Klarna Group plc (KLAR) vs SoFi Technologies, Inc. (SOFI)
- Klarna Group plc KLAR 13.02 −3.63%
- SoFi Technologies, Inc. SOFI 14.55 −3.58%
Klarna Group plc and SoFi Technologies, Inc. are both Credit Services companies. SoFi Technologies, Inc. is the larger, with a market value of $19.5B against $5.1B — 3.8× the size. Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; SoFi Technologies, Inc. trades at 28.5×. Klarna Group plc grew revenue faster over the last twelve months: 34.2% against 34.1%. SoFi Technologies, Inc. has the higher net margin (11.4% vs −3.52%) and the higher return on invested capital (4.26% vs 0.00%). Across the 16 metrics below, SoFi Technologies, Inc. leads on 11 and Klarna Group plc on 5.
Valuation
Profitability
| Metric | KLAR | SOFI | Credit Services median |
|---|---|---|---|
| Gross margin | 58.18% | 77.13% | 77.13% |
| Operating margin | (1.21%) | 0.00% | 0.34% |
| Net margin | (3.52%) | 11.39% | 9.25% |
| Free cash flow margin | (94.31%) | (157.63%) | 12.91% |
| Return on equity | (5.67%) | 7.09% | 8.49% |
| Return on assets | (0.77%) | 1.25% | 2.16% |
| Return on invested capital | 0.00% | 4.26% | 4.09% |
Growth
Health
Dividend
Size
Any metric, up to five companies and an Excel export Powerpack