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Klarna Group plc (KLAR) vs SoFi Technologies, Inc. (SOFI)

Klarna Group plc and SoFi Technologies, Inc. are both Credit Services companies. SoFi Technologies, Inc. is the larger, with a market value of $20.8B against $7.7B — 2.7× the size. Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; SoFi Technologies, Inc. trades at 27.8×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 37.6% against 34.2%. SoFi Technologies, Inc. has the higher net margin (12.1% vs −3.52%) and the higher return on invested capital (4.90% vs 0.00%). Across the 16 metrics below, SoFi Technologies, Inc. leads on 12 and Klarna Group plc on 4.

Valuation

Metric KLAR SOFI Credit Services median
P/E n/m 27.83 8.96
P/S 1.27 3.41 1.00
P/B 1.92 1.85 1.23
Price to free cash flow n/m n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (2.73%) 3.59% 7.17%
Free cash flow yield (74.34%) (50.36%) 11.75%

Profitability

Metric KLAR SOFI Credit Services median
Gross margin 58.18% 77.36% 76.61%
Operating margin (1.21%) 0.00% 0.34%
Net margin (3.52%) 12.06% 8.35%
Free cash flow margin (94.31%) (166.99%) 8.73%
Return on equity (5.67%) 7.35% 9.05%
Return on assets (0.77%) 1.30% 1.94%
Return on invested capital 0.00% 4.90% 4.56%

Growth

Metric KLAR SOFI Credit Services median
Revenue growth (TTM) 34.19% 37.62% 4.49%
EPS growth (last fiscal year) (8,000.00%) 0.00% 21.94%
Revenue growth, 5-year CAGR — 44.73% 9.22%
Net income growth, 5-year CAGR — 0.00% 0.00%

Health

Metric KLAR SOFI Credit Services median
Debt to equity 0.00 0.34 0.69
Current ratio 1.08 0.00 1.26
Net debt to EBITDA 51.16 0.00 0.11

Dividend

Metric KLAR SOFI Credit Services median
Dividend yield — — 1.64%
Payout ratio — — 0.21

Size

Metric KLAR SOFI Credit Services median
Market cap 7.65b 20.80b 759.73m

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