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