Mastercard Inc (MA)vsSezzle Inc. (SEZL)
MA
Mastercard Inc
$502.76
-0.40%
FINANCIAL SERVICES · Cap: $445.26B
SEZL
Sezzle Inc.
$68.79
-7.79%
FINANCIAL SERVICES · Cap: $2.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 7182% more annual revenue ($32.79B vs $450.28M). MA leads profitability with a 45.7% profit margin vs 29.6%. SEZL appears more attractively valued with a PEG of 0.06. SEZL earns a higher WallStSmart Score of 77/100 (B+).
MA
Strong Buy70
out of 100
Grade: B
SEZL
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+33.1%
Fair Value
$751.54
Current Price
$502.76
$248.78 discount
Margin of Safety
+63.9%
Fair Value
$174.10
Current Price
$68.79
$105.31 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 57.7%
Safe zone — low bankruptcy risk
17.6% revenue growth
Earnings expanding 24.2% YoY
Growing faster than its price suggests
Every $100 of equity generates 103 in profit
Strong operational efficiency at 60.8%
Revenue surging 32.2% year-over-year
Earnings expanding 66.8% YoY
Safe zone — low bankruptcy risk
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
ROE of 2.1% — below average capital efficiency
Trading at 58.1x book value
Trading at 13.7x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : MA
The strongest argument for MA centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 45.7% and operating margin at 57.7%. Revenue growth of 17.6% demonstrates continued momentum.
Bull Case : SEZL
The strongest argument for SEZL centers on PEG Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 60.8%. Revenue growth of 32.2% demonstrates continued momentum.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Return on Equity. Debt-to-equity of 2.45 is elevated, increasing financial risk.
Bear Case : SEZL
The primary concerns for SEZL are Price/Book.
Key Dynamics to Monitor
SEZL carries more volatility with a beta of 8.62 — expect wider price swings.
SEZL is growing revenue faster at 32.2% — sustainability is the question.
MA generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SEZL scores higher overall (77/100 vs 70/100), backed by strong 29.6% margins and 32.2% revenue growth. MA offers better value entry with a 33.1% margin of safety. 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.
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