LIVE
AFRM
Affirm Holdings, Inc. · Information Technology - Fintech / BNPL
$73.92
+13.20% this month
VERSUS
⟷
COMPARE
SEZL
Sezzle Inc. · Information Technology - Fintech / BNPL
$163.28
+52.94% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
AFRM
3
SEZL
1
Comparison scoreboard
AFRM LEADS 3/5AI Score
AFRM 25.7
SEZL ✓37.3
1Y Return
AFRM ✓+19.84%
SEZL +14.16%
Fwd P/E
AFRM ✓19.57
SEZL 25.14
Target Up.
AFRM ✓+12.74%
SEZL -17.73%
Op. Margin
AFRM N/A
SEZL N/A
Metrics last refreshed: 6/20/2026
Quick take
AFRM vs SEZL Stock Comparison: AI Score, Valuation, Performance and Upside
AFRM is the large-scale U.S. BNPL leader with major merchant partnerships and longer-duration installment loans, while SEZL is a much smaller BNPL company that has achieved early profitability with a simpler 4-pay product. Both compete in the buy-now-pay-later space but with significant differences in scale, product complexity, and market position.
AFRM vs SEZL compares the leading large-scale U.S. BNPL platform with deep merchant integrations against a smaller, already-profitable BNPL company with a simpler product and more modest ambitions.
Live analysis · updated 6/20/2026
AFRM holds the edge across 3 of 5 key metrics in this comparison. AFRM leads on both 1-year return (+19.84%) and forward P/E (19.57x vs 25.14x for SEZL), a relatively favorable combination of momentum and valuation. Analyst consensus implies meaningfully more upside for AFRM (+12.74%) than for SEZL (-17.73%).
Normalized 1Y performance
AFRM
SEZL
Recent returns
AFRM
SEZL
Analyst price targets & sentiment
AFRM · 27 analysts
STRONG BUYHOLDSTRONG SELL
Buy (1.6/5.0)
Price target range
analyst low$55.10
analyst high$100.00
analyst mean$83.34
current price$73.92
+12.7% upside to analyst mean
SEZL · 6 analysts
STRONG BUYHOLDSTRONG SELL
Buy (1.7/5.0)
Price target range
analyst low$108.00
analyst high$166.00
analyst mean$134.33
current price$163.28
-17.7% upside to analyst mean
Who should consider this stock?
AFRM may suit investors who:
- →Want exposure to the largest U.S. BNPL platform with Amazon, Shopify, and Walmart integrations
- →Believe longer-duration, interest-bearing installment loans provide a more durable BNPL business model
- →Are comfortable with the profitability trajectory of a large-scale BNPL network still optimizing unit economics
SEZL may suit investors who:
- →Want exposure to a smaller, already-profitable BNPL company with simpler unit economics
- →See potential in Sezzle's credit-building product as a consumer financial services expansion
- →Are comfortable with small-cap risk in a competitive BNPL market in exchange for a company already generating profits
Performance & AI score
| Metric | AFRM | SEZL |
|---|---|---|
| AI score | 25.7 | 37.3 |
| AI rank | #2707 | #1414 |
| Latest close | $73.92 | $163.28 |
| 1M return | +13.20% | +52.94% |
| 6M return | +2.61% | +132.79% |
| 1Y return | +19.84% | +14.16% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | AFRM | SEZL |
|---|---|---|
| 1Y ago | $11.98K (+19.8%) started 2025-06-18 | $11.42K (+14.2%) started 2025-06-18 |
| 5Y ago | $10.84K (+8.4%) started 2021-06-18 | $120.83K (+1108.3%) started 2023-09-13 |
| 10Y ago | $7.67K (-23.3%) started 2021-01-13 | $120.83K (+1108.3%) started 2023-09-13 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | AFRM | SEZL |
|---|---|---|
| Market cap | $24.76B | $5.49B |
| Trailing P/E | 67.20 | 26.59 |
| Forward P/E | 19.57 | 25.14 |
| Price/Sales | 6.23 | 11.42 |
| EV/Revenue | 8.14 | 10.13 |
| Analyst target | $83.34 | $134.33 |
| Target upside | +12.74% | -17.73% |
Growth, profitability & risk
| Metric | AFRM | SEZL |
|---|---|---|
| Revenue growth | 32.60% | 29.20% |
| Earnings growth | 3529.30% | 47.00% |
| EPS growth | +3529.30% | +47.00% |
| FCF margin | +7.58% | +15.09% |
| Operating margin | N/A | N/A |
