stockrowAffirm Holdings, Inc. (AFRM) vs Klarna Group plc (KLAR)
- Affirm Holdings, Inc. AFRM 68.73 −1.34%
- Klarna Group plc KLAR 13.53 0.00%
Affirm Holdings, Inc. and Klarna Group plc are both Credit Services companies. Affirm Holdings, Inc. is the larger, with a market value of $23.6B against $7.7B — 3.1× the size. Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; Affirm Holdings, Inc. trades at 11.8×. Klarna Group plc grew revenue faster over the last twelve months: 34.2% against 32.7%. Affirm Holdings, Inc. has the higher net margin (43.9% vs −3.52%) and the higher return on invested capital (15.0% vs 0.00%). Across the 15 metrics below, Affirm Holdings, Inc. leads on 11 and Klarna Group plc on 4.
Valuation
Profitability
| Metric | AFRM | KLAR | Credit Services median |
|---|---|---|---|
| Gross margin | 0.00% | 58.18% | 76.61% |
| Operating margin | 11.77% | (1.21%) | 0.34% |
| Net margin | 43.86% | (3.52%) | 8.35% |
| Free cash flow margin | 17.80% | (94.31%) | 8.73% |
| Return on equity | 44.49% | (5.67%) | 9.05% |
| Return on assets | 14.40% | (0.77%) | 1.94% |
| Return on invested capital | 15.03% | 0.00% | 4.56% |
Growth
Health
Dividend
Size
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