Credit Acceptance Corporation (CACC) vs Klarna Group plc (KLAR)
Credit Acceptance Corporation and Klarna Group plc are both Credit Services companies. Credit Acceptance Corporation is the larger, with a market value of $5.7B against $4.9B — 1.2× the size. Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; Credit Acceptance Corporation trades at 12.0×. Klarna Group plc grew revenue faster over the last twelve months: 34.2% against 2.58%. Credit Acceptance Corporation has the higher net margin (21.5% vs −3.52%) and the higher return on invested capital (10.0% vs 0.00%). Across the 17 metrics below, Credit Acceptance Corporation leads on 12 and Klarna Group plc on 5.
Valuation
Profitability
| Metric | CACC | KLAR | Credit Services median |
|---|---|---|---|
| Gross margin | 100.00% | 58.18% | 77.13% |
| Operating margin | 50.01% | (1.21%) | 0.34% |
| Net margin | 21.54% | (3.52%) | 9.25% |
| Free cash flow margin | 52.41% | (94.31%) | 13.03% |
| Return on equity | 31.93% | (5.67%) | 8.49% |
| Return on assets | 5.79% | (0.77%) | 2.29% |
| Return on invested capital | 10.02% | 0.00% | 4.09% |
Growth
Health
Dividend
Size
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