PayPal Holdings Inc (PYPL)vsSezzle Inc. (SEZL)
PYPL
PayPal Holdings Inc
$53.72
+0.77%
FINANCIAL SERVICES · Cap: $45.49B
SEZL
Sezzle Inc.
$118.87
+0.39%
FINANCIAL SERVICES · Cap: $3.99B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 6316% more annual revenue ($34.13B vs $531.89M). SEZL leads profitability with a 30.3% profit margin vs 14.4%. SEZL appears more attractively valued with a PEG of 0.07. SEZL earns a higher WallStSmart Score of 77/100 (B+).
PYPL
Buy65
out of 100
Grade: C+
SEZL
Strong Buy77
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
Generating 1.8B in free cash flow
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
4.8% revenue growth
Distress zone — elevated risk
Earnings declined 3.1%
Moderate valuation
Trading at 17.2x 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 0.91 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 30.3% and operating margin at 57.2%. Revenue growth of 51.7% demonstrates continued momentum.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score, EPS Growth.
Bear Case : SEZL
The primary concerns for SEZL are P/E Ratio, 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 6.67 — expect wider price swings.
SEZL is growing revenue faster at 51.7% — sustainability is the question.
PYPL generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
SEZL scores higher overall (77/100 vs 65/100), backed by strong 30.3% margins and 51.7% revenue growth. Both earn "Strong Buy" and "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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