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Side-by-side financial comparison of Sezzle Inc. (SEZL) and Neuronetics, Inc. (STIM). Click either name above to swap in a different company.
Sezzle Inc. is the larger business by last-quarter revenue ($78.2M vs $41.8M, roughly 1.9× Neuronetics, Inc.). Sezzle Inc. runs the higher net margin — 54.6% vs -17.2%, a 71.8% gap on every dollar of revenue. On growth, Neuronetics, Inc. posted the faster year-over-year revenue change (85.7% vs 61.6%). Sezzle Inc. produced more free cash flow last quarter ($70.6M vs $692.0K). Over the past eight quarters, Sezzle Inc.'s revenue compounded faster (76.0% CAGR vs 54.9%).
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.
Neuronetics is a Malvern, PA based, publicly traded company incorporated in Delaware in April 2003, that develops non-invasive treatments for psychiatric disorders that have shown resistance or lack of improvement using traditional medicine. The treatments are based upon neuromodulation technology.
SEZL vs STIM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $78.2M | $41.8M |
| Net Profit | $42.7M | $-7.2M |
| Gross Margin | — | 52.0% |
| Operating Margin | 70.6% | -12.1% |
| Net Margin | 54.6% | -17.2% |
| Revenue YoY | 61.6% | 85.7% |
| Net Profit YoY | 68.3% | 43.2% |
| EPS (diluted) | $1.19 | $-0.10 |
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 | $78.2M | $41.8M | ||
| Q3 25 | $57.5M | $37.3M | ||
| Q2 25 | $52.0M | $38.1M | ||
| Q1 25 | $48.2M | $32.0M | ||
| Q4 24 | $48.4M | $22.5M | ||
| Q3 24 | $35.6M | $18.5M | ||
| Q2 24 | $30.2M | $16.4M | ||
| Q1 24 | $25.2M | $17.4M |
| Q4 25 | $42.7M | $-7.2M | ||
| Q3 25 | $26.7M | $-9.0M | ||
| Q2 25 | $27.6M | $-10.1M | ||
| Q1 25 | $36.2M | $-12.7M | ||
| Q4 24 | $25.4M | $-12.7M | ||
| Q3 24 | $15.4M | $-13.3M | ||
| Q2 24 | $29.7M | $-9.8M | ||
| Q1 24 | $8.0M | $-7.9M |
| Q4 25 | — | 52.0% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 46.6% | ||
| Q1 25 | — | 49.2% | ||
| Q4 24 | — | 66.2% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 74.0% | ||
| Q1 24 | — | 75.1% |
| Q4 25 | 70.6% | -12.1% | ||
| Q3 25 | 61.9% | -19.6% | ||
| Q2 25 | 69.4% | -21.1% | ||
| Q1 25 | — | -34.4% | ||
| Q4 24 | 63.8% | -51.0% | ||
| Q3 24 | 58.6% | -41.7% | ||
| Q2 24 | 55.3% | -51.7% | ||
| Q1 24 | 54.8% | -39.4% |
| Q4 25 | 54.6% | -17.2% | ||
| Q3 25 | 46.4% | -24.3% | ||
| Q2 25 | 53.1% | -26.6% | ||
| Q1 25 | 75.1% | -39.6% | ||
| Q4 24 | 52.4% | -56.4% | ||
| Q3 24 | 43.4% | -72.0% | ||
| Q2 24 | 98.4% | -59.8% | ||
| Q1 24 | 31.7% | -45.2% |
| Q4 25 | $1.19 | $-0.10 | ||
| Q3 25 | $0.75 | $-0.13 | ||
| Q2 25 | $0.78 | $-0.15 | ||
| Q1 25 | $1.00 | $-0.21 | ||
| Q4 24 | $0.71 | $-0.34 | ||
| Q3 24 | $0.44 | $-0.44 | ||
| Q2 24 | $0.82 | $-0.33 | ||
| Q1 24 | $0.22 | $-0.27 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $64.1M | $28.1M |
| Total DebtLower is stronger | — | $65.8M |
