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Side-by-side financial comparison of Sezzle Inc. (SEZL) and ZIPRECRUITER, INC. (ZIP). Click either name above to swap in a different company.
ZIPRECRUITER, INC. is the larger business by last-quarter revenue ($111.7M vs $78.2M, roughly 1.4× Sezzle Inc.). Sezzle Inc. runs the higher net margin — 54.6% vs -0.7%, a 55.3% gap on every dollar of revenue. On growth, Sezzle Inc. posted the faster year-over-year revenue change (61.6% vs 0.6%). Sezzle Inc. produced more free cash flow last quarter ($70.6M vs $7.6M). Over the past eight quarters, Sezzle Inc.'s revenue compounded faster (76.0% CAGR vs -4.4%).
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.
ZipRecruiter, Inc. is an American employment marketplace for job seekers and employers.
SEZL vs ZIP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $78.2M | $111.7M |
| Net Profit | $42.7M | $-835.0K |
| Gross Margin | — | 89.1% |
| Operating Margin | 70.6% | 3.6% |
| Net Margin | 54.6% | -0.7% |
| Revenue YoY | 61.6% | 0.6% |
| Net Profit YoY | 68.3% | 92.3% |
| EPS (diluted) | $1.19 | $-0.03 |
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 | $111.7M | ||
| Q3 25 | $57.5M | $115.0M | ||
| Q2 25 | $52.0M | $112.2M | ||
| Q1 25 | $48.2M | $110.1M | ||
| Q4 24 | $48.4M | $111.0M | ||
| Q3 24 | $35.6M | $117.1M | ||
| Q2 24 | $30.2M | $123.7M | ||
| Q1 24 | $25.2M | $122.2M |
| Q4 25 | $42.7M | $-835.0K | ||
| Q3 25 | $26.7M | $-9.8M | ||
| Q2 25 | $27.6M | $-9.5M | ||
| Q1 25 | $36.2M | $-12.8M | ||
| Q4 24 | $25.4M | $-10.8M | ||
| Q3 24 | $15.4M | $-2.6M | ||
| Q2 24 | $29.7M | $7.0M | ||
| Q1 24 | $8.0M | $-6.5M |
| Q4 25 | — | 89.1% | ||
| Q3 25 | — | 89.1% | ||
| Q2 25 | — | 89.3% | ||
| Q1 25 | — | 89.4% | ||
| Q4 24 | — | 89.6% | ||
| Q3 24 | — | 89.4% | ||
| Q2 24 | — | 89.5% | ||
| Q1 24 | — | 89.1% |
| Q4 25 | 70.6% | 3.6% | ||
| Q3 25 | 61.9% | -4.4% | ||
| Q2 25 | 69.4% | -5.9% | ||
| Q1 25 | — | -10.6% | ||
| Q4 24 | 63.8% | -3.6% | ||
| Q3 24 | 58.6% | -2.8% | ||
| Q2 24 | 55.3% | 7.6% | ||
| Q1 24 | 54.8% | -0.7% |
| Q4 25 | 54.6% | -0.7% | ||
| Q3 25 | 46.4% | -8.5% | ||
| Q2 25 | 53.1% | -8.5% | ||
| Q1 25 | 75.1% | -11.7% | ||
| Q4 24 | 52.4% | -9.7% | ||
| Q3 24 | 43.4% | -2.2% | ||
| Q2 24 | 98.4% | 5.7% | ||
| Q1 24 | 31.7% | -5.3% |
| Q4 25 | $1.19 | $-0.03 | ||
| Q3 25 | $0.75 | $-0.11 | ||
| Q2 25 | $0.78 | $-0.10 | ||
| Q1 25 | $1.00 | $-0.13 | ||
| Q4 24 | $0.71 | $-0.10 | ||
| Q3 24 | $0.44 | $-0.03 | ||
| Q2 24 | $0.82 | $0.07 | ||
| Q1 24 | $0.22 | $-0.07 |
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 | $188.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $169.8M | $-77.2M |
| Total Assets | $400.2M | $569.7M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $64.1M | $188.0M | ||
| Q3 25 | $104.1M | $211.8M | ||
| Q2 25 | $88.9M | $203.5M | ||
| Q1 25 | $88.9M | $221.1M | ||
| Q4 24 | $73.2M | $218.4M | ||
| Q3 24 | $80.1M | $225.6M | ||
| Q2 24 | $58.0M | $271.7M | ||
| Q1 24 | $77.8M | $282.5M |
| Q4 25 | $169.8M | $-77.2M | ||
| Q3 25 | $155.3M | $-76.1M | ||
| Q2 25 | $130.4M | $-65.9M | ||
| Q1 25 | $125.8M | $-11.3M | ||
| Q4 24 | $87.8M | $13.4M | ||
| Q3 24 | $61.1M | $13.6M | ||
| Q2 24 | $50.3M | $24.4M | ||
| Q1 24 | $29.6M | $12.7M |
| Q4 25 | $400.2M | $569.7M | ||
| Q3 25 | $367.0M | $573.6M | ||
| Q2 25 | $350.6M | $592.4M | ||
| Q1 25 | $298.1M | $629.4M | ||
| Q4 24 | $298.4M | $664.1M | ||
| Q3 24 | $252.9M | $652.0M | ||
| Q2 24 | $212.1M | $665.3M | ||
| Q1 24 | $195.7M | $662.4M |
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 | $7.7M |
| Free Cash FlowOCF − Capex | $70.6M | $7.6M |
| FCF MarginFCF / Revenue | 90.2% | 6.8% |
| Capex IntensityCapex / Revenue | 0.1% | 0.1% |
| Cash ConversionOCF / Net Profit | 1.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $209.3M | $9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $70.6M | $7.7M | ||
| Q3 25 | $63.7M | $2.6M | ||
| Q2 25 | $23.1M | $10.5M | ||
| Q1 25 | $52.5M | $-9.9M | ||
| Q4 24 | $57.4M | $12.5M | ||
| Q3 24 | $35.1M | $9.3M | ||
| Q2 24 | $22.2M | $21.9M | ||
| Q1 24 | $16.0M | $2.0M |
| Q4 25 | $70.6M | $7.6M | ||
| Q3 25 | $63.6M | $2.2M | ||
| Q2 25 | $22.7M | $10.2M | ||
| Q1 25 | $52.5M | $-10.2M | ||
| Q4 24 | $57.4M | $12.0M | ||
| Q3 24 | $35.1M | $9.2M | ||
| Q2 24 | $22.2M | $21.7M | ||
| Q1 24 | $16.0M | $1.9M |
| Q4 25 | 90.2% | 6.8% | ||
| Q3 25 | 110.6% | 1.9% | ||
| Q2 25 | 43.6% | 9.1% | ||
| Q1 25 | 108.9% | -9.3% | ||
| Q4 24 | 118.5% | 10.8% | ||
| Q3 24 | 98.6% | 7.8% | ||
| Q2 24 | 73.4% | 17.6% | ||
| Q1 24 | 63.3% | 1.6% |
| Q4 25 | 0.1% | 0.1% | ||
| Q3 25 | 0.3% | 0.3% | ||
| Q2 25 | 0.8% | 0.3% | ||
| Q1 25 | 0.1% | 0.3% | ||
| Q4 24 | 0.1% | 0.4% | ||
| Q3 24 | 0.0% | 0.2% | ||
| Q2 24 | 0.1% | 0.1% | ||
| Q1 24 | 0.0% | 0.1% |
| 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× | 3.12× | ||
| 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% |
ZIP
| License | $84.3M | 75% |
| Services | $27.4M | 25% |
