PayPal Holdings Inc (PYPL)vsSezzle Inc. (SEZL)
PYPL
PayPal Holdings Inc
$41.29
+0.70%
FINANCIAL SERVICES · Cap: $36.63B
SEZL
Sezzle Inc.
$120.97
+3.00%
FINANCIAL SERVICES · Cap: $4.46B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 6915% more annual revenue ($33.73B vs $480.91M). SEZL leads profitability with a 30.8% profit margin vs 15.0%. SEZL appears more attractively valued with a PEG of 0.07. SEZL earns a higher WallStSmart Score of 73/100 (B).
PYPL
Strong Buy72
out of 100
Grade: B
SEZL
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 25 in profit
Growing faster than its price suggests
Reasonable price relative to book value
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
Distress zone — elevated risk
Earnings declined 6.2%
Trading at 20.6x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.75 suggests the stock is reasonably priced for its growth.
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 : PYPL
The primary concerns for PYPL are Altman Z-Score, EPS Growth.
Bear Case : SEZL
The primary concerns for SEZL are Price/Book.
Key Dynamics to Monitor
PYPL profiles as a value stock while SEZL is a growth play — different risk/reward profiles.
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.
PYPL generates stronger free cash flow (911M), providing more financial flexibility.
Bottom Line
SEZL scores higher overall (73/100 vs 72/100), 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.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
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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