Sezzle (NASDAQ:SEZL) and Abacus Global Management (NYSE:ABX) Financial Comparison

Abacus Global Management (NYSE:ABX) and Sezzle (NASDAQ:SEZL) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, earnings, dividends, institutional ownership, profitability, analyst recommendations and risk.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Abacus Global Management and Sezzle, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Abacus Global Management	0	3	1	1	2.60
Sezzle	0	4	4	1	2.67

Abacus Global Management presently has a consensus price target of $12.00, indicating a potential upside of 54.74%. Sezzle has a consensus price target of $145.67, indicating a potential upside of 19.85%. Given Abacus Global Management’s higher possible upside, analysts plainly believe Abacus Global Management is more favorable than Sezzle.

Volatility & Risk

Abacus Global Management has a beta of 0.08, suggesting that its stock price is 92% less volatile than the S&P 500. Comparatively, Sezzle has a beta of 6.71, suggesting that its stock price is 571% more volatile than the S&P 500.

Insider & Institutional Ownership

2.0% of Sezzle shares are owned by institutional investors. 46.4% of Abacus Global Management shares are owned by company insiders. Comparatively, 49.5% of Sezzle shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares Abacus Global Management and Sezzle”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Abacus Global Management	$235.24 million	3.22	$36.53 million	$0.28	27.70
Sezzle	$450.28 million	9.12	$133.13 million	$4.60	26.42

Sezzle has higher revenue and earnings than Abacus Global Management. Sezzle is trading at a lower price-to-earnings ratio than Abacus Global Management, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Abacus Global Management and Sezzle’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Abacus Global Management	10.55%	21.03%	10.19%
Sezzle	30.35%	83.48%	37.55%

Summary

Sezzle beats Abacus Global Management on 12 of the 14 factors compared between the two stocks.

About Abacus Global Management

Abacus Life, Inc. operates as an alternative asset manager specializing in life insurance products. It purchases life insurance policies from consumers seeking liquidity and manages policies over time via trading, holding, and/or servicing. The company was founded in 2004 and is based in Orlando, Florida.

About Sezzle

Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company provides payment solution in-store and at online retail stores; and through proprietary payments solution that connects consumers with merchants. It also offers Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; and Pay-in-Two and other alternative installment options, which allow consumer to pay half of the value of their order up-front and the second half in two weeks. In addition, the company provides Sezzle Virtual Card that allows consumers to access the Sezzle Platform in the form of close-end installment loans and shop with merchants that are not integrated with Sezzle; Sezzle Anywhere, a paid subscription service that allows consumers to use their Sezzle Virtual Card at any merchant online or in-store; Sezzle Premium, a paid subscription service that allows its consumers to access large, non-integrated premium merchants; and Sezzle Up, an opt-in feature of the Sezzle Platform. Further, it offers Long-Term Lending through collaboration with third-party lenders and Product Innovation. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.