Pricing Log in Create free account

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 $4.5B against $2.4B — 1.9× the size. Sezzle Inc. trades at the lower P/E: 27.0× against 38.0×. 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 19 metrics below, Sezzle Inc. leads on 14 and Upstart Holdings, Inc. on 5.

Valuation

Metric SEZL UPST Credit Services median
P/E 27.04 38.00 9.39
P/S 8.07 1.83 0.86
P/B 18.43 2.85 1.16
Price to free cash flow 15.79 n/m 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.70% 2.63% 6.55%
Free cash flow yield 6.33% (13.41%) 12.26%

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%) 12.91%
Return on equity 88.85% 7.94% 8.49%
Return on assets 40.01% 2.14% 2.16%
Return on invested capital 49.69% 1.75% 4.09%

Growth

Metric SEZL UPST Credit Services median
Revenue growth (TTM) 43.06% 46.30% 4.62%
EPS growth (last fiscal year) 69.99% 131.25% 21.94%
Revenue growth, 5-year CAGR 50.26% 34.93% 9.13%
Net income growth, 5-year CAGR 0.00% 55.04% 0.00%

Health

Metric SEZL UPST Credit Services median
Debt to equity 0.52 2.51 0.68
Current ratio 4.02 0.49 1.55
Net debt to EBITDA 0.38 10.83 0.13

Dividend

Metric SEZL UPST Credit Services median
Dividend yield — — 1.64%
Payout ratio — — 0.22

Size

Metric SEZL UPST Credit Services median
Market cap 4.47b 2.41b 751.08m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack