Royal Caribbean Cruises Ltd. (RCL) vs Sezzle Inc. (SEZL)
A side-by-side comparison of Royal Caribbean Cruises Ltd. and Sezzle Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of September 10, 2026. Differences are shown without an overall score or investment verdict.
Different business models: RCL is classified in Consumer Cyclical; SEZL is classified in Financial Services. Margin, capital intensity, and valuation differences should be interpreted in that sector context.
RCL
Royal Caribbean Cruises Ltd.
$260.14Consumer CyclicalDelayed quote: Sep 11, 2026, 4:00 PM EDT
SEZL
Sezzle Inc.
$118.87Financial ServicesDelayed quote: Sep 11, 2026, 4:00 PM EDT
Total return — RCL vs SEZL
growth of $100 · dividends reinvested · last 6yRCL +255.7% (+23.5%/yr)SEZL +2828.5% (+75.6%/yr)SEZL compounded faster over this window
Log scale — wide-divergence pair
RCL SEZL
RCL vs SEZL: by the numbers
- •RCL is the larger company ($69.77B vs $4.00B market cap).
- •RCL trades at the lower trailing earnings multiple (16.08 vs 25.95 P/E), one valuation lens rather than an overall verdict.
- •SEZL converts more revenue to profit (30.35% vs 23.56% net margin).
- •RCL grew revenue faster over the past five years (188.60% vs 42.22% CAGR).
- •RCL pays a dividend (1.92% yield), while SEZL has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | RCL | SEZL |
|---|---|---|
| P/E ratio | 16.08 | 25.95 |
| Forward P/E | 14.65 | 22.66 |
| P/S ratio | 3.73 | 7.52 |
| P/B ratio | 6.82 | 17.16 |
| EV / EBITDA | 13.56 | N/A |
Profitability
| Metric | RCL | SEZL |
|---|---|---|
| Gross margin | 46.64% | 90.80% |
| Operating margin | 27.32% | 40.39% |
| Net margin | 23.56% | 30.35% |
| ROE | 43.01% | 69.29% |
| ROIC | 14.59% | N/A |
Dividends
| Metric | RCL | SEZL |
|---|---|---|
| Dividend yield | 1.92% | N/A |
| Payout ratio | 30.90% | N/A |
Growth (annualized)
| Metric | RCL | SEZL |
|---|---|---|
| Revenue CAGR (5Y) | 188.60% | 42.22% |
| EPS CAGR (5Y) | 9.81% | N/A |
| FCF CAGR (5Y) | 11.57% | N/A |
| Total return CAGR (5Y) | 26.76% | 55.62% |
Frequently asked
- Which has the lower trailing P/E, RCL or SEZL?
- RCL has the lower trailing P/E: RCL trades at 16.08 and SEZL at 25.95. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, RCL or SEZL?
- Over the past five years, RCL grew revenue faster — RCL at a 188.60% CAGR versus SEZL at 42.22%.
- Does RCL or SEZL pay a bigger dividend?
- RCL pays a dividend (1.92% yield), while SEZL has no payments in the available dividend history.
- Is RCL or SEZL more profitable?
- SEZL runs the higher net margin — RCL at 23.56% versus SEZL at 30.35%.
- How have RCL and SEZL total returns compared?
- Over the past 5 years, RCL delivered 26.76% and SEZL delivered 55.62% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Royal Caribbean Cruises P/E ratioSezzle P/E ratioRoyal Caribbean Cruises dividend yieldRoyal Caribbean Cruises ROESezzle ROERoyal Caribbean Cruises operating marginSezzle operating marginRoyal Caribbean Cruises revenue growthSezzle revenue growthRoyal Caribbean Cruises free cash flow
Royal Caribbean Cruises & Sezzle appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified September 10, 2026.