stockrowEnova International, Inc. (ENVA) vs Klarna Group plc (KLAR)
- Enova International, Inc. ENVA 175.39 +0.64%
- Klarna Group plc KLAR 13.54 +0.07%
Enova International, Inc. and Klarna Group plc are both Credit Services companies. Klarna Group plc is the larger, with a market value of $7.7B against $4.3B — 1.8× the size. Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; Enova International, Inc. trades at 11.3×. Klarna Group plc grew revenue faster over the last twelve months: 34.2% against 20.1%. Enova International, Inc. has the higher net margin (10.5% vs −3.52%) and the higher return on invested capital (8.51% vs 0.00%). Across the 16 metrics below, Enova International, Inc. leads on 13 and Klarna Group plc on 3.
Valuation
Profitability
| Metric | ENVA | KLAR | Credit Services median |
|---|---|---|---|
| Gross margin | 60.59% | 58.18% | 76.61% |
| Operating margin | 24.04% | (1.21%) | 0.34% |
| Net margin | 10.47% | (3.52%) | 8.35% |
| Free cash flow margin | 54.93% | (94.31%) | 8.73% |
| Return on equity | 26.82% | (5.67%) | 9.05% |
| Return on assets | 5.60% | (0.77%) | 1.94% |
| Return on invested capital | 8.51% | 0.00% | 4.56% |
Growth
Health
Dividend
Size
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