COMP <GO>
SEZL vs HSBC // ALTMAN Z-SCORE & DEBT/EQUITY
Sezzle Inc. (NASDAQ) VS. HSBC Holdings plc. (NYSE) • 15-METRIC TALLY: SEZL 8
— HSBC 5
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: SEZL
LAST: $134.85 (+0.74%) • MKT CAP: $4.52B
balance-sheet
14.61
LAST: $85.42 (-1.36%) • MKT CAP: $297.33B
balance-sheet
3.74
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SEZL VS. HSBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SEZL | HSBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 38.60% | 9.90% | +28.70 | SEZL | /roic <GO> |
| EV/EBITDA & P/E Valuation | 25.7x | 21.0x | +4.70 | HSBC | /valuation <GO> |
| Free Cash Flow Yield | 4.63% | 2.21% | +2.42 | SEZL | /fcf-yield <GO> |
| Operating Margin | 74.90% | 13.90% | +61.00 | SEZL | /operating-margins <GO> |
| Net Profit Margin | 0.10% | 10.90% | -10.80 | HSBC | /net-margins <GO> |
| Revenue Growth (YoY) | 69.20% | 23.10% | +46.10 | SEZL | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 14.61 | 3.74 | +10.87 | SEZL | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 8/9 | +1.00 | SEZL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.40% | 6.60% | +0.80 | HSBC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.5 | 25.0 | +34.47 | SEZL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 0.92 | +0.24 | SEZL | /macro-sensitivity <GO> |
| Forward P/E Multiple | 140.0x | 27.6x | +112.40 | HSBC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.52B | $297.33B | -$292.80B | HSBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SEZL REV | HSBC REV | SEZL GROSS % | HSBC GROSS % | SEZL FCF | HSBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $235.9M | — | 44.0% | — | $209.3M | — |
| FY 2024 | $139.4M | — | 44.0% | — | $130.6M | — |
| FY 2023 | $60.6M | — | 44.0% | — | -$28.4M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SEZL // BETA 1.16
HSBC // BETA 0.92