| Profit margin | 9.63% | 30.83% |
| ROIC proxy | 11.49% | 91.95% |
| Return on equity | 11.49% | 91.95% |
| Dividend yield | 0.00% | 0.00% |
| Beta | 3.70 | 6.97 |
| Debt/equity | 240.28 | 73.79 |
| Current ratio | 13.54 | 3.65 |
| Quick ratio | 9.57 | 3.57 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
AFRM max drawdown53.86%
SEZL max drawdown72.02%
AFRM max wkly drop17.52%
SEZL max wkly drop44.38%
5Y risk snapshot
AFRM max drawdown94.71%
SEZL max drawdown89.95%
AFRM max wkly drop53.94%
SEZL max wkly drop82.25%
10Y risk snapshot
AFRM max drawdown94.71%
SEZL max drawdown89.95%
AFRM max wkly drop53.94%
SEZL max wkly drop82.25%
Performance metrics by period
| Period | Metric | AFRM | SEZL |
|---|---|---|---|
| 1Y | Growth | +19.84% | +14.16% |
| CAGR | +19.86% | +14.17% | |
| Sharpe ratio | 0.53 | 0.55 | |
| Max drawdown | 53.86% | 72.02% | |
| Max daily drop | 11.99% | 34.32% | |
| Max wkly drop | 17.52% | 44.38% | |
| 5Y | Growth | +8.42% | +1108.29% |
| CAGR | +1.63% | +146.45% | |
| Sharpe ratio | 0.44 | 1.39 | |
| Max drawdown | 94.71% | 89.95% | |
| Max daily drop | 22.63% | 80.50% | |
| Max wkly drop | 53.94% | 82.25% | |
| 10Y | Growth | -23.29% | +1108.29% |
| CAGR | -4.77% | +146.45% | |
| Sharpe ratio | 0.37 | 1.39 | |
| Max drawdown | 94.71% | 89.95% | |
| Max daily drop | 22.63% | 80.50% | |
| Max wkly drop | 53.94% | 82.25% |
Business comparison
| Category | AFRM | SEZL |
|---|---|---|
| Company | Affirm Holdings, Inc. | Sezzle Inc. |
| Sector | Information Technology - Fintech / BNPL | Information Technology - Fintech / BNPL |
| Industry | N/A | N/A |
| Core business | Affirm provides buy-now-pay-later installment loan products for consumers at the point of sale through partnerships with thousands of merchants including Shopify, Amazon, and Walmart, offering interest-bearing and 0% installment options. | Sezzle provides buy-now-pay-later services primarily through its 4-pay (pay in 4 installments, 0% interest) product for e-commerce shoppers, along with Sezzle Premium subscription services and credit-building products. |
| Investor focus | Investors track Affirm's gross merchandise volume (GMV), revenue less transaction costs (RLTC), credit quality of its loan portfolio, and progress toward GAAP profitability. | Investors track Sezzle's active consumer count, total merchandise volume (TMV), revenue growth, and profitability trajectory as one of the smaller public BNPL companies. |
AFRM strengths
- →Leading U.S. BNPL platform with major merchant partnerships including Amazon, Shopify, and Walmart
- →Longer loan durations (3-36 months) and interest-bearing products differentiate from simple 4-pay BNPL competitors
- →Deep merchant integration creates a sticky distribution network for installment financing
SEZL strengths
- →Achieved profitability at a smaller scale than larger BNPL competitors, demonstrating disciplined unit economics
- →Credit-builder product adds a consumer financial services dimension beyond pure BNPL
- →Focused on a specific BNPL niche with merchants and consumers who don't meet traditional credit card requirements
Risks to watch — AFRM
- →Credit quality and loss rates are cyclically sensitive to consumer financial health
- →Faces competition from Apple Pay Later (discontinued) and other BNPL entrants, but primarily from Klarna and PayPal
- →Path to sustained GAAP profitability has been a persistent investor focus area
Risks to watch — SEZL
- →Much smaller scale than Affirm, PayPal, and Klarna, limiting merchant integration breadth and competitive resources
- →4-pay BNPL is a highly commoditized product with many competitors offering similar terms
- →Growth requires continued merchant and consumer acquisition in a competitive BNPL market
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