COMP <GO>
CACC vs SEZL // NET PROFIT MARGIN
Credit Acceptance Corporation (NASDAQ) VS. Sezzle Inc. (NASDAQ) • 15-METRIC TALLY: CACC 2
— SEZL 8
▲ NET PROFIT MARGIN LEADER: SEZL
LAST: $484.76 (+4.27%) • MKT CAP: $4.71B
net-margins
0.00%
LAST: $128.32 (-4.84%) • MKT CAP: $4.56B
net-margins
0.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CACC VS. SEZL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CACC | SEZL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 0.00% | 38.60% | -38.60 | SEZL | /roic <GO> |
| EV/EBITDA & P/E Valuation | 95.0x | 25.7x | +69.30 | SEZL | /valuation <GO> |
| Free Cash Flow Yield | 17.62% | 4.63% | +12.99 | CACC | /fcf-yield <GO> |
| Operating Margin | 0.00% | 74.90% | -74.90 | SEZL | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 0.00% | 0.10% | -0.10 | SEZL | /net-margins <GO> |
| Revenue Growth (YoY) | 7.20% | 69.20% | -62.00 | SEZL | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 9/9 | -1.00 | SEZL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 39.3 | 59.2 | -19.90 | SEZL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.02 | 1.16 | -0.14 | SEZL | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.71B | $4.56B | $157.1M | CACC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CACC REV | SEZL REV | CACC GROSS % | SEZL GROSS % | CACC FCF | SEZL FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.32B | $235.9M | — | — | $1.05B | $209.3M |
| FY 2024 | $2.16B | $139.4M | — | — | $1.14B | $130.6M |
| FY 2023 | $1.90B | $60.6M | — | — | $1.12B | -$28.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CACC // BETA 1.02
SEZL // BETA 1.16