Sezzle [SEZL] vs OneMain Holdings [OMF] Detailed Stock Comparison

Sezzle Inc.

NASDAQ
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OneMain Holdings Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Sezzle Inc. wins in 8 metrics, OneMain Holdings Inc. wins in 10 metrics, with 0 ties. OneMain Holdings Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Sezzle Inc. OneMain Holdings Inc. Better
P/E Ratio (TTM) 21.44 8.98 OneMain Holdings Inc.
Price-to-Book Ratio 15.87 2.03 OneMain Holdings Inc.
Debt-to-Equity Ratio 82.93 671.07 Sezzle Inc.
PEG Ratio 13.54 0.14 OneMain Holdings Inc.
EV/EBITDA 10.41 N/A N/A
Profit Margin (TTM) 29.57% 26.34% Sezzle Inc.
Operating Margin (TTM) 60.82% 33.65% Sezzle Inc.
EBITDA Margin (TTM) 60.82% 33.65% Sezzle Inc.
Return on Equity 103.34% 23.76% Sezzle Inc.
Return on Assets (TTM) 47.62% 2.94% Sezzle Inc.
Free Cash Flow (TTM) $207.21M $3.13B OneMain Holdings Inc.
Dividend Yield N/A 7.31% N/A
1-Year Return 10.72% 6.69% Sezzle Inc.
Price-to-Sales Ratio (TTM) 5.99 2.33 OneMain Holdings Inc.
Enterprise Value $2.77B $28.81B OneMain Holdings Inc.
EV/Revenue Ratio 6.16 9.69 Sezzle Inc.
Gross Profit Margin (TTM) 71.95% N/A N/A
Revenue per Share (TTM) $13 $25 OneMain Holdings Inc.
Earnings per Share (Diluted) $3.72 $6.56 OneMain Holdings Inc.
Beta (Stock Volatility) 8.18 1.26 OneMain Holdings Inc.
Short % of Float 25.12% 4.29% OneMain Holdings Inc.

Sezzle Inc. vs OneMain Holdings Inc. Stock Performance Analysis

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SEZL
OMF

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Sezzle Inc.-4.12%7.68%37.77%56.24%97.61%81.78%
OneMain Holdings Inc.-2.04%1.36%-1.21%-1.98%-13.53%-21.07%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Sezzle Inc.10.72%45.72%45.72%45.72%45.72%45.72%
OneMain Holdings Inc.6.69%35.40%-6.56%86.86%173.81%173.81%

Performance & Financial Health Analysis: Sezzle Inc. vs OneMain Holdings Inc.

MetricSEZLOMF
Market Information
Market Cap i$2.66B$6.95B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i941,4761,336,380
90 Day Avg. Volume i712,6451,567,323
Last Close$113.55$53.41
52 Week Range$49.50 - $186.74$45.78 - $71.93
% from 52W High-39.19%-25.75%
All-Time High$186.74 (Jul 08, 2025)$71.93 (Jan 09, 2026)
% from All-Time High-39.19%-25.75%
Growth Metrics
Quarterly Revenue Growth0.32%0.12%
Quarterly Earnings Growth0.68%0.62%
Financial Health
Profit Margin (TTM) i0.30%0.26%
Operating Margin (TTM) i0.61%0.34%
Return on Equity (TTM) i1.03%0.24%
Debt to Equity (MRQ) i82.93671.07
Cash & Liquidity
Book Value per Share (MRQ)$5.02$29.02
Cash per Share (MRQ)$1.90$7.80
Operating Cash Flow (TTM) i$209.91M$3.13B
Levered Free Cash Flow (TTM) i$43.94M$783.00M
Dividends
Last 12-Month Dividend Yield iN/A7.31%
Last 12-Month Dividend iN/A$4.18

Valuation & Enterprise Metrics Analysis: Sezzle Inc. vs OneMain Holdings Inc.

MetricSEZL (Apr 26, 2026)OMF (Apr 23, 2026)
Price Ratios
P/E Ratio (TTM) i21.448.98
Forward P/E i13.546.66
PEG Ratio i13.540.14
Price to Sales (TTM) i5.992.33
Price to Book (MRQ) i15.872.03
Market Capitalization
Market Capitalization i$2.66B$6.95B
Enterprise Value i$2.77B$28.81B
Enterprise Value Metrics
Enterprise to Revenue i6.169.69
Enterprise to EBITDA i10.41N/A
Risk & Other Metrics
Beta i8.181.26
Book Value per Share (MRQ) i$5.02$29.02

Financial Statements Comparison: Sezzle Inc. vs OneMain Holdings 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)OMF (2025)
Revenue/Sales i450.28M4.97B
Cost of Goods Sold i134.81MN/A
COGS % of Revenue i29.9%0.0%
Gross Profit i315.47MN/A
Gross Margin i70.1%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i162.77MN/A
Operating Margin i36.1%0.0%
EBITDA i164.12MN/A
EBITDA Margin i36.4%0.0%
Pre-Tax Income i162.89M1.00B
Pre-Tax Income % of Revenue i36.2%20.1%
Income Tax i29.76M218.00M
Income Tax % of Revenue i6.6%4.4%
Net Income (Profit) i133.13M783.00M
Profit Margin i29.6%15.8%

Balance Sheet & Liquidity Metrics

MetricSEZL (2025)OMF (2025)
Cash & Equivalents i64.05M738.00M
Total Current Assets i351.86MN/A
Total Current Assets % of Revenue i78.1%0.0%
Total Current Liabilities i89.77MN/A
Total Current Liabilities % of Revenue i19.9%0.0%
Long-Term Debt i140.65M22.69B
Long-Term Debt % of Revenue i31.2%456.6%
Total Shareholders Equity i169.81M3.40B
Retained Earnings i-324,0002.58B
Retained Earnings % of Revenue i-0.1%51.9%
Property, Plant & Equipment i665,000N/A

Cash Flow Statement Comparison

MetricSEZL (2025)OMF (2025)
Operating Cash Flow i96.27M1.15B
Operating Cash Flow % of Revenue i21.4%23.0%
Capital Expenditures i-655,000N/A
Free Cash Flow i207.21M3.13B
FCF Margin i46.0%63.0%
Debt Repayment i-144.60M-6.82B
Common Stock Repurchase i-64.66M-141.00M

Short Interest & Institutional Ownership Analysis

MetricSEZLOMF
Shares Short i4.42M4.48M
Short Ratio i7.282.58
Short % of Float i25.12%4.29%
Shares Outstanding i33.80M117.20M
Float Shares i17.14M116.51M
% Held by Insiders i49.08%0.35%
% Held by Institutions i39.92%94.28%
% Held by Public i11.00%5.37%

Dividend Analysis & Yield Comparison: Sezzle Inc. vs OneMain Holdings Inc.

MetricSEZLOMF
Last 12-Month Dividend iN/A$4.18
Last 12-Month Dividend Yield iN/A7.31%
3-Year Avg Annual Dividend iN/A$4.11
3-Year Avg Dividend Yield iN/A2.12%
3-Year Total Dividends iN/A$12.34
Ex-Dividend DateN/AFeb 17, 2026