KLARNA GROUP PLC (H1W.DE) Stock Fundamental Analysis

FRA:H1W • GB00BMHVL512

16.56 EUR
+0.38 (+2.35%)
Last: Feb 18, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

2

Overall H1W gets a fundamental rating of 2 out of 10. We evaluated H1W against 58 industry peers in the Financial Services industry. Both the profitability and financial health of H1W have multiple concerns. While showing a medium growth rate, H1W is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

0

1. Profitability

1.1 Basic Checks

  • In the past year H1W has reported negative net income.
H1W.DE Yearly Net Income VS EBIT VS OCF VS FCFH1W.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 0 500M -500M -1B

1.2 Ratios

  • H1W has a worse Return On Assets (-1.09%) than 75.86% of its industry peers.
  • H1W has a Return On Equity of -9.23%. This is in the lower half of the industry: H1W underperforms 79.31% of its industry peers.
Industry RankSector Rank
ROA -1.09%
ROE -9.23%
ROIC N/A
ROA(3y)-3.41%
ROA(5y)N/A
ROE(3y)-18.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
H1W.DE Yearly ROA, ROE, ROICH1W.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 0 -10 -20 -30 -40

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for H1W so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
H1W.DE Yearly Profit, Operating, Gross MarginsH1W.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 0 -10 -20 -30 -40 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • H1W does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, H1W has about the same amount of shares outstanding.
  • H1W has a worse debt/assets ratio than last year.
H1W.DE Yearly Shares OutstandingH1W.DE Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 100M 200M 300M
H1W.DE Yearly Total Debt VS Total AssetsH1W.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • A Debt/Equity ratio of 1.07 is on the high side and indicates that H1W has dependencies on debt financing.
  • H1W has a worse Debt to Equity ratio (1.07) than 65.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.94%
H1W.DE Yearly LT Debt VS Equity VS FCFH1W.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

  • A Current Ratio of 12.75 indicates that H1W has no problem at all paying its short term obligations.
  • With an excellent Current ratio value of 12.75, H1W belongs to the best of the industry, outperforming 91.38% of the companies in the same industry.
  • H1W has a Quick Ratio of 12.75. This indicates that H1W is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 12.75, H1W belongs to the top of the industry, outperforming 91.38% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 12.75
Quick Ratio 12.75
H1W.DE Yearly Current Assets VS Current LiabilitesH1W.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 108.96% over the past year.
  • H1W shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.51%.
EPS 1Y (TTM)108.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

  • Based on estimates for the next years, H1W will show a very strong growth in Earnings Per Share. The EPS will grow by 187.39% on average per year.
  • The Revenue is expected to grow by 32.94% on average over the next years. This is a very strong growth
EPS Next Y-1292.08%
EPS Next 2Y232.61%
EPS Next 3Y187.39%
EPS Next 5YN/A
Revenue Next Year50.56%
Revenue Next 2Y39.48%
Revenue Next 3Y32.94%
Revenue Next 5YN/A

3.3 Evolution

H1W.DE Yearly Revenue VS EstimatesH1W.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
H1W.DE Yearly EPS VS EstimatesH1W.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0 0.5 -0.5 1

More info and screens

Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for H1W. In the last year negative earnings were reported.
  • H1W is valuated quite expensively with a Price/Forward Earnings ratio of 35.00.
  • Based on the Price/Forward Earnings ratio, H1W is valued a bit more expensive than 67.24% of the companies in the same industry.
  • H1W is valuated rather expensively when we compare the Price/Forward Earnings ratio to 28.16, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 35
H1W.DE Price Earnings VS Forward Price EarningsH1W.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
H1W.DE Per share dataH1W.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

  • H1W's earnings are expected to grow with 187.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y232.61%
EPS Next 3Y187.39%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for H1W!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

KLARNA GROUP PLC

FRA:H1W (2/18/2026, 7:00:00 PM)

16.56

+0.38 (+2.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-18
Earnings (Next)02-19
Inst Owners40.58%
Inst Owner ChangeN/A
Ins Owners13.18%
Ins Owner ChangeN/A
Market Cap6.25B
Revenue(TTM)5.24B
Net Income(TTM)-226.00M
Analysts80.87
Price Target38 (129.47%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-4.79%
PT rev (3m)-8.99%
EPS NQ rev (1m)19.15%
EPS NQ rev (3m)-5457.14%
EPS NY rev (1m)-9.5%
EPS NY rev (3m)-4.34%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)1.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.85%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 35
P/S 1.41
P/FCF N/A
P/OCF N/A
P/B 3.02
P/tB 5.38
EV/EBITDA N/A
EPS(TTM)-0.51
EYN/A
EPS(NY)0.47
Fwd EY2.86%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.72
BVpS5.48
TBVpS3.08
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -1.09%
ROE -9.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-3.41%
ROA(5y)N/A
ROE(3y)-18.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 12.75
Quick Ratio 12.75
Altman-Z N/A
F-ScoreN/A
WACC8.94%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)108.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y-1292.08%
EPS Next 2Y232.61%
EPS Next 3Y187.39%
EPS Next 5YN/A
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year50.56%
Revenue Next 2Y39.48%
Revenue Next 3Y32.94%
Revenue Next 5YN/A
EBIT growth 1Y63.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year119.25%
EBIT Next 3Y119.94%
EBIT Next 5YN/A
FCF growth 1Y-27.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-27.35%
OCF growth 3YN/A
OCF growth 5YN/A

KLARNA GROUP PLC / H1W.DE FAQ

Can you provide the ChartMill fundamental rating for KLARNA GROUP PLC?

ChartMill assigns a fundamental rating of 2 / 10 to H1W.DE.


Can you provide the valuation status for KLARNA GROUP PLC?

ChartMill assigns a valuation rating of 1 / 10 to KLARNA GROUP PLC (H1W.DE). This can be considered as Overvalued.


How profitable is KLARNA GROUP PLC (H1W.DE) stock?

KLARNA GROUP PLC (H1W.DE) has a profitability rating of 0 / 10.