
Earnings yield 8.60% 4.24% 6.72%
Free cash flow yield 13.45% 7.26% 12.33%

Profitability

Metric AGM SEZL Credit Services median
Gross margin 25.89% 82.59% 77.13%
Operating margin 0.00% 40.39% 0.34%
Net margin 11.62% 30.35% 9.25%
Free cash flow margin 18.14% 51.12% 13.03%
Return on equity 16.79% 88.85% 8.49%
Return on assets 0.55% 40.01% 2.29%
Return on invested capital 5.67% 49.69% 4.09%

Growth

Metric AGM SEZL Credit Services median
Revenue growth (TTM) 7.27% 43.06% 4.62%
EPS growth (last fiscal year) 1.09% 69.99% —
Revenue growth, 5-year CAGR 25.34% 50.26% 9.13%
Net income growth, 5-year CAGR 13.97% 0.00% 0.00%

Health

Metric AGM SEZL Credit Services median
Debt to equity 1.23 0.52 0.68
Current ratio 0.56 4.02 1.55
Net debt to EBITDA 0.00 0.38 0.13

Dividend

Metric AGM SEZL Credit Services median
Dividend yield 2.42% — 3.34%
Payout ratio 0.29 — 0.00

Size

Metric AGM SEZL Credit Services median
Market cap 2.31b 3.75b 872.19m

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