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Side-by-side financial comparison of PUMA BIOTECHNOLOGY, INC. (PBYI) and Sezzle Inc. (SEZL). Click either name above to swap in a different company.
Sezzle Inc. is the larger business by last-quarter revenue ($78.2M vs $75.5M, roughly 1.0× PUMA BIOTECHNOLOGY, INC.). On growth, Sezzle Inc. posted the faster year-over-year revenue change (61.6% vs 27.7%). Sezzle Inc. produced more free cash flow last quarter ($70.6M vs $14.4M). Over the past eight quarters, Sezzle Inc.'s revenue compounded faster (76.0% CAGR vs 31.3%).
Puma Biotechnology is a publicly traded biopharmaceutical company headquartered in Los Angeles, CA.
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.
PBYI vs SEZL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $75.5M | $78.2M |
| Net Profit | — | $42.7M |
| Gross Margin | 69.3% | — |
| Operating Margin | 22.7% | 70.6% |
| Net Margin | — | 54.6% |
| Revenue YoY | 27.7% | 61.6% |
| Net Profit YoY | — | 68.3% |
| EPS (diluted) | $0.26 | $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.
| Q4 25 | $75.5M | $78.2M | ||
| Q3 25 | $54.5M | $57.5M | ||
| Q2 25 | $52.4M | $52.0M | ||
| Q1 25 | $46.0M | $48.2M | ||
| Q4 24 | $59.1M | $48.4M | ||
| Q3 24 | $80.5M | $35.6M | ||
| Q2 24 | $47.1M | $30.2M | ||
| Q1 24 | $43.8M | $25.2M |
| Q4 25 | — | $42.7M | ||
| Q3 25 | $8.8M | $26.7M | ||
| Q2 25 | $5.9M | $27.6M | ||
| Q1 25 | $3.0M | $36.2M | ||
| Q4 24 | — | $25.4M | ||
| Q3 24 | $20.3M | $15.4M | ||
| Q2 24 | $-4.5M | $29.7M | ||
| Q1 24 | $-4.8M | $8.0M |
| Q4 25 | 69.3% | — | ||
| Q3 25 | 77.7% | — | ||
| Q2 25 | 76.5% | — | ||
| Q1 25 | 77.1% | — | ||
| Q4 24 | 76.4% | — | ||
| Q3 24 | 63.9% | — | ||
| Q2 24 | 77.4% | — | ||
| Q1 24 | 75.5% | — |
| Q4 25 | 22.7% | 70.6% | ||
| Q3 25 | 17.6% | 61.9% | ||
| Q2 25 | 12.7% | 69.4% | ||
| Q1 25 | 8.7% | — | ||
| Q4 24 | 22.6% | 63.8% | ||
| Q3 24 | 27.4% | 58.6% | ||
| Q2 24 | -4.6% | 55.3% | ||
| Q1 24 | -5.3% | 54.8% |
| Q4 25 | — | 54.6% | ||
| Q3 25 | 16.2% | 46.4% | ||
| Q2 25 | 11.2% | 53.1% | ||
| Q1 25 | 6.5% | 75.1% | ||
| Q4 24 | — | 52.4% | ||
| Q3 24 | 25.2% | 43.4% | ||
| Q2 24 | -9.6% | 98.4% | ||
| Q1 24 | -11.0% | 31.7% |
| Q4 25 | $0.26 | $1.19 | ||
| Q3 25 | $0.17 | $0.75 | ||
| Q2 25 | $0.12 | $0.78 | ||
| Q1 25 | $0.06 | $1.00 | ||
| Q4 24 | $0.40 | $0.71 | ||
| Q3 24 | $0.41 | $0.44 | ||
| Q2 24 | $-0.09 | $0.82 | ||
| Q1 24 | $-0.10 | $0.22 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $97.5M | $64.1M |
| Total DebtLower is stronger | $22.7M | — |
| Stockholders' EquityBook value | $130.3M | $169.8M |
| Total Assets | $216.3M | $400.2M |
| Debt / EquityLower = less leverage | 0.17× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $97.5M | $64.1M | ||
