Repay vs Sezzle
RPAY and SEZL side by side, both in miscellaneous business services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How RPAY and SEZL compare
Sezzle is the larger company, worth 14 times as much as Repay ($5.2B against $376M).
Sezzle grew revenue faster over the last twelve months (38.9% versus 33.8% for Repay).
Sezzle keeps more of each dollar of sales as profit, with a net margin of 31.4% compared with −41.2% at Repay.
Sezzle scores higher on the StockData Score (10 against 6 for Repay), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | RPAY | SEZL |
|---|---|---|
| Size and price | ||
| Market cap | $376M | $5.2B |
| Share price | $4.18 | $154.60 |
| Change, 1 year | 15.8% | 170% |
| Change, 5 years | −77.6% | 28356% |
| Beta (5Y) | 1.48 | −0.82 |
| Employees | 486 | 201 |
| StockData Score | ||
| Total score | 6 | 10 (better) |
| Valuation score | 3 (better) | 0 |
| Growth score | 2 | 3 (better) |
| Performance score | 0 | 4 (better) |
| Health score | 1 | 3 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | – | 29.8× |
| P/S | 0.9× (better) | 9.0× |
| P/B | 0.8× (better) | 18.7× |
| EV/EBITDA | – | 20.9× |
| P/FCF | 4.3× (better) | 17.5× |
| FCF yield | 23.2% (better) | 5.7% |
| Fair value | $10.15 | $115.58 |
| Margin of safety | 58.8% (better) | −33.8% |
| Growth | ||
| Revenue growth (TTM) | 33.8% | 38.9% (better) |
| Revenue growth, 5Y average | 14.8% | 50.3% (better) |
| Net income growth (TTM) | – | 57.7% |
| EPS growth (TTM) | – | 60.7% |
| Profitability | ||
| Gross margin | 70.1% | – |
| Operating margin | −35.4% | 41.9% (better) |
| Net margin | −41.2% | 31.4% (better) |
| FCF margin | 21.1% | 51.2% (better) |
| Return on equity | −31.4% | 84.3% (better) |
| Return on invested capital | −11.0% | 169% (better) |
| Financial health | ||
| Debt / equity | 1.61 | – |
| Interest coverage | −4.6× | 19.1× (better) |
| Current ratio | 1.39 | 4.21 (better) |
| Altman Z-score | −0.34 | 19.34 (better) |
| Piotroski F-score | 4 | 8 (better) |
| Dividends and buybacks | ||
| Buyback yield | – | 1.3% |
| Shareholder yield | 0.00% | 1.3% (better) |
| Ownership | ||
| Held by institutions | 80.1% | 44.1% |
| Held by insiders | 46.5% | 45.2% |
| Insider net buying, 12 months | $13.0M (better) | −$26.8M |
| Short interest, % of float | 7.7% | 23.9% |
Go deeper
- RPAY stock overview
- RPAY income statement
- RPAY valuation and score
- SEZL stock overview
- SEZL income statement
- SEZL valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.