KLARNA GROUP PLC (H1W.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:H1W - GB00BMHVL512 - Common Stock
27.3 EUR
0 (0%)
We assign a fundamental rating of 3 out of 10 to H1W. H1W was compared to 53 industry peers in the Financial Services industry. H1W scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. H1W is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year H1W was profitable.
H1W had a positive operating cash flow in the past year.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.14%, H1W is doing worse than 62.26% of the companies in the same industry.
H1W has a Return On Equity of 0.97%. This is comparable to the rest of the industry: H1W outperforms 41.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 0.97% | ||
| 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
1.3 Margins
H1W's Profit Margin of 0.75% is on the low side compared to the rest of the industry. H1W is outperformed by 60.38% of its industry peers.
H1W does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 0.75% | ||
| 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
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.
2.2 Solvency
Based on the Altman-Z score of 1.53, we must say that H1W is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.53, H1W is in line with its industry, outperforming 56.60% of the companies in the same industry.
The Debt to FCF ratio of H1W is 28.11, which is on the high side as it means it would take H1W, 28.11 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 28.11, H1W is doing worse than 66.04% of the companies in the same industry.
H1W has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
H1W's Debt to Equity ratio of 0.25 is fine compared to the rest of the industry. H1W outperforms 66.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 28.11 | ||
| Altman-Z | 1.53 |
ROIC/WACCN/A
WACC9.09%
2.3 Liquidity
A Current Ratio of 7.36 indicates that H1W has no problem at all paying its short term obligations.
With an excellent Current ratio value of 7.36, H1W belongs to the best of the industry, outperforming 84.91% of the companies in the same industry.
A Quick Ratio of 7.36 indicates that H1W has no problem at all paying its short term obligations.
H1W has a better Quick ratio (7.36) than 84.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.36 | ||
| Quick Ratio | 7.36 |
3. Growth
3.1 Past
H1W shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 108.96%, which is quite impressive.
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%-237.5%
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.02%
3.2 Future
H1W is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 180.24% yearly.
H1W is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 31.61% yearly.
EPS Next Y-1223.27%
EPS Next 2Y233.43%
EPS Next 3Y180.24%
EPS Next 5YN/A
Revenue Next Year46.79%
Revenue Next 2Y37.73%
Revenue Next 3Y31.61%
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 546.00, H1W can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of H1W indicates a slightly more expensive valuation: H1W is more expensive than 67.92% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of H1W to the average of the S&P500 Index (26.11), we can say H1W is valued expensively.
A Price/Forward Earnings ratio of 55.51 indicates a quite expensive valuation of H1W.
Based on the Price/Forward Earnings ratio, H1W is valued a bit more expensive than 66.04% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of H1W to the average of the S&P500 Index (36.21), we can say H1W is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 546 | ||
| Fwd PE | 55.51 |
4.2 Price Multiples
H1W's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. H1W is more expensive than 64.15% of the companies in the same industry.
H1W's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. H1W is more expensive than 69.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 631.29 | ||
| EV/EBITDA | 133.25 |
4.3 Compensation for Growth
H1W's earnings are expected to grow with 180.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y233.43%
EPS Next 3Y180.24%
5. Dividend
5.1 Amount
H1W does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:H1W (11/28/2025, 7:00:00 PM)
27.3
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners24.94%
Inst Owner ChangeN/A
Ins Owners14.76%
Ins Owner ChangeN/A
Market Cap10.30B
Revenue(TTM)2.81B
Net Income(TTM)21.00M
Analysts80.95
Price Target43.88 (60.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.12%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 546 | ||
| Fwd PE | 55.51 | ||
| P/S | 4.27 | ||
| P/FCF | 631.29 | ||
| P/OCF | 631.29 | ||
| P/B | 5.53 | ||
| P/tB | 10.61 | ||
| EV/EBITDA | 133.25 |
EPS(TTM)0.05
EY0.18%
EPS(NY)0.49
Fwd EY1.8%
FCF(TTM)0.04
FCFY0.16%
OCF(TTM)0.04
OCFY0.16%
SpS6.4
BVpS4.94
TBVpS2.57
PEG (NY)N/A
PEG (5Y)N/A
Graham Number2.36
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 0.97% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 0.75% | ||
| GM | N/A | ||
| FCFM | 0.68% |
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 Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 28.11 | ||
| Debt/EBITDA | 8.48 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 30.16% | ||
| Profit Quality | 90.48% | ||
| Current Ratio | 7.36 | ||
| Quick Ratio | 7.36 | ||
| Altman-Z | 1.53 |
F-ScoreN/A
WACC9.09%
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%-237.5%
EPS Next Y-1223.27%
EPS Next 2Y233.43%
EPS Next 3Y180.24%
EPS Next 5YN/A
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.02%
Revenue Next Year46.79%
Revenue Next 2Y37.73%
Revenue Next 3Y31.61%
Revenue Next 5YN/A
EBIT growth 1Y63.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
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 3 / 10 to H1W.DE.
What is the valuation status for H1W stock?
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 1 / 10.
Can you provide the PE and PB ratios