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Sezzle Inc. (SEZL) vs Synchrony Financial (SYF)

Sezzle Inc. and Synchrony Financial are both Credit Services companies. Synchrony Financial is the larger, with a market value of $22.3B against $5.2B — 4.3× the size. Synchrony Financial trades at the lower P/E: 7.5× against 28.9×. Sezzle Inc. grew revenue faster over the last twelve months: 38.9% against 0.48%. Sezzle Inc. has the higher net margin (31.4% vs 14.0%) and the higher return on invested capital (49.8% vs 15.4%). Across the 20 metrics below, Sezzle Inc. leads on 12 and Synchrony Financial on 8.

Valuation

Metric SEZL SYF Credit Services median
P/E 28.95 7.46 8.59
P/S 8.99 0.99 0.97
P/B 18.84 1.55 1.20
Price to free cash flow 13.82 2.41 2.41
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.45% 13.40% 8.70%
Free cash flow yield 7.23% 41.45% 12.56%

Profitability

Metric SEZL SYF Credit Services median
Gross margin 83.44% 83.22% 77.36%
Operating margin 41.87% 0.00% 1.73%
Net margin 31.39% 13.97% 8.35%
Free cash flow margin 65.06% 41.17% 16.27%
Return on equity 84.34% 21.14% 9.11%
Return on assets 43.03% 2.71% 1.94%
Return on invested capital 49.84% 15.44% 4.90%

Growth

Metric SEZL SYF Credit Services median
Revenue growth (TTM) 38.93% 0.48% 4.49%
EPS growth (last fiscal year) 69.99% 8.54% 21.94%
Revenue growth, 5-year CAGR 50.26% 7.02% 9.59%
Net income growth, 5-year CAGR 0.00% 20.90% 0.00%

Health

Metric SEZL SYF Credit Services median
Debt to equity 0.37 1.03 0.69
Current ratio 4.21 1.23 1.58
Net debt to EBITDA 0.38 0.00 0.11

Dividend

Metric SEZL SYF Credit Services median
Dividend yield — 1.77% 1.71%
Payout ratio — 0.13 0.23

Size

Metric SEZL SYF Credit Services median
Market cap 5.23b 22.32b 627.84m

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