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Klarna Group plc (KLAR) vs Sezzle Inc. (SEZL)

Klarna Group plc and Sezzle Inc. are both Credit Services companies. Klarna Group plc is the larger, with a market value of $7.7B against $5.2B — 1.5× the size. Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; Sezzle Inc. trades at 28.0×. Sezzle Inc. grew revenue faster over the last twelve months: 38.9% against 34.2%. Sezzle Inc. has the higher net margin (31.4% vs −3.52%) and the higher return on invested capital (49.8% vs 0.00%). Across the 16 metrics below, Sezzle Inc. leads on 13 and Klarna Group plc on 3.

Valuation

Metric KLAR SEZL Credit Services median
P/E n/m 28.03 9.34
P/S 1.27 8.71 0.99
P/B 1.92 18.24 1.22
Price to free cash flow n/m 17.18 2.53
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (2.73%) 3.57% 7.19%
Free cash flow yield (74.29%) 5.82% 11.96%

Profitability

Metric KLAR SEZL Credit Services median
Gross margin 58.18% 83.44% 77.36%
Operating margin (1.21%) 41.87% 0.34%
Net margin (3.52%) 31.39% 8.35%
Free cash flow margin (94.31%) 50.67% 8.73%
Return on equity (5.67%) 84.34% 7.66%
Return on assets (0.77%) 43.03% 1.94%
Return on invested capital 0.00% 49.84% 4.85%

Growth

Metric KLAR SEZL Credit Services median
Revenue growth (TTM) 34.19% 38.93% 4.49%
EPS growth (last fiscal year) (8,000.00%) 69.99% 21.94%
Revenue growth, 5-year CAGR — 50.26% 9.22%
Net income growth, 5-year CAGR — 0.00% 0.00%

Health

Metric KLAR SEZL Credit Services median
Debt to equity 0.00 0.37 0.61
Current ratio 1.08 4.21 1.26
Net debt to EBITDA 51.16 0.38 0.11

Dividend

Metric KLAR SEZL Credit Services median
Dividend yield — — 1.66%
Payout ratio — — 0.22

Size

Metric KLAR SEZL Credit Services median
Market cap 7.65b 5.24b 768.78m

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