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Side-by-side financial comparison of FIRSTSUN CAPITAL BANCORP (FSUN) and Sezzle Inc. (SEZL). Click either name above to swap in a different company.
FIRSTSUN CAPITAL BANCORP is the larger business by last-quarter revenue ($110.0M vs $78.2M, roughly 1.4× Sezzle Inc.). Sezzle Inc. runs the higher net margin — 54.6% vs 19.6%, a 35.0% gap on every dollar of revenue. Over the past eight quarters, Sezzle Inc.'s revenue compounded faster (76.0% CAGR vs 6.9%).
FirstSun Capital Bancorp is a U.S.-headquartered financial holding company that offers a comprehensive range of banking and financial services, including commercial and consumer lending, deposit products, wealth management, and treasury solutions. It mainly serves individual customers, small and medium-sized enterprises, and corporate clients across U.S. regional markets.
Sezzle is a publicly traded financial technology company headquartered in Minneapolis, U.S, with operations in the United States and Canada. The company provides an alternative payment platform offering interest-free installment plans at selected online stores. As of June 2021, the Sezzle platform had over 10 million user sign-ups and over 48,000 participating merchants.
FSUN vs SEZL — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $110.0M | $78.2M |
| Net Profit | $21.6M | $42.7M |
| Gross Margin | — | — |
| Operating Margin | — | 70.6% |
| Net Margin | 19.6% | 54.6% |
| Revenue YoY | — | 61.6% |
| Net Profit YoY | -8.4% | 68.3% |
| EPS (diluted) | $0.76 | $1.19 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $110.0M | — | ||
| Q4 25 | $110.2M | $78.2M | ||
| Q3 25 | $107.3M | $57.5M | ||
| Q2 25 | $105.6M | $52.0M | ||
| Q1 25 | $96.2M | $48.2M | ||
| Q4 24 | $98.7M | $48.4M | ||
| Q3 24 | $98.2M | $35.6M | ||
| Q2 24 | $96.2M | $30.2M |
| Q1 26 | $21.6M | — | ||
| Q4 25 | $24.8M | $42.7M | ||
| Q3 25 | $23.2M | $26.7M | ||
| Q2 25 | $26.4M | $27.6M | ||
| Q1 25 | $23.6M | $36.2M | ||
| Q4 24 | $16.4M | $25.4M | ||
| Q3 24 | $22.4M | $15.4M | ||
| Q2 24 | $24.6M | $29.7M |
| Q1 26 | — | — | ||
| Q4 25 | 29.0% | 70.6% | ||
| Q3 25 | 26.4% | 61.9% | ||
| Q2 25 | 31.2% | 69.4% | ||
| Q1 25 | 30.9% | — | ||
| Q4 24 | 20.4% | 63.8% | ||
| Q3 24 | 29.1% | 58.6% | ||
| Q2 24 | 32.3% | 55.3% |
| Q1 26 | 19.6% | — | ||
| Q4 25 | 22.5% | 54.6% | ||
| Q3 25 | 21.6% | 46.4% | ||
| Q2 25 | 25.0% | 53.1% | ||
| Q1 25 | 24.5% | 75.1% | ||
| Q4 24 | 16.6% | 52.4% | ||
| Q3 24 | 22.8% | 43.4% | ||
| Q2 24 | 25.5% | 98.4% |
| Q1 26 | $0.76 | — | ||
| Q4 25 | $0.89 | $1.19 | ||
| Q3 25 | $0.82 | $0.75 | ||
| Q2 25 | $0.93 | $0.78 | ||
| Q1 25 | $0.83 | $1.00 | ||
| Q4 24 | $0.57 | $0.71 | ||
| Q3 24 | $0.79 | $0.44 | ||
| Q2 24 | $0.88 | $0.82 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $413.7M | $64.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.2B | $169.8M |
| Total Assets | $8.6B | $400.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $413.7M | — | ||
| Q4 25 | $652.6M | $64.1M | ||
| Q3 25 | $659.9M | $104.1M | ||
| Q2 25 | $785.1M | $88.9M | ||
| Q1 25 | $621.4M | $88.9M | ||
| Q4 24 | $615.9M | $73.2M | ||
| Q3 24 | $573.7M | $80.1M | ||
| Q2 24 | $535.8M | $58.0M |
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.2B | $169.8M | ||
| Q3 25 | $1.1B | $155.3M | ||
| Q2 25 | $1.1B | $130.4M | ||
| Q1 25 | $1.1B | $125.8M | ||
| Q4 24 | $1.0B | $87.8M | ||
| Q3 24 | $1.0B | $61.1M | ||
| Q2 24 | $996.6M | $50.3M |
| Q1 26 | $8.6B | — | ||
| Q4 25 | $8.5B | $400.2M | ||
| Q3 25 | $8.5B | $367.0M | ||
| Q2 25 | $8.4B | $350.6M | ||
| Q1 25 | $8.2B | $298.1M | ||
| Q4 24 | $8.1B | $298.4M | ||
| Q3 24 | $8.1B | $252.9M | ||
| Q2 24 | $8.0B | $212.1M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $70.6M |
| Free Cash FlowOCF − Capex | — | $70.6M |
| FCF MarginFCF / Revenue | — | 90.2% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | $209.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $111.5M | $70.6M | ||
| Q3 25 | $49.4M | $63.7M | ||
| Q2 25 | $15.0M | $23.1M | ||
| Q1 25 | $26.4M | $52.5M | ||
| Q4 24 | $101.1M | $57.4M | ||
| Q3 24 | $48.1M | $35.1M | ||
| Q2 24 | $20.9M | $22.2M |
| Q1 26 | — | — | ||
| Q4 25 | $104.0M | $70.6M | ||
| Q3 25 | $47.6M | $63.6M | ||
| Q2 25 | $13.0M | $22.7M | ||
| Q1 25 | $24.3M | $52.5M | ||
| Q4 24 | $95.7M | $57.4M | ||
| Q3 24 | $47.1M | $35.1M | ||
| Q2 24 | $19.9M | $22.2M |
| Q1 26 | — | — | ||
| Q4 25 | 94.3% | 90.2% | ||
| Q3 25 | 44.4% | 110.6% | ||
| Q2 25 | 12.3% | 43.6% | ||
| Q1 25 | 25.3% | 108.9% | ||
| Q4 24 | 97.0% | 118.5% | ||
| Q3 24 | 47.9% | 98.6% | ||
| Q2 24 | 20.6% | 73.4% |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 0.1% | ||
| Q3 25 | 1.6% | 0.3% | ||
| Q2 25 | 1.9% | 0.8% | ||
| Q1 25 | 2.1% | 0.1% | ||
| Q4 24 | 5.5% | 0.1% | ||
| Q3 24 | 1.1% | 0.0% | ||
| Q2 24 | 1.1% | 0.1% |
| Q1 26 | — | — | ||
| Q4 25 | 4.49× | 1.65× | ||
| Q3 25 | 2.13× | 2.39× | ||
| Q2 25 | 0.57× | 0.84× | ||
| Q1 25 | 1.12× | 1.45× | ||
| Q4 24 | 6.18× | 2.26× | ||
| Q3 24 | 2.15× | 2.27× | ||
| Q2 24 | 0.85× | 0.75× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FSUN
| Net Interest Income | $82.8M | 75% |
| Noninterest Income | $27.2M | 25% |
SEZL
| Merchant And Partner Income | $28.9M | 37% |
| Transaction Income | $25.9M | 33% |
| Income From Other Services Late Payment Fees | $20.5M | 26% |
| Other | $2.9M | 4% |
