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AFRM
Affirm Holdings, Inc. · Information Technology - Fintech / BNPL
$79.23
-6.33% this month
VERSUS
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COMPARE
SEZL
Sezzle Inc. · Information Technology - Fintech / BNPL
$163.09
-11.00% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
AFRM
2
SEZL
2
Comparison scoreboard
MIXED SETUPAI Score
AFRM 25.8
SEZL ✓45.2
1Y Return
AFRM +5.94%
SEZL ✓+13.26%
Fwd P/E
AFRM ✓21.31
SEZL 23.66
Target Up.
AFRM ✓+14.35%
SEZL +5.76%
Op. Margin
AFRM N/A
SEZL 61.02%
Metrics last refreshed: 8/4/2026
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 8/4/2026
AFRM and SEZL are closely matched — they split the tracked metrics evenly. SEZL has delivered stronger 1-year price return (+13.26% vs +5.94%), though AFRM has the better forward P/E setup (21.31x vs 23.66x for SEZL). Analyst consensus implies meaningfully more upside for AFRM (+14.35%) than for SEZL (+5.76%).
Normalized 1Y performance
AFRM
SEZL
Recent returns
AFRM
SEZL
Analyst price targets & sentiment
AFRM · 30 analysts
STRONG BUYHOLDSTRONG SELL
Buy (1.7/5.0)
Price target range
analyst low$55.10
analyst high$117.00
analyst mean$90.60
current price$79.23
+14.4% upside to analyst mean
SEZL · 6 analysts
Price target range
analyst mean$163.67
current price$163.09
+5.8% 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 | 25.8 | 45.2 |
| AI rank | #2644 | #700 |
| Latest close | $79.23 | $163.09 |
| 1M return | -6.33% | -11.00% |
| 6M return | +27.81% | +157.89% |
| 1Y return | +5.94% | +13.26% |
$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 | $10.59K (+5.9%) started 2025-08-04 | $10.39K (+3.9%) started 2025-08-04 |
| 5Y ago | $11.61K (+16.1%) started 2021-08-04 | $120.69K (+1106.9%) started 2023-09-13 |
| 10Y ago | $8.22K (-17.8%) started 2021-01-13 | $120.69K (+1106.9%) started 2023-09-13 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | AFRM | SEZL |
|---|---|---|
| Market cap | $26.53B | $5.2B |
| Trailing P/E | 68.30 | 36.93 |
| Forward P/E | 21.31 | 23.66 |
| Price/Sales | 6.68 | N/A |
| EV/Revenue | 8.22 | 10.87 |
| Analyst target | $90.60 | $163.67 |
| Target upside | +14.35% | +5.76% |
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 | 61.02% |
| Profit margin | 9.63% | 30.83% |
| ROIC proxy | 11.49% | 91.95% |
| Return on equity | 11.49% | 91.95% |
| Dividend yield | 0.00% | N/A |
| Beta | 3.62 | 6.72 |
| 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 drawdown67.53%
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 | +5.94% | +3.89% |
| CAGR | +5.94% | +3.90% | |
| Sharpe ratio | 0.33 | 0.43 | |
| Max drawdown | 53.86% | 67.53% | |
| Max daily drop | 11.99% | 34.32% | |
| Max wkly drop | 17.52% | 44.38% | |
| 5Y | Growth | +16.14% | +1106.88% |
| CAGR | +3.04% | +136.85% | |
| Sharpe ratio | 0.45 | 1.36 | |
| Max drawdown | 94.71% | 89.95% | |
| Max daily drop | 22.63% | 80.50% | |
| Max wkly drop | 53.94% | 82.25% | |
| 10Y | Growth | -17.78% | +1106.88% |
| CAGR | -3.46% | +136.85% | |
| Sharpe ratio | 0.38 | 1.36 | |
| 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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