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Screener Weekly Summary Pricing

FirstCash Holdings, Inc. (FCFS) vs Klarna Group plc (KLAR)

FirstCash Holdings, Inc. and Klarna Group plc are both Credit Services companies. FirstCash Holdings, Inc. is the larger, with a market value of $9.4B against $4.9B — 1.9× the size. Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; FirstCash Holdings, Inc. trades at 24.8×. Klarna Group plc grew revenue faster over the last twelve months: 34.2% against 21.6%. FirstCash Holdings, Inc. has the higher net margin (9.42% vs −3.52%) and the higher return on invested capital (8.97% vs 0.00%). Across the 17 metrics below, FirstCash Holdings, Inc. leads on 11 and Klarna Group plc on 6.

Valuation

Metric FCFS KLAR Credit Services median
P/E 24.82 n/m 9.64
P/S 2.31 1.20 0.87
P/B 4.10 1.82 1.16
Price to free cash flow 17.91 n/m 2.99
EV/EBITDA 11.72 n/m 9.58
EV/Sales 2.86 (0.10) 2.32
Earnings yield 4.03% (2.89%) 6.72%
Free cash flow yield 5.58% (78.64%) 12.33%

Profitability

Metric FCFS KLAR Credit Services median
Gross margin 50.47% 58.18% 77.13%
Operating margin 15.66% (1.21%) 0.34%
Net margin 9.42% (3.52%) 9.25%
Free cash flow margin 12.91% (94.31%) 13.03%
Return on equity 17.40% (5.67%) 8.49%
Return on assets 7.76% (0.77%) 2.29%
Return on invested capital 8.97% 0.00% 4.09%

Growth

Metric FCFS KLAR Credit Services median
Revenue growth (TTM) 21.61% 34.19% 4.62%
EPS growth (last fiscal year) 29.49% (8,000.00%) —
Revenue growth, 5-year CAGR 17.55% — 9.13%
Net income growth, 5-year CAGR 25.39% — 0.00%

Health

Metric FCFS KLAR Credit Services median
Debt to equity 1.01 0.00 0.68
Current ratio 4.89 1.08 1.55
Net debt to EBITDA 2.28 51.16 0.13

Dividend

Metric FCFS KLAR Credit Services median
Dividend yield 1.21% — 3.34%
Payout ratio 0.26 — 0.00

Size

Metric FCFS KLAR Credit Services median
Market cap 9.39b 4.86b 872.19m

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