Mastercard Inc (MA)vsSezzle Inc. (SEZL)
MA
Mastercard Inc
$491.08
+0.71%
FINANCIAL SERVICES · Cap: $422.07B
SEZL
Sezzle Inc.
$120.97
+3.00%
FINANCIAL SERVICES · Cap: $4.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 6957% more annual revenue ($33.94B vs $480.91M). MA leads profitability with a 45.9% profit margin vs 30.8%. SEZL appears more attractively valued with a PEG of 0.07. SEZL earns a higher WallStSmart Score of 73/100 (B).
MA
Strong Buy70
out of 100
Grade: B
SEZL
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 232 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 60.8%
Safe zone — low bankruptcy risk
15.8% revenue growth
Growing faster than its price suggests
Every $100 of equity generates 75 in profit
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 61.0%
Safe zone — low bankruptcy risk
Revenue surging 29.2% year-over-year
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 64.8x book value
Elevated debt levels
Trading at 20.6x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.9% and operating margin at 60.8%. Revenue growth of 15.8% 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 30.8% and operating margin at 61.0%. Revenue growth of 29.2% demonstrates continued momentum.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.82 is elevated, increasing financial risk.
Bear Case : SEZL
The primary concerns for SEZL are Price/Book.
Key Dynamics to Monitor
SEZL carries more volatility with a beta of 6.97 — expect wider price swings.
SEZL is growing revenue faster at 29.2% — sustainability is the question.
MA generates stronger free cash flow (2.8B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SEZL scores higher overall (73/100 vs 70/100), backed by strong 30.8% margins and 29.2% 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.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
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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