SEZL vs. AFRM

Last updated Apr 1, 2026

Compare and contrast key facts about Sezzle Inc. Common Stock (SEZL) and Affirm Holdings, Inc. (AFRM).

Performance

SEZL vs. AFRM - Performance Comparison

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

SEZL vs. AFRM - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023
SEZL Sezzle Inc. Common Stock	-0.29%	48.89%	1,146.59%	-74.69%
AFRM Affirm Holdings, Inc.	-38.44%	22.22%	23.93%	245.57%

Fundamentals

EPS SEZL : $5.52 AFRM : $0.81
PE Ratio SEZL : 11.46 AFRM : 56.27
PS Ratio SEZL : 3.39 AFRM : 5.44
Total Revenue (TTM) SEZL : $450.28M AFRM : $2.92B
Gross Profit (TTM) SEZL : $246.69M AFRM : $1.74B
EBITDA (TTM) SEZL : $173.95M AFRM : $789.93M

Returns By Period

In the year-to-date period, SEZL achieves a -0.29% return, which is significantly higher than AFRM's -38.44% return.

SEZL

• 1D: 4.22%
• 1M: -13.24%
• YTD: -0.29%
• 6M: -20.42%
• 1Y: 81.40%
• 3Y*: —
• 5Y*: —
• 10Y*: —

AFRM

• 1D: 6.48%
• 1M: -2.47%
• YTD: -38.44%
• 6M: -37.30%
• 1Y: 1.39%
• 3Y*: 59.60%
• 5Y*: -8.50%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

SEZL vs. AFRM — Risk / Return Rank

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

SEZL

SEZL Risk / Return Rank: 69
SEZL Sharpe Ratio Rank: 70
SEZL Sortino Ratio Rank: 74
SEZL Omega Ratio Rank: 75
SEZL Calmar Ratio Rank: 66
SEZL Martin Ratio Rank: 59

AFRM

AFRM Risk / Return Rank: 43
AFRM Sharpe Ratio Rank: 42
AFRM Sortino Ratio Rank: 44
AFRM Omega Ratio Rank: 43
AFRM Calmar Ratio Rank: 42
AFRM Martin Ratio Rank: 42

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SEZL vs. AFRM - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Sezzle Inc. Common Stock (SEZL) and Affirm Holdings, Inc. (AFRM). 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.

	SEZL	AFRM	Difference
Sharpe ratio Return per unit of total volatility	0.81	0.02	+0.79
Sortino ratio Return per unit of downside risk	1.77	0.54	+1.23
Omega ratio Gain probability vs. loss probability	1.24	1.07	+0.18
Calmar ratio Return relative to maximum drawdown	1.11	-0.02	+1.13
Martin ratio Return relative to average drawdown	1.64	-0.04	+1.67
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

SEZL vs. AFRM - Sharpe Ratio Comparison

The current SEZL Sharpe Ratio is 0.81, which is higher than the AFRM Sharpe Ratio of 0.02. The chart below compares the historical Sharpe Ratios of SEZL and AFRM, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	SEZL	AFRM	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.81	0.02	+0.79
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	-0.09	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.58	-0.14	+0.72

Correlation

The correlation between SEZL and AFRM is 0.36, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

SEZL vs. AFRM - Dividend Comparison

Neither SEZL nor AFRM has paid dividends to shareholders.

Tickers have no history of dividend payments

Drawdowns

SEZL vs. AFRM - Drawdown Comparison

The maximum SEZL drawdown since its inception was -89.95%, smaller than the maximum AFRM drawdown of -94.71%. Use the drawdown chart below to compare losses from any high point for SEZL and AFRM.

Drawdown Indicators

	SEZL	AFRM	Difference
Max Drawdown Largest peak-to-trough decline	-89.95%	-94.71%	+4.76%
Max Drawdown (1Y) Largest decline over 1 year	-72.02%	-53.86%	-18.16%
Max Drawdown (5Y) Largest decline over 5 years	—	-94.71%	—
Current Drawdown Current decline from peak	-65.26%	-72.81%	+7.55%
Average Drawdown Average peak-to-trough decline	-39.72%	-68.94%	+29.22%
Ulcer Index Depth and duration of drawdowns from previous peaks	48.80%	23.21%	+25.59%

Volatility

SEZL vs. AFRM - Volatility Comparison

Sezzle Inc. Common Stock (SEZL) has a higher volatility of 18.72% compared to Affirm Holdings, Inc. (AFRM) at 17.61%. This indicates that SEZL's price experiences larger fluctuations and is considered to be riskier than AFRM based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SEZL	AFRM	Difference
Volatility (1M) Calculated over the trailing 1-month period	18.72%	17.61%	+1.11%
Volatility (6M) Calculated over the trailing 6-month period	57.76%	44.04%	+13.72%
Volatility (1Y) Calculated over the trailing 1-year period	101.18%	70.18%	+31.00%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	138.75%	96.66%	+42.09%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	138.75%	96.58%	+42.17%

Financials

SEZL vs. AFRM - Profitability Comparison

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

SEZL - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Sezzle Inc. Common Stock reported a gross profit of 0.00 and revenue of 129.87M. Therefore, the gross margin over that period was 0.0%.

AFRM - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Affirm Holdings, Inc. reported a gross profit of 0.00 and revenue of 328.38M. Therefore, the gross margin over that period was 0.0%.

SEZL - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Sezzle Inc. Common Stock reported an operating income of 55.25M and revenue of 129.87M, resulting in an operating margin of 42.5%.

AFRM - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Affirm Holdings, Inc. reported an operating income of 117.63M and revenue of 328.38M, resulting in an operating margin of 35.8%.

SEZL - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Sezzle Inc. Common Stock reported a net income of 42.69M and revenue of 129.87M, resulting in a net margin of 32.9%.

AFRM - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Affirm Holdings, Inc. reported a net income of 129.59M and revenue of 328.38M, resulting in a net margin of 39.5%.