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Bread Financial Holdings, Inc. (BFH) vs Sezzle Inc. (SEZL)

Bread Financial Holdings, Inc. and Sezzle Inc. are both Credit Services companies. Sezzle Inc. is the larger, with a market value of $4.5B against $3.9B — 1.1× the size. Bread Financial Holdings, Inc. trades at the lower P/E: 7.9× against 27.0×. Sezzle Inc. grew revenue faster over the last twelve months: 43.1% against 0.72%. Sezzle Inc. has the higher net margin (30.4% vs 11.9%) and the higher return on invested capital (49.7% vs 0.00%). Across the 20 metrics below, Bread Financial Holdings, Inc. leads on 11 and Sezzle Inc. on 9.

Valuation

Metric BFH SEZL Credit Services median
P/E 7.91 27.04 9.39
P/S 0.86 8.07 0.86
P/B 1.22 18.43 1.16
Price to free cash flow 1.89 15.79 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.64% 3.70% 6.55%
Free cash flow yield 53.03% 6.33% 12.26%

Profitability

Metric BFH SEZL Credit Services median
Gross margin 100.00% 82.59% 77.13%
Operating margin 76.34% 40.39% 0.34%
Net margin 11.87% 30.35% 9.25%
Free cash flow margin 45.67% 51.12% 12.91%
Return on equity 17.27% 88.85% 8.49%
Return on assets 2.55% 40.01% 2.16%
Return on invested capital 0.00% 49.69% 4.09%

Growth

Metric BFH SEZL Credit Services median
Revenue growth (TTM) 0.72% 43.06% 4.62%
EPS growth (last fiscal year) 98.36% 69.99% 21.94%
Revenue growth, 5-year CAGR 4.34% 50.26% 9.13%
Net income growth, 5-year CAGR 19.34% 0.00% 0.00%

Health

Metric BFH SEZL Credit Services median
Debt to equity 0.98 0.52 0.68
Current ratio 1.17 4.02 1.55
Net debt to EBITDA (4.25) 0.38 0.13

Dividend

Metric BFH SEZL Credit Services median
Dividend yield 0.90% — 1.64%
Payout ratio 0.07 — 0.22

Size

Metric BFH SEZL Credit Services median
Market cap 3.89b 4.47b 751.08m

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