WallStSmart

Mastercard Inc (MA)vsSezzle Inc. (SEZL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mastercard Inc generates 6496% more annual revenue ($35.08B vs $531.89M). MA leads profitability with a 46.3% profit margin vs 30.3%. SEZL appears more attractively valued with a PEG of 0.07. SEZL earns a higher WallStSmart Score of 77/100 (B+).

MA

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 10.0Value: 5.0Quality: 5.5
Piotroski: 5/9Altman Z: 4.10

SEZL

Strong Buy

77

out of 100

Grade: B+

Growth: 10.0Profit: 10.0Value: 7.0Quality: 8.0
Piotroski: 5/9Altman Z: 4.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MA6 strengths · Avg: 9.7/10
Market CapQuality
$498.62B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
289.7%10/10

Every $100 of equity generates 290 in profit

Profit MarginProfitability
46.3%10/10

Keeps 46 of every $100 in revenue as profit

Operating MarginProfitability
61.1%10/10

Strong operational efficiency at 61.1%

Altman Z-ScoreHealth
4.1010/10

Safe zone — low bankruptcy risk

EPS GrowthGrowth
22.1%8/10

Earnings expanding 22.1% YoY

SEZL6 strengths · Avg: 10.0/10
PEG RatioValuation
0.0710/10

Growing faster than its price suggests

Return on EquityProfitability
75.4%10/10

Every $100 of equity generates 75 in profit

Profit MarginProfitability
30.3%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
57.2%10/10

Strong operational efficiency at 57.2%

Revenue GrowthGrowth
51.7%10/10

Revenue surging 51.7% year-over-year

EPS GrowthGrowth
50.0%10/10

Earnings expanding 50.0% YoY

Areas to Watch

MA3 concerns · Avg: 2.3/10
P/E RatioValuation
31.3x4/10

Premium valuation, high expectations priced in

Price/BookValuation
88.9x2/10

Trading at 88.9x book value

Debt/EquityHealth
4.391/10

Elevated debt levels

SEZL2 concerns · Avg: 4.0/10
P/E RatioValuation
25.9x4/10

Moderate valuation

Price/BookValuation
17.6x4/10

Trading at 17.6x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : MA

The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 46.3% and operating margin at 61.1%. Revenue growth of 14.1% demonstrates continued momentum.

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 : MA

The primary concerns for MA are P/E Ratio, Price/Book, Debt/Equity. Debt-to-equity of 4.39 is elevated, increasing financial risk.

Bear Case : SEZL

The primary concerns for SEZL are P/E Ratio, Price/Book.

Key Dynamics to Monitor

MA profiles as a mature 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.

MA generates stronger free cash flow (3.3B), providing more financial flexibility.

Bottom Line

SEZL scores higher overall (77/100 vs 72/100), backed by strong 30.3% margins and 51.7% revenue growth. Both earn "Strong Buy" and "Strong 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.

Mastercard Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.

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.

Want to dig deeper into these stocks?