Enova International, Inc. (ENVA) vs Klarna Group plc (KLAR)
Enova International, Inc. and Klarna Group plc are both Credit Services companies. Klarna Group plc is the larger, with a market value of $4.9B against $4.3B — 1.1× the size. Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; Enova International, Inc. trades at 12.1×. Klarna Group plc grew revenue faster over the last twelve months: 34.2% against 17.7%. Enova International, Inc. has the higher net margin (10.3% vs −3.52%) and the higher return on invested capital (8.56% vs 0.00%). Across the 17 metrics below, Enova International, Inc. leads on 12 and Klarna Group plc on 5.
Valuation
Profitability
| Metric | ENVA | KLAR | Credit Services median |
|---|---|---|---|
| Gross margin | 59.77% | 58.18% | 77.13% |
| Operating margin | 24.02% | (1.21%) | 0.34% |
| Net margin | 10.31% | (3.52%) | 9.25% |
| Free cash flow margin | 56.67% | (94.31%) | 13.03% |
| Return on equity | 26.08% | (5.67%) | 8.49% |
| Return on assets | 5.49% | (0.77%) | 2.29% |
| Return on invested capital | 8.56% | 0.00% | 4.09% |
Growth
Health
Dividend
Size
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