SEZL
Sezzle Inc.
SEZL offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
SOFI
SoFi Technologies, Inc.
SOFI has a slight edge over SEZL overall, supported by lower modeled downside and stronger valuation.
SEZL Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
SEZL's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like SEZL.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
SEZL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 20x | $102 | -34% |
| Forward | 23x | $155 | — |
| Fair | 26x | $137 | -11% |
| Current | 30x | $155 | — |
| Expensive | 39x | $201 | +30% |
Historical ranges are pointers, not guarantees.
SEZL's PE is in its expensive range at 30x. If earnings grow as analysts expect, today's price would be 23x next year's earnings, in its fair range.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over SEZL in the historical PE scenario, which offers more potential upside but is not a forecast.
SEZL Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for SEZL, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
SEZL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.68 | +28% |
| Q3 2026 | $5.21 | +61% |
| Q2 2026 | $4.58 | +57% |
| Q1 2026 | $4.19 | +42% |
| Q4 2025 | $3.72 | +70% |
| Q3 2025 | $3.24 | +106% |
| Q2 2025 | $2.92 | +150% |
| Q1 2025 | $2.96 | +679% |
| Q4 2024 | $2.19 | +3.3% |
SEZL has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
SEZL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $166.5M | +43% |
| Q2 2026 | $149.7M | +52% |
| Q1 2026 | $135.5M | +29% |
| Q4 2025 | $129.9M | +32% |
| Q3 2025 | $116.8M | +67% |
| Q2 2025 | $98.7M | +76% |
| Q1 2025 | $104.9M | +123% |
| Q4 2024 | $98.2M | +101% |
SEZL has the edge over SOFI on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +8.1 points |
| Q2 2026 | 37% | +0.2 points |
| Q1 2026 | 51% | +3.4 points |
| Q4 2025 | 43% | +11 points |
| Q3 2025 | 30% | +0.7 points |
| Q2 2025 | 37% | +6.7 points |
| Q1 2025 | 48% | +18 points |
| Q4 2024 | 31% | +16 points |
SEZL has the edge over SOFI on profitability, with a higher operating margin.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
SEZL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $86.5M | +163% |
| Q2 2026 | $51.8M | +$88.6M |
| Q1 2026 | $88.6M | +51% |
| Q4 2025 | $70.6M | +7426% |
| Q3 2025 | $32.9M | +478% |
| Q2 2025 | -$36.7M | -$32.3M |
| Q1 2025 | $58.8M | +52% |
| Q4 2024 | $937.7K | +$16M |
SEZL has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
SEZL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +29K shares |
| 1 year | -2.6% | -922K shares |
| 3 years | +1.1% | +375K shares |
SEZL has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6.6M |
| Q2 2026 | $7.1M |
| Q1 2026 | $25.7M |
| Q4 2025 | $30M |
| Q3 2025 | $4M |
| Q2 2025 | $28.2M |
| Q1 2025 | $2.4M |
| Q4 2024 | $1.5M |
SEZL spent $69M buying back its own shares over the past year, up 92% from the year before.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
SEZL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.1x | Very low |
| Q4 2025 | 0.4x | Very low |
| Q3 2025 | 0.1x | Very low |
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | 0.4x | Very low |
SEZL's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like SEZL.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over SEZL on leverage, with a lower net debt burden relative to earnings.
SEZL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.8 | Neutral |
| Stochastic | 53.9 | Neutral |
SEZL's weekly RSI is 64 (neutral) and its Stochastic is 54 (neutral).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
SEZL PE vs Financial Services Sector
| Metric | SEZL | Sector median | Relative |
|---|---|---|---|
| PE | 30x | 13x | 128% above |
| PE % | 68 | 45 | 23 pts above |
SEZL is trading at 30x earnings, a 128% premium to the Financial Services sector's median of 13x.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI has the edge over SEZL on valuation relative to its sector.
SEZL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $130.8 | 18% above |
| 20 week MA | $136.9 | 13% above |
| 50 week MA | $105.3 | 47% above |
| 100 week MA | $91.7 | 69% above |
SEZL has stronger trend alignment. SEZL is above 4 of 4 weekly averages versus SOFI above 1 of 5.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
SEZL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $1.23 | $3.42 | +178% |
| 2024 | $3.42 | $44.2 | +1192% |
| 2025 | $44.2 | $70.5 | +60% |
| 2026 YTD | $70.5 | $154.7 | +119% |
SEZL has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.