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PAY vs. SEZL
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Correlation

The correlation between PAY and SEZL is 0.45, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.


Performance

PAY vs. SEZL - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Paymentus Holdings, Inc. (PAY) and Sezzle Inc. Common Stock (SEZL). The values are adjusted to include any dividend payments, if applicable.

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Key characteristics

Sharpe Ratio

PAY:

1.65

SEZL:

5.67

Sortino Ratio

PAY:

2.66

SEZL:

4.69

Omega Ratio

PAY:

1.32

SEZL:

1.61

Calmar Ratio

PAY:

1.95

SEZL:

13.45

Martin Ratio

PAY:

6.68

SEZL:

28.87

Ulcer Index

PAY:

15.04%

SEZL:

29.31%

Daily Std Dev

PAY:

61.61%

SEZL:

131.85%

Max Drawdown

PAY:

-80.78%

SEZL:

-89.95%

Current Drawdown

PAY:

-4.04%

SEZL:

-1.99%

Fundamentals

Market Cap

PAY:

$4.69B

SEZL:

$3.71B

EPS

PAY:

$0.39

SEZL:

$2.97

PE Ratio

PAY:

94.51

SEZL:

37.50

PS Ratio

PAY:

4.87

SEZL:

11.27

PB Ratio

PAY:

9.37

SEZL:

29.48

Total Revenue (TTM)

PAY:

$962.11M

SEZL:

$329.06M

Gross Profit (TTM)

PAY:

$251.47M

SEZL:

$273.00M

EBITDA (TTM)

PAY:

$82.24M

SEZL:

$119.23M

Returns By Period

In the year-to-date period, PAY achieves a 17.02% return, which is significantly lower than SEZL's 156.02% return.


PAY

YTD

17.02%

1M

17.02%

6M

0.79%

1Y

100.58%

3Y*

34.91%

5Y*

N/A

10Y*

N/A

SEZL

YTD

156.02%

1M

110.96%

6M

57.83%

1Y

731.09%

3Y*

N/A

5Y*

N/A

10Y*

N/A

*Annualized

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Paymentus Holdings, Inc.

Sezzle Inc. Common Stock

Go deeper with the Portfolio Analysis tool — backtest performance, assess risk, compare to benchmarks, and more

Risk-Adjusted Performance

PAY vs. SEZL — Risk-Adjusted Performance Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

PAY
The Risk-Adjusted Performance Rank of PAY is 9191
Overall Rank
The Sharpe Ratio Rank of PAY is 9292
Sharpe Ratio Rank
The Sortino Ratio Rank of PAY is 9292
Sortino Ratio Rank
The Omega Ratio Rank of PAY is 8989
Omega Ratio Rank
The Calmar Ratio Rank of PAY is 9292
Calmar Ratio Rank
The Martin Ratio Rank of PAY is 9090
Martin Ratio Rank

SEZL
The Risk-Adjusted Performance Rank of SEZL is 9999
Overall Rank
The Sharpe Ratio Rank of SEZL is 100100
Sharpe Ratio Rank
The Sortino Ratio Rank of SEZL is 9898
Sortino Ratio Rank
The Omega Ratio Rank of SEZL is 9898
Omega Ratio Rank
The Calmar Ratio Rank of SEZL is 100100
Calmar Ratio Rank
The Martin Ratio Rank of SEZL is 9999
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

PAY vs. SEZL - Risk-Adjusted Performance Comparison

This table presents a comparison of risk-adjusted performance metrics for Paymentus Holdings, Inc. (PAY) and Sezzle Inc. Common Stock (SEZL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.


The current PAY Sharpe Ratio is 1.65, which is lower than the SEZL Sharpe Ratio of 5.67. The chart below compares the historical Sharpe Ratios of PAY and SEZL, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.


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Go to the full Sharpe Ratio tool to analyze any stock or portfolio. Customize time frames, set your own risk-free rate, and more

Dividends

PAY vs. SEZL - Dividend Comparison

Neither PAY nor SEZL has paid dividends to shareholders.


Tickers have no history of dividend payments

Drawdowns

PAY vs. SEZL - Drawdown Comparison

The maximum PAY drawdown since its inception was -80.78%, smaller than the maximum SEZL drawdown of -89.95%. Use the drawdown chart below to compare losses from any high point for PAY and SEZL.


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Go to the full Drawdowns tool for more analysis options, including inflation-adjusted drawdowns, and more

Volatility

PAY vs. SEZL - Volatility Comparison

The current volatility for Paymentus Holdings, Inc. (PAY) is 9.61%, while Sezzle Inc. Common Stock (SEZL) has a volatility of 38.02%. This indicates that PAY experiences smaller price fluctuations and is considered to be less risky than SEZL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.


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Financials

PAY vs. SEZL - Financials Comparison

This section allows you to compare key financial metrics between Paymentus Holdings, Inc. and Sezzle Inc. Common Stock. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.


Quarterly
Annual

Total Revenue: Total amount of money received from sales and other business activities


0.0050.00M100.00M150.00M200.00M250.00M20212022202320242025
275.24M
104.91M
(PAY) Total Revenue
(SEZL) Total Revenue
Values in USD except per share items

PAY vs. SEZL - Profitability Comparison

The chart below illustrates the profitability comparison between Paymentus Holdings, Inc. and Sezzle Inc. Common Stock over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

Gross Margin
Operating Margin
Net Margin
Quarterly
Annual

0.0%20.0%40.0%60.0%80.0%20212022202320242025
24.0%
85.4%
(PAY) Gross Margin
(SEZL) Gross Margin
PAY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, Paymentus Holdings, Inc. reported a gross profit of 66.02M and revenue of 275.24M. Therefore, the gross margin over that period was 24.0%.

SEZL - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, Sezzle Inc. Common Stock reported a gross profit of 89.60M and revenue of 104.91M. Therefore, the gross margin over that period was 85.4%.

PAY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Paymentus Holdings, Inc. reported an operating income of 15.69M and revenue of 275.24M, resulting in an operating margin of 5.7%.

SEZL - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Sezzle Inc. Common Stock reported an operating income of 49.90M and revenue of 104.91M, resulting in an operating margin of 47.6%.

PAY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Paymentus Holdings, Inc. reported a net income of 13.81M and revenue of 275.24M, resulting in a net margin of 5.0%.

SEZL - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Sezzle Inc. Common Stock reported a net income of 36.16M and revenue of 104.91M, resulting in a net margin of 34.5%.