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Klarna Group plc (KLAR) vs PayPal Holdings, Inc. (PYPL)

Klarna Group plc and PayPal Holdings, Inc. are both Credit Services companies. PayPal Holdings, Inc. is the larger, with a market value of $49.0B against $7.7B — 6.4× the size. Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; PayPal Holdings, Inc. trades at 11.2×. Klarna Group plc grew revenue faster over the last twelve months: 34.2% against 4.36%. PayPal Holdings, Inc. has the higher net margin (13.8% vs −3.52%) and the higher return on invested capital (16.1% vs 0.00%). Across the 16 metrics below, PayPal Holdings, Inc. leads on 11 and Klarna Group plc on 5.

Valuation

Metric KLAR PYPL Credit Services median
P/E n/m 11.16 8.96
P/S 1.27 1.46 1.00
P/B 1.92 2.57 1.23
Price to free cash flow n/m 7.92 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (2.73%) 8.96% 7.17%
Free cash flow yield (74.34%) 12.62% 11.75%

Profitability

Metric KLAR PYPL Credit Services median
Gross margin 58.18% 40.55% 76.61%
Operating margin (1.21%) 16.99% 0.34%
Net margin (3.52%) 13.78% 8.35%
Free cash flow margin (94.31%) 18.43% 8.73%
Return on equity (5.67%) 23.83% 9.05%
Return on assets (0.77%) 5.86% 1.94%
Return on invested capital 0.00% 16.06% 4.56%

Growth

Metric KLAR PYPL Credit Services median
Revenue growth (TTM) 34.19% 4.36% 4.49%
EPS growth (last fiscal year) (8,000.00%) 35.59% 21.94%
Revenue growth, 5-year CAGR — 9.11% 9.22%
Net income growth, 5-year CAGR — 4.49% 0.00%

Health

Metric KLAR PYPL Credit Services median
Debt to equity 0.00 0.69 0.69
Current ratio 1.08 1.26 1.26
Net debt to EBITDA 51.16 (0.06) 0.11

Dividend

Metric KLAR PYPL Credit Services median
Dividend yield — 0.95% 1.64%
Payout ratio — 0.11 0.21

Size

Metric KLAR PYPL Credit Services median
Market cap 7.65b 48.98b 759.73m

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