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FirstCash Holdings, Inc. (FCFS) vs Sezzle Inc. (SEZL)

FirstCash Holdings, Inc. and Sezzle Inc. are both Credit Services companies. FirstCash Holdings, Inc. is the larger, with a market value of $8.0B against $5.2B — 1.5× the size. FirstCash Holdings, Inc. trades at the lower P/E: 20.4× against 28.6×. Sezzle Inc. grew revenue faster over the last twelve months: 38.9% against 22.9%. Sezzle Inc. has the higher net margin (31.4% vs 9.48%) and the higher return on invested capital (49.8% vs 9.40%). Across the 20 metrics below, FirstCash Holdings, Inc. leads on 10 and Sezzle Inc. on 10.

Valuation

Metric FCFS SEZL Credit Services median
P/E 20.38 28.61 8.96
P/S 1.89 8.89 1.00
P/B 3.56 18.62 1.23
Price to free cash flow 15.63 19.03 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.91% 3.50% 7.17%
Free cash flow yield 6.40% 5.25% 11.75%

Profitability

Metric FCFS SEZL Credit Services median
Gross margin 50.20% 0.00% 76.61%
Operating margin 15.85% 41.87% 0.34%
Net margin 9.48% 31.39% 8.35%
Free cash flow margin 12.09% (0.66%) 8.73%
Return on equity 18.18% 84.34% 9.05%
Return on assets 7.57% 43.03% 1.94%
Return on invested capital 9.40% 49.84% 4.56%

Growth

Metric FCFS SEZL Credit Services median
Revenue growth (TTM) 22.93% 38.93% 4.49%
EPS growth (last fiscal year) 29.49% 69.99% 21.94%
Revenue growth, 5-year CAGR 17.55% 50.26% 9.22%
Net income growth, 5-year CAGR 25.39% 0.00% 0.00%

Health

Metric FCFS SEZL Credit Services median
Debt to equity 1.08 0.37 0.69
Current ratio 4.81 4.21 1.26
Net debt to EBITDA 2.28 0.38 0.11

Dividend

Metric FCFS SEZL Credit Services median
Dividend yield 0.89% — 1.64%
Payout ratio 0.18 — 0.21

Size

Metric FCFS SEZL Credit Services median
Market cap 8.04b 5.24b 759.73m

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