Bread Financial Holdings, Inc. (BFH) vs Klarna Group plc (KLAR)
- Bread Financial Holdings, Inc. BFH 102.56 +1.23%
- Klarna Group plc KLAR 13.02 −3.63%
Bread Financial Holdings, Inc. and Klarna Group plc are both Credit Services companies. Klarna Group plc is the larger, with a market value of $5.1B against $3.9B — 1.3× the size. Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; Bread Financial Holdings, Inc. trades at 7.9×. Klarna Group plc grew revenue faster over the last twelve months: 34.2% against 0.72%. Bread Financial Holdings, Inc. has the higher net margin (11.9% vs −3.52%) and the higher return on invested capital (0.00% vs 0.00%). Across the 15 metrics below, Bread Financial Holdings, Inc. leads on 13 and Klarna Group plc on 2.
Valuation
Profitability
| Metric | BFH | KLAR | Credit Services median |
|---|---|---|---|
| Gross margin | 100.00% | 58.18% | 77.13% |
| Operating margin | 76.34% | (1.21%) | 0.34% |
| Net margin | 11.87% | (3.52%) | 9.25% |
| Free cash flow margin | 45.67% | (94.31%) | 12.91% |
| Return on equity | 17.27% | (5.67%) | 8.49% |
| Return on assets | 2.55% | (0.77%) | 2.16% |
| Return on invested capital | 0.00% | 0.00% | 4.09% |
Growth
Health
Dividend
Size
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