| Q3 25 | $94.4M | $104.1M | ||
| Q2 25 | $96.0M | $88.9M | ||
| Q1 25 | $93.2M | $88.9M | ||
| Q4 24 | $101.0M | $73.2M | ||
| Q3 24 | $96.7M | $80.1M | ||
| Q2 24 | $96.8M | $58.0M | ||
| Q1 24 | $107.2M | $77.8M |
| Q4 25 | $22.7M | — | ||
| Q3 25 | $34.0M | — | ||
| Q2 25 | $45.3M | — | ||
| Q1 25 | $56.7M | — | ||
| Q4 24 | $68.0M | — | ||
| Q3 24 | $79.3M | — | ||
| Q2 24 | $90.7M | — | ||
| Q1 24 | $102.0M | — |
| Q4 25 | $130.3M | $169.8M | ||
| Q3 25 | $115.3M | $155.3M | ||
| Q2 25 | $104.7M | $130.4M | ||
| Q1 25 | $97.1M | $125.8M | ||
| Q4 24 | $92.1M | $87.8M | ||
| Q3 24 | $71.1M | $61.1M | ||
| Q2 24 | $48.5M | $50.3M | ||
| Q1 24 | $51.0M | $29.6M |
| Q4 25 | $216.3M | $400.2M | ||
| Q3 25 | $202.9M | $367.0M | ||
| Q2 25 | $194.9M | $350.6M | ||
| Q1 25 | $196.2M | $298.1M | ||
| Q4 24 | $213.3M | $298.4M | ||
| Q3 24 | $220.7M | $252.9M | ||
| Q2 24 | $205.0M | $212.1M | ||
| Q1 24 | $214.1M | $195.7M |
| Q4 25 | 0.17× | — | ||
| Q3 25 | 0.30× | — | ||
| Q2 25 | 0.43× | — | ||
| Q1 25 | 0.58× | — | ||
| Q4 24 | 0.74× | — | ||
| Q3 24 | 1.12× | — | ||
| Q2 24 | 1.87× | — | ||
| Q1 24 | 2.00× | — |
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 | $14.4M | $70.6M |
| Free Cash FlowOCF − Capex | $14.4M | $70.6M |
| FCF MarginFCF / Revenue | 19.1% | 90.2% |
| Capex IntensityCapex / Revenue | 0.0% | 0.1% |
| Cash ConversionOCF / Net Profit | — | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | $41.7M | $209.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.4M | $70.6M | ||
| Q3 25 | $9.7M | $63.7M | ||
| Q2 25 | $14.1M | $23.1M | ||
| Q1 25 | $3.6M | $52.5M | ||
| Q4 24 | $15.6M | $57.4M | ||
| Q3 24 | $11.0M | $35.1M | ||
| Q2 24 | $1.0M | $22.2M | ||
| Q1 24 | $11.2M | $16.0M |
| Q4 25 | $14.4M | $70.6M | ||
| Q3 25 | $9.7M | $63.6M | ||
| Q2 25 | $14.1M | $22.7M | ||
| Q1 25 | $3.6M | $52.5M | ||
| Q4 24 | $15.6M | $57.4M | ||
| Q3 24 | $11.0M | $35.1M | ||
| Q2 24 | $1.0M | $22.2M | ||
| Q1 24 | — | $16.0M |
| Q4 25 | 19.1% | 90.2% | ||
| Q3 25 | 17.7% | 110.6% | ||
| Q2 25 | 26.8% | 43.6% | ||
| Q1 25 | 7.7% | 108.9% | ||
| Q4 24 | 26.4% | 118.5% | ||
| Q3 24 | 13.7% | 98.6% | ||
| Q2 24 | 2.1% | 73.4% | ||
| Q1 24 | — | 63.3% |
| Q4 25 | 0.0% | 0.1% | ||
| Q3 25 | 0.0% | 0.3% | ||
| Q2 25 | 0.0% | 0.8% | ||
| Q1 25 | 0.1% | 0.1% | ||
| Q4 24 | 0.0% | 0.1% | ||
| Q3 24 | 0.0% | 0.0% | ||
| Q2 24 | 0.0% | 0.1% | ||
| Q1 24 | 0.0% | 0.0% |
| Q4 25 | — | 1.65× | ||
| Q3 25 | 1.10× | 2.39× | ||
| Q2 25 | 2.41× | 0.84× | ||
| Q1 25 | 1.21× | 1.45× | ||
| Q4 24 | — | 2.26× | ||
| Q3 24 | 0.54× | 2.27× | ||
| Q2 24 | — | 0.75× | ||
| Q1 24 | — | 2.00× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PBYI
Segment breakdown not available.
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% |
