Klarna Group plc (KLAR) vs Nelnet, Inc. (NNI)
Klarna Group plc and Nelnet, Inc. are both Credit Services companies. Klarna Group plc and Nelnet, Inc. are of similar size ($4.9B and $4.5B). Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; Nelnet, Inc. trades at 14.9×. Klarna Group plc grew revenue faster over the last twelve months: 34.2% against −6.25%. Nelnet, Inc. has the higher net margin (14.4% vs −3.52%) and the higher return on invested capital (3.14% vs 0.00%). Across the 17 metrics below, Nelnet, Inc. leads on 13 and Klarna Group plc on 4.
Valuation
Profitability
| Metric | KLAR | NNI | Credit Services median |
|---|---|---|---|
| Gross margin | 58.18% | 78.28% | 77.13% |
| Operating margin | (1.21%) | 0.00% | 0.34% |
| Net margin | (3.52%) | 14.35% | 9.25% |
| Free cash flow margin | (94.31%) | 13.85% | 13.03% |
| Return on equity | (5.67%) | 8.49% | 8.49% |
| Return on assets | (0.77%) | 2.16% | 2.29% |
| Return on invested capital | 0.00% | 3.14% | 4.09% |
Growth
Health
Dividend
Size
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