| Stockholders' EquityBook value | $169.8M | $22.4M |
| Total Assets | $400.2M | $141.6M |
| Debt / EquityLower = less leverage | — | 2.94× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $64.1M | $28.1M | ||
| Q3 25 | $104.1M | $28.0M | ||
| Q2 25 | $88.9M | $11.0M | ||
| Q1 25 | $88.9M | $20.2M | ||
| Q4 24 | $73.2M | $18.5M | ||
| Q3 24 | $80.1M | $20.9M | ||
| Q2 24 | $58.0M | $42.6M | ||
| Q1 24 | $77.8M | $47.7M |
| Q4 25 | — | $65.8M | ||
| Q3 25 | — | $65.7M | ||
| Q2 25 | — | $55.5M | ||
| Q1 25 | — | $55.3M | ||
| Q4 24 | — | $55.2M | ||
| Q3 24 | — | $46.0M | ||
| Q2 24 | — | $59.8M | ||
| Q1 24 | — | $59.4M |
| Q4 25 | $169.8M | $22.4M | ||
| Q3 25 | $155.3M | $27.4M | ||
| Q2 25 | $130.4M | $27.1M | ||
| Q1 25 | $125.8M | $35.5M | ||
| Q4 24 | $87.8M | $27.7M | ||
| Q3 24 | $61.1M | $9.4M | ||
| Q2 24 | $50.3M | $19.4M | ||
| Q1 24 | $29.6M | $27.7M |
| Q4 25 | $400.2M | $141.6M | ||
| Q3 25 | $367.0M | $145.5M | ||
| Q2 25 | $350.6M | $134.7M | ||
| Q1 25 | $298.1M | $142.0M | ||
| Q4 24 | $298.4M | $140.9M | ||
| Q3 24 | $252.9M | — | ||
| Q2 24 | $212.1M | $96.8M | ||
| Q1 24 | $195.7M | $103.8M |
| Q4 25 | — | 2.94× | ||
| Q3 25 | — | 2.40× | ||
| Q2 25 | — | 2.05× | ||
| Q1 25 | — | 1.56× | ||
| Q4 24 | — | 1.99× | ||
| Q3 24 | — | 4.90× | ||
| Q2 24 | — | 3.08× | ||
| Q1 24 | — | 2.15× |
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 | $908.0K |
| Free Cash FlowOCF − Capex | $70.6M | $692.0K |
| FCF MarginFCF / Revenue | 90.2% | 1.7% |
| Capex IntensityCapex / Revenue | 0.1% | 0.5% |
| Cash ConversionOCF / Net Profit | 1.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $209.3M | $-21.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $70.6M | $908.0K | ||
| Q3 25 | $63.7M | $-785.0K | ||
| Q2 25 | $23.1M | $-3.5M | ||
| Q1 25 | $52.5M | $-17.0M | ||
| Q4 24 | $57.4M | $-8.6M | ||
| Q3 24 | $35.1M | $-5.4M | ||
| Q2 24 | $22.2M | $-5.0M | ||
| Q1 24 | $16.0M | $-12.0M |
| Q4 25 | $70.6M | $692.0K | ||
| Q3 25 | $63.6M | $-899.0K | ||
| Q2 25 | $22.7M | $-3.8M | ||
| Q1 25 | $52.5M | $-17.2M | ||
| Q4 24 | $57.4M | $-8.7M | ||
| Q3 24 | $35.1M | $-5.8M | ||
| Q2 24 | $22.2M | $-5.6M | ||
| Q1 24 | $16.0M | $-12.4M |
| Q4 25 | 90.2% | 1.7% | ||
| Q3 25 | 110.6% | -2.4% | ||
| Q2 25 | 43.6% | -9.9% | ||
| Q1 25 | 108.9% | -53.8% | ||
| Q4 24 | 118.5% | -38.6% | ||
| Q3 24 | 98.6% | -31.3% | ||
| Q2 24 | 73.4% | -34.0% | ||
| Q1 24 | 63.3% | -71.1% |
| Q4 25 | 0.1% | 0.5% | ||
| Q3 25 | 0.3% | 0.3% | ||
| Q2 25 | 0.8% | 0.7% | ||
| Q1 25 | 0.1% | 0.7% | ||
| Q4 24 | 0.1% | 0.4% | ||
| Q3 24 | 0.0% | 2.1% | ||
| Q2 24 | 0.1% | 3.7% | ||
| Q1 24 | 0.0% | 2.2% |
| Q4 25 | 1.65× | — | ||
| Q3 25 | 2.39× | — | ||
| Q2 25 | 0.84× | — | ||
| Q1 25 | 1.45× | — | ||
| Q4 24 | 2.26× | — | ||
| Q3 24 | 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
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% |
STIM
Segment breakdown not available.
