CPI Card Group vs Sezzle
CPI Card Group is the larger business, with $544m of revenue in fiscal 2025 against $450m for Sezzle (1.2 times as much). Sezzle grew faster (66.1% against 13.1%). Sezzle kept more of each dollar of sales as profit: a net margin of 29.6% against 2.8%.
| Latest fiscal year | CPI Card GroupPMTS, 2025 | SezzleSEZL, 2025 |
|---|---|---|
| Revenue | $544m | $450m |
| Revenue growth | 13.1% | 66.1% |
| Net income | $14.9m | $133m |
| Operating margin | — | 39.3% |
| Net margin | 2.8% | 29.6% |
| Return on equity | — | 103.3% |
| Free cash flow | $41.3m | $209m |
| Cash | $21.7m | $64.1m |
| Total debt | $287m | $140m |
| Debt to equity | — | 82.4% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | — | $64.7m |
| Employees | — | 201 |
| Market value | $286m | $4.19bn |
| Price vs our value range | Below our value range | Below our value range |
| Moat score | 54 (Moderate) | 52 (Moderate) |
| Insider trades, 12 months | 9 buys, 3 sales | 3 buys, 94 sales |