Klarna Group plc (KLAR) vs Synchrony Financial (SYF)
Klarna Group plc and Synchrony Financial are both Credit Services companies. Synchrony Financial is the larger, with a market value of $23.3B against $4.9B — 4.8× the size. Klarna Group plc has negative trailing earnings, so its P/E is not meaningful; Synchrony Financial trades at 7.4×. Klarna Group plc grew revenue faster over the last twelve months: 34.2% against 0.13%. Synchrony Financial has the higher net margin (14.8% vs −3.52%) and the higher return on invested capital (16.8% vs 0.00%). Across the 17 metrics below, Synchrony Financial leads on 14 and Klarna Group plc on 3.
Valuation
Profitability
| Metric | KLAR | SYF | Credit Services median |
|---|---|---|---|
| Gross margin | 58.18% | 83.05% | 77.13% |
| Operating margin | (1.21%) | 0.00% | 0.34% |
| Net margin | (3.52%) | 14.82% | 9.25% |
| Free cash flow margin | (94.31%) | 41.83% | 13.03% |
| Return on equity | (5.67%) | 22.23% | 8.49% |
| Return on assets | (0.77%) | 2.83% | 2.29% |
| Return on invested capital | 0.00% | 16.83% | 4.09% |
Growth
Health
Dividend
Size
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