Sezzle Inc. (SEZL) vs Upstart Holdings, Inc. (UPST)
Sezzle Inc. and Upstart Holdings, Inc. are both Credit Services companies. Sezzle Inc. is the larger, with a market value of $3.8B against $2.4B — 1.6× the size. Sezzle Inc. trades at the lower P/E: 23.6× against 38.4×. Upstart Holdings, Inc. grew revenue faster over the last twelve months: 46.3% against 43.1%. Sezzle Inc. has the higher net margin (30.4% vs 4.84%) and the higher return on invested capital (49.7% vs 1.75%). Across the 21 metrics below, Sezzle Inc. leads on 15 and Upstart Holdings, Inc. on 6.
Valuation
Profitability
| Metric | SEZL | UPST | Credit Services median |
|---|---|---|---|
| Gross margin | 82.59% | 82.50% | 77.13% |
| Operating margin | 40.39% | 3.99% | 0.34% |
| Net margin | 30.35% | 4.84% | 9.25% |
| Free cash flow margin | 51.12% | (24.49%) | 13.03% |
| Return on equity | 88.85% | 7.94% | 8.49% |
| Return on assets | 40.01% | 2.14% | 2.29% |
| Return on invested capital | 49.69% | 1.75% | 4.09% |
Growth
Health
Dividend
Size
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