Bread Financial Holdings, Inc. (BFH) vs Sezzle Inc. (SEZL)
Bread Financial Holdings, Inc. and Sezzle Inc. are both Credit Services companies. Bread Financial Holdings, Inc. and Sezzle Inc. are of similar size ($3.9B and $3.8B). Bread Financial Holdings, Inc. trades at the lower P/E: 8.0× against 23.6×. 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 21 metrics below, Bread Financial Holdings, Inc. leads on 12 and Sezzle Inc. on 9.
Valuation
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% | 13.03% |
| Return on equity | 17.27% | 88.85% | 8.49% |
| Return on assets | 2.55% | 40.01% | 2.29% |
| Return on invested capital | 0.00% | 49.69% | 4.09% |
Growth
Health
Dividend
Size
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