Sezzle [SEZL] vs Mastercard [MA] Detailed Stock Comparison

Sezzle Inc.

NASDAQ
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Mastercard Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Sezzle Inc. wins in 10 metrics, Mastercard Inc. wins in 10 metrics, with 0 ties. Both stocks appear equally matched on key metrics.

View Metrics Details

Vital Metrics Comparison

Metric Sezzle Inc. Mastercard Inc. Better
P/E Ratio (TTM) 21.44 30.95 Sezzle Inc.
Price-to-Book Ratio 15.87 59.09 Sezzle Inc.
Debt-to-Equity Ratio 82.93 256.04 Sezzle Inc.
PEG Ratio 13.54 1.27 Mastercard Inc.
EV/EBITDA 10.41 22.63 Sezzle Inc.
Profit Margin (TTM) 29.57% 45.65% Mastercard Inc.
Operating Margin (TTM) 60.82% 57.73% Sezzle Inc.
EBITDA Margin (TTM) 60.82% 57.73% Sezzle Inc.
Return on Equity 103.34% 209.92% Mastercard Inc.
Return on Assets (TTM) 47.62% 23.72% Sezzle Inc.
Free Cash Flow (TTM) $207.21M $16.43B Mastercard Inc.
Dividend Yield N/A 0.55% N/A
1-Year Return -0.63% -12.82% Sezzle Inc.
Price-to-Sales Ratio (TTM) 5.99 13.92 Sezzle Inc.
Enterprise Value $2.77B $464.97B Mastercard Inc.
EV/Revenue Ratio 6.16 14.18 Sezzle Inc.
Gross Profit Margin (TTM) 71.95% 79.35% Mastercard Inc.
Revenue per Share (TTM) $13 $36 Mastercard Inc.
Earnings per Share (Diluted) $3.72 $16.52 Mastercard Inc.
Beta (Stock Volatility) 8.18 0.83 Mastercard Inc.
Short % of Float 25.12% 0.70% Mastercard Inc.

Sezzle Inc. vs Mastercard Inc. Stock Performance Analysis

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SEZL
MA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Sezzle Inc.10.11%20.60%48.16%118.74%120.83%124.28%
Mastercard Inc.0.13%1.02%-0.72%-3.51%-13.79%-12.87%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Sezzle Inc.-0.63%63.67%63.67%63.67%63.67%63.67%
Mastercard Inc.-12.82%30.13%33.36%425.22%1,741.34%10,788.44%

Performance & Financial Health Analysis: Sezzle Inc. vs Mastercard Inc.

MetricSEZLMA
Market Information
Market Cap i$2.66B$448.34B
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i941,4763,152,477
90 Day Avg. Volume i712,6453,291,506
Last Close$146.12$490.64
52 Week Range$49.50 - $186.74$464.52 - $601.77
% from 52W High-21.75%-18.47%
All-Time High$186.74 (Jul 08, 2025)$601.77 (Aug 22, 2025)
% from All-Time High-21.75%-18.47%
Growth Metrics
Quarterly Revenue Growth0.32%0.18%
Quarterly Earnings Growth0.68%0.22%
Financial Health
Profit Margin (TTM) i0.30%0.46%
Operating Margin (TTM) i0.61%0.58%
Return on Equity (TTM) i1.03%2.10%
Debt to Equity (MRQ) i82.93256.04
Cash & Liquidity
Book Value per Share (MRQ)$5.02$8.65
Cash per Share (MRQ)$1.90$12.22
Operating Cash Flow (TTM) i$209.91M$17.65B
Levered Free Cash Flow (TTM) i$43.94M$16.27B
Dividends
Last 12-Month Dividend Yield iN/A0.55%
Last 12-Month Dividend iN/A$3.15

Valuation & Enterprise Metrics Analysis: Sezzle Inc. vs Mastercard Inc.

MetricSEZL (Apr 26, 2026)MA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i21.4430.95
Forward P/E i13.5422.56
PEG Ratio i13.541.27
Price to Sales (TTM) i5.9913.92
Price to Book (MRQ) i15.8759.09
Market Capitalization
Market Capitalization i$2.66B$448.34B
Enterprise Value i$2.77B$464.97B
Enterprise Value Metrics
Enterprise to Revenue i6.1614.18
Enterprise to EBITDA i10.4122.63
Risk & Other Metrics
Beta i8.180.83
Book Value per Share (MRQ) i$5.02$8.65

Financial Statements Comparison: Sezzle Inc. vs Mastercard Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSEZL (2025)MA (2025)
Revenue/Sales i450.28M32.79B
Cost of Goods Sold i134.81M7.25B
COGS % of Revenue i29.9%22.1%
Gross Profit i315.47M25.54B
Gross Margin i70.1%77.9%
Research & Development iN/AN/A
Operating Income (EBIT) i162.77M19.51B
Operating Margin i36.1%59.5%
EBITDA i164.12M20.82B
EBITDA Margin i36.4%63.5%
Pre-Tax Income i162.89M18.58B
Pre-Tax Income % of Revenue i36.2%56.7%
Income Tax i29.76M3.61B
Income Tax % of Revenue i6.6%11.0%
Net Income (Profit) i133.13M14.97B
Profit Margin i29.6%45.6%

Balance Sheet & Liquidity Metrics

MetricSEZL (2025)MA (2025)
Cash & Equivalents i64.05M10.57B
Total Current Assets i351.86M23.56B
Total Current Assets % of Revenue i78.1%71.8%
Total Current Liabilities i89.77M22.76B
Total Current Liabilities % of Revenue i19.9%69.4%
Long-Term Debt i140.65M18.25B
Long-Term Debt % of Revenue i31.2%55.7%
Total Shareholders Equity i169.81M7.75B
Retained Earnings i-324,00085.04B
Retained Earnings % of Revenue i-0.1%259.3%
Property, Plant & Equipment i665,0003.71B

Cash Flow Statement Comparison

MetricSEZL (2025)MA (2025)
Operating Cash Flow i96.27M19.44B
Operating Cash Flow % of Revenue i21.4%59.3%
Capital Expenditures i-655,000-489.00M
Free Cash Flow i207.21M16.43B
FCF Margin i46.0%50.1%
Debt Repayment i-144.60M-750.00M
Common Stock Repurchase i-64.66M-11.73B

Short Interest & Institutional Ownership Analysis

MetricSEZLMA
Shares Short i4.42M6.24M
Short Ratio i7.281.83
Short % of Float i25.12%0.70%
Shares Outstanding i33.80M894.04M
Float Shares i17.14M883.99M
% Held by Insiders i49.08%0.55%
% Held by Institutions i39.92%90.43%
% Held by Public i11.00%9.02%

Dividend Analysis & Yield Comparison: Sezzle Inc. vs Mastercard Inc.

MetricSEZLMA
Last 12-Month Dividend iN/A$3.15
Last 12-Month Dividend Yield iN/A0.55%
3-Year Avg Annual Dividend iN/A$2.75
3-Year Avg Dividend Yield iN/A0.14%
3-Year Total Dividends iN/A$8.26
Ex-Dividend DateN/AJan 09, 2026