International Money Express vs Sezzle
International Money Express is the larger business, with $608m of revenue in fiscal 2025 against $450m for Sezzle (1.3 times as much). Sezzle grew faster (66.1% against -7.7%). Sezzle kept more of each dollar of sales as profit: a net margin of 29.6% against 5.4%. Sezzle carries less debt relative to equity (82.4% against 121.0%).
| Latest fiscal year | International Money ExpressIMXI, 2025 | SezzleSEZL, 2025 |
|---|---|---|
| Revenue | $608m | $450m |
| Revenue growth | -7.7% | 66.1% |
| Net income | $32.7m | $133m |
| Operating margin | 9.2% | 39.3% |
| Net margin | 5.4% | 29.6% |
| Return on equity | 22.1% | 103.3% |
| Free cash flow | $15.8m | $209m |
| Cash | $169m | $64.1m |
| Total debt | $195m | $140m |
| Debt to equity | 121.0% | 82.4% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $16.3m | $64.7m |
| Employees | — | 201 |
| Market value | $255m | $4.19bn |
| Price vs our value range | Below our value range | Below our value range |
| Moat score | 68 (Moderate) | 52 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 3 buys, 94 sales |