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Sezzle Inc. (SEZL) vs SLM Corporation (SLM)

Sezzle Inc. and SLM Corporation are both Credit Services companies. Sezzle Inc. is the larger, with a market value of $5.2B against $3.2B — 1.6× the size. SLM Corporation trades at the lower P/E: 6.3× against 28.6×. Sezzle Inc. grew revenue faster over the last twelve months: 38.9% against −5.69%. Sezzle Inc. has the higher net margin (31.4% vs 19.1%) and the higher return on invested capital (49.8% vs 8.72%). Across the 19 metrics below, Sezzle Inc. leads on 13 and SLM Corporation on 6.

Valuation

Metric SEZL SLM Credit Services median
P/E 28.61 6.27 8.96
P/S 8.89 1.13 1.00
P/B 18.62 1.63 1.23
Price to free cash flow 19.03 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.50% 15.95% 7.17%
Free cash flow yield 5.25% (11.71%) 11.75%

Profitability

Metric SEZL SLM Credit Services median
Gross margin 0.00% 61.95% 76.61%
Operating margin 41.87% 0.00% 0.34%
Net margin 31.39% 19.12% 8.35%
Free cash flow margin (0.66%) (13.20%) 8.73%
Return on equity 84.34% 27.00% 9.05%
Return on assets 43.03% 1.86% 1.94%
Return on invested capital 49.84% 8.72% 4.56%

Growth

Metric SEZL SLM Credit Services median
Revenue growth (TTM) 38.93% (5.69%) 4.49%
EPS growth (last fiscal year) 69.99% 29.10% 21.94%
Revenue growth, 5-year CAGR 50.26% 5.73% 9.22%
Net income growth, 5-year CAGR 0.00% (3.49%) 0.00%

Health

Metric SEZL SLM Credit Services median
Debt to equity 0.37 2.45 0.69
Current ratio 4.21 1.23 1.26
Net debt to EBITDA 0.38 0.00 0.11

Dividend

Metric SEZL SLM Credit Services median
Dividend yield — 2.96% 1.64%
Payout ratio — 0.19 0.21

Size

Metric SEZL SLM Credit Services median
Market cap 5.24b 3.20b 759.73m

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