COMP <GO>
SEZL vs ENVA // RETURN ON INVESTED CAPITAL (ROIC)
Sezzle Inc. (NASDAQ) VS. Enova International Inc. (NYSE) • 15-METRIC TALLY: SEZL 6
— ENVA 3
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: SEZL
LAST: $128.32 (-4.84%) • MKT CAP: $4.56B
roic
38.60%
LAST: $173.94 (-0.09%) • MKT CAP: $4.26B
roic
17.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SEZL VS. ENVA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SEZL | ENVA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 38.60% | 17.10% | +21.50 | SEZL | /roic <GO> |
| EV/EBITDA & P/E Valuation | 25.7x | 7.6x | +18.10 | ENVA | /valuation <GO> |
| Free Cash Flow Yield | 4.63% | 22.00% | -17.37 | ENVA | /fcf-yield <GO> |
| Operating Margin | 74.90% | 23.50% | +51.40 | SEZL | /operating-margins <GO> |
| Net Profit Margin | 0.10% | 9.80% | -9.70 | ENVA | /net-margins <GO> |
| Revenue Growth (YoY) | 69.20% | 18.60% | +50.60 | 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 | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.2 | 44.5 | +14.70 | SEZL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.16 | 0.00 | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 12.1x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.56B | $4.26B | $297.4M | SEZL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SEZL REV | ENVA REV | SEZL GROSS % | ENVA GROSS % | SEZL FCF | ENVA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $235.9M | $3.15B | — | 58.1% | $209.3M | $1.68B |
| FY 2024 | $139.4M | $2.66B | — | 57.5% | $130.6M | $1.42B |
| FY 2023 | $60.6M | $2.12B | — | — | -$28.4M | $1.07B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SEZL // BETA 1.16
ENVA // BETA 1.16