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Credit Acceptance Corporation (CACC) vs Sezzle Inc. (SEZL)

Credit Acceptance Corporation and Sezzle Inc. are both Credit Services companies. Credit Acceptance Corporation and Sezzle Inc. are of similar size ($5.3B and $5.2B). Credit Acceptance Corporation trades at the lower P/E: 16.7× against 28.6×. Sezzle Inc. grew revenue faster over the last twelve months: 38.9% against 1.68%. Sezzle Inc. has the higher net margin (31.4% vs 14.4%) and the higher return on invested capital (49.8% vs 7.81%). Across the 20 metrics below, Credit Acceptance Corporation leads on 11 and Sezzle Inc. on 9.

Valuation

Metric CACC SEZL Credit Services median
P/E 16.67 28.61 8.96
P/S 2.32 8.89 1.00
P/B 3.92 18.62 1.23
Price to free cash flow 4.33 19.03 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.00% 3.50% 7.17%
Free cash flow yield 23.08% 5.25% 11.75%

Profitability

Metric CACC SEZL Credit Services median
Gross margin 100.00% 0.00% 76.61%
Operating margin 39.82% 41.87% 0.34%
Net margin 14.39% 31.39% 8.35%
Free cash flow margin 53.65% (0.66%) 8.73%
Return on equity 22.72% 84.34% 9.05%
Return on assets 3.85% 43.03% 1.94%
Return on invested capital 7.81% 49.84% 4.56%

Growth

Metric CACC SEZL Credit Services median
Revenue growth (TTM) 1.68% 38.93% 4.49%
EPS growth (last fiscal year) 83.60% 69.99% 21.94%
Revenue growth, 5-year CAGR 6.78% 50.26% 9.22%
Net income growth, 5-year CAGR 0.14% 0.00% 0.00%

Health

Metric CACC SEZL Credit Services median
Debt to equity 4.84 0.37 0.69
Current ratio 13.49 4.21 1.26
Net debt to EBITDA 5.10 0.38 0.11

Dividend

Metric CACC SEZL Credit Services median
Dividend yield — — 1.64%
Payout ratio — — 0.21

Size

Metric CACC SEZL Credit Services median
Market cap 5.30b 5.24b 759.73m

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