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Side-by-side financial comparison of REGIS CORP (RGS) 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 $57.1M, roughly 1.4× REGIS CORP). Sezzle Inc. runs the higher net margin — 54.6% vs 0.8%, a 53.8% gap on every dollar of revenue. On growth, Sezzle Inc. posted the faster year-over-year revenue change (61.6% vs 22.3%). Sezzle Inc. produced more free cash flow last quarter ($70.6M vs $891.0K). Over the past eight quarters, Sezzle Inc.'s revenue compounded faster (76.0% CAGR vs 7.8%).
REGIS CORPRGSEarnings & Financial Report
Regis Corporation is an American operator of hair salons. As of August 2021, it has 5,563 franchised and 276 company-owned salons. Its headquarters are in Minneapolis, Minnesota.
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.
RGS vs SEZL — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $57.1M | $78.2M |
| Net Profit | $456.0K | $42.7M |
| Gross Margin | — | — |
| Operating Margin | 10.8% | 70.6% |
| Net Margin | 0.8% | 54.6% |
| Revenue YoY | 22.3% | 61.6% |
| Net Profit YoY | -94.0% | 68.3% |
| EPS (diluted) | $0.16 | $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 | $57.1M | $78.2M | ||
| Q3 25 | $59.0M | $57.5M | ||
| Q2 25 | $60.4M | $52.0M | ||
| Q1 25 | $57.0M | $48.2M | ||
| Q4 24 | $46.7M | $48.4M | ||
| Q3 24 | $46.1M | $35.6M | ||
| Q2 24 | $49.4M | $30.2M | ||
| Q1 24 | $49.2M | $25.2M |
| Q4 25 | $456.0K | $42.7M | ||
| Q3 25 | $1.4M | $26.7M | ||
| Q2 25 | $116.5M | $27.6M | ||
| Q1 25 | $250.0K | $36.2M | ||
| Q4 24 | $7.6M | $25.4M | ||
| Q3 24 | $-853.0K | $15.4M | ||
| Q2 24 | $91.2M | $29.7M | ||
| Q1 24 | $-2.3M | $8.0M |
| Q4 25 | 10.8% | 70.6% | ||
| Q3 25 | 10.0% | 61.9% | ||
| Q2 25 | 12.1% | 69.4% | ||
| Q1 25 | 8.8% | — | ||
| Q4 24 | 11.8% | 63.8% | ||
| Q3 24 | 4.6% | 58.6% | ||
| Q2 24 | — | 55.3% | ||
| Q1 24 | 8.3% | 54.8% |
| Q4 25 | 0.8% | 54.6% | ||
| Q3 25 | 2.3% | 46.4% | ||
| Q2 25 | 192.9% | 53.1% | ||
| Q1 25 | 0.4% | 75.1% | ||
| Q4 24 | 16.4% | 52.4% | ||
| Q3 24 | -1.9% | 43.4% | ||
| Q2 24 | 184.7% | 98.4% | ||
| Q1 24 | -4.7% | 31.7% |
| Q4 25 | $0.16 | $1.19 | ||
| Q3 25 | $0.49 | $0.75 | ||
| Q2 25 | $43.67 | $0.78 | ||
| Q1 25 | $0.08 | $1.00 | ||
| Q4 24 | $2.71 | $0.71 | ||
| Q3 24 | $-0.36 | $0.44 | ||
| Q2 24 | $38.40 | $0.82 | ||
| Q1 24 | $-1.00 | $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 | $18.4M | $64.1M |
| Total DebtLower is stronger | $113.3M | — |
| Stockholders' EquityBook value | $188.7M | $169.8M |
| Total Assets | $588.3M | $400.2M |
| Debt / EquityLower = less leverage | 0.60× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.4M | $64.1M | ||
| Q3 25 | $16.6M | $104.1M | ||
