Affirm Holdings Inc (AFRM)vsSezzle Inc. (SEZL)
AFRM
Affirm Holdings Inc
$74.84
+2.07%
FINANCIAL SERVICES · Cap: $24.52B
SEZL
Sezzle Inc.
$133.86
+2.95%
FINANCIAL SERVICES · Cap: $4.39B
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 701% more annual revenue ($4.26B vs $531.89M). AFRM leads profitability with a 45.3% profit margin vs 30.3%. SEZL appears more attractively valued with a PEG of 0.08. SEZL earns a higher WallStSmart Score of 75/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
SEZL
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 35 in profit
Keeps 45 of every $100 in revenue as profit
Revenue surging 33.0% year-over-year
Earnings expanding 2187.0% YoY
Attractively priced relative to earnings
Growing faster than its price suggests
Every $100 of equity generates 75 in profit
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 57.2%
Revenue surging 51.7% year-over-year
Earnings expanding 50.0% YoY
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Moderate valuation
Trading at 19.3x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on Return on Equity, Profit Margin, Revenue Growth. Profitability is solid with margins at 45.3% and operating margin at 12.6%. Revenue growth of 33.0% demonstrates continued momentum.
Bull Case : SEZL
The strongest argument for SEZL centers on PEG Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 30.3% and operating margin at 57.2%. Revenue growth of 51.7% demonstrates continued momentum.
Bear Case : AFRM
The primary concerns for AFRM are Debt/Equity, Piotroski F-Score, PEG Ratio. Debt-to-equity of 1.79 is elevated, increasing financial risk.
Bear Case : SEZL
The primary concerns for SEZL are P/E Ratio, Price/Book.
Key Dynamics to Monitor
SEZL carries more volatility with a beta of 6.73 — expect wider price swings.
SEZL is growing revenue faster at 51.7% — sustainability is the question.
AFRM generates stronger free cash flow (229M), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SEZL scores higher overall (75/100 vs 70/100), backed by strong 30.3% margins and 51.7% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Affirm Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Affirm Holdings, Inc. operates a platform for digital and mobile commerce in the United States and Canada. The company is headquartered in San Francisco, California.
Visit Website →Sezzle Inc.
FINANCIAL SERVICES · CREDIT SERVICES · USA
Sezzle Inc. is a technology-enabled payments company primarily in the United States and Canada. The company is headquartered in Minneapolis, Minnesota.
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