SEZL vs OPFI vs AFRM vs ATLC vs CACC

For growth investors, Sezzle Inc.

(SEZL) is the stronger pick with 66. 1% revenue growth year-over-year, versus 8. 6% for Credit Acceptance Corporation (CACC). OppFi Inc. (OPFI) offers the better valuation at 10. 0x trailing P/E (5. 5x forward), making it the more compelling value choice. Analysts rate Sezzle Inc. (SEZL) a "Buy" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, OppFi Inc.

(OPFI) is the cheapest at 10. 0x versus Affirm Holdings, Inc. at 449. 1x. On forward P/E, OppFi Inc. is actually cheaper at 5. 5x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Atlanticus Holdings Corporation wins at 1. 01x versus Credit Acceptance Corporation's 1. 15x — a reasonable growth-adjusted valuation.

Over the past 5 years, Atlanticus Holdings Corporation (ATLC) delivered a total return of +128.

9%, compared to +1. 3% for OppFi Inc. (OPFI). Over 10 years, the gap is even starker: ATLC returned +25. 1% versus AFRM's -30. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Credit Acceptance Corporation (CACC) is the lower-risk stock at 1.

61β versus Affirm Holdings, Inc. 's 2. 72β — meaning AFRM is approximately 70% more volatile than CACC relative to the S&P 500. On balance sheet safety, Sezzle Inc. (SEZL) carries a lower debt/equity ratio of 83% versus 11% for Atlanticus Holdings Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Sezzle Inc.

(SEZL) is pulling ahead at 66. 1% versus 8. 6% for Credit Acceptance Corporation (CACC). On earnings-per-share growth, the picture is similar: OppFi Inc. grew EPS 175. 0% year-over-year, compared to 24. 9% for Atlanticus Holdings Corporation. Over a 3-year CAGR, AFRM leads at 33. 7% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Sezzle Inc.

(SEZL) is the more profitable company, earning 29. 6% net margin versus 1. 6% for Affirm Holdings, Inc. — meaning it keeps 29. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CACC leads at 47. 6% versus -2. 7% for AFRM. At the gross margin level — before operating expenses — CACC leads at 98. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Atlanticus Holdings Corporation (ATLC) is the more undervalued stock at a PEG of 1. 01x versus Credit Acceptance Corporation's 1. 15x. A PEG below 1. 5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, OppFi Inc. (OPFI) trades at 5. 5x forward P/E versus 62. 5x for Affirm Holdings, Inc. — 57. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for AFRM: 19. 9% to $80. 77.

In this comparison, OPFI (24.

8% yield), ATLC (0. 8% yield) pay a dividend. SEZL, AFRM, CACC do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, OppFi Inc.

(OPFI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (24. 8% yield). Affirm Holdings, Inc. (AFRM) carries a higher beta of 2. 72 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (OPFI: +4. 2%, AFRM: -30. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (SEZL (Financial Services) and OPFI (Technology) and AFRM (Technology) and ATLC (Financial Services) and CACC (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: SEZL is a small-cap high-growth stock; OPFI is a small-cap deep-value stock; AFRM is a mid-cap high-growth stock; ATLC is a small-cap high-growth stock; CACC is a small-cap deep-value stock. OPFI, ATLC pay a dividend while SEZL, AFRM, CACC do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.