| Q2 25 | $17.0M | $88.9M | ||
| Q1 25 | $13.3M | $88.9M | ||
| Q4 24 | $10.2M | $73.2M | ||
| Q3 24 | $6.3M | $80.1M | ||
| Q2 24 | $10.1M | $58.0M | ||
| Q1 24 | $5.9M | $77.8M |
| Q4 25 | $113.3M | — | ||
| Q3 25 | $111.3M | — | ||
| Q2 25 | $110.8M | — | ||
| Q1 25 | $112.0M | — | ||
| Q4 24 | $111.5M | — | ||
| Q3 24 | $95.2M | — | ||
| Q2 24 | $99.5M | — | ||
| Q1 24 | $179.7M | — |
| Q4 25 | $188.7M | $169.8M | ||
| Q3 25 | $187.6M | $155.3M | ||
| Q2 25 | $185.6M | $130.4M | ||
| Q1 25 | $68.6M | $125.8M | ||
| Q4 24 | $66.7M | $87.8M | ||
| Q3 24 | $56.4M | $61.1M | ||
| Q2 24 | $56.8M | $50.3M | ||
| Q1 24 | $-35.8M | $29.6M |
| Q4 25 | $588.3M | $400.2M | ||
| Q3 25 | $592.1M | $367.0M | ||
| Q2 25 | $599.0M | $350.6M | ||
| Q1 25 | $511.2M | $298.1M | ||
| Q4 24 | $530.1M | $298.4M | ||
| Q3 24 | $508.9M | $252.9M | ||
| Q2 24 | $530.5M | $212.1M | ||
| Q1 24 | $543.7M | $195.7M |
| Q4 25 | 0.60× | — | ||
| Q3 25 | 0.59× | — | ||
| Q2 25 | 0.60× | — | ||
| Q1 25 | 1.63× | — | ||
| Q4 24 | 1.67× | — | ||
| Q3 24 | 1.69× | — | ||
| Q2 24 | 1.75× | — | ||
| Q1 24 | — | — |
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 | $1.7M | $70.6M |
| Free Cash FlowOCF − Capex | $891.0K | $70.6M |
| FCF MarginFCF / Revenue | 1.6% | 90.2% |
| Capex IntensityCapex / Revenue | 1.4% | 0.1% |
| Cash ConversionOCF / Net Profit | 3.65× | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | $14.9M | $209.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $70.6M | ||
| Q3 25 | $2.3M | $63.7M | ||
| Q2 25 | $6.8M | $23.1M | ||
| Q1 25 | $6.2M | $52.5M | ||
| Q4 24 | $2.1M | $57.4M | ||
| Q3 24 | $-1.3M | $35.1M | ||
| Q2 24 | $5.1M | $22.2M | ||
| Q1 24 | $-277.0K | $16.0M |
| Q4 25 | $891.0K | $70.6M | ||
| Q3 25 | $1.9M | $63.6M | ||
| Q2 25 | $6.2M | $22.7M | ||
| Q1 25 | $5.9M | $52.5M | ||
| Q4 24 | $1.7M | $57.4M | ||
| Q3 24 | $-1.4M | $35.1M | ||
| Q2 24 | $5.1M | $22.2M | ||
| Q1 24 | $-326.0K | $16.0M |
| Q4 25 | 1.6% | 90.2% | ||
| Q3 25 | 3.2% | 110.6% | ||
| Q2 25 | 10.3% | 43.6% | ||
| Q1 25 | 10.3% | 108.9% | ||
| Q4 24 | 3.6% | 118.5% | ||
| Q3 24 | -3.0% | 98.6% | ||
| Q2 24 | 10.3% | 73.4% | ||
| Q1 24 | -0.7% | 63.3% |
| Q4 25 | 1.4% | 0.1% | ||
| Q3 25 | 0.7% | 0.3% | ||
| Q2 25 | 0.9% | 0.8% | ||
| Q1 25 | 0.6% | 0.1% | ||
| Q4 24 | 0.9% | 0.1% | ||
| Q3 24 | 0.0% | 0.0% | ||
| Q2 24 | 0.0% | 0.1% | ||
| Q1 24 | 0.1% | 0.0% |
| Q4 25 | 3.65× | 1.65× | ||
| Q3 25 | 1.68× | 2.39× | ||
| Q2 25 | 0.06× | 0.84× | ||
| Q1 25 | 24.80× | 1.45× | ||
| Q4 24 | 0.28× | 2.26× | ||
| Q3 24 | — | 2.27× | ||
| Q2 24 | 0.06× | 0.75× | ||
| Q1 24 | — | 2.00× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
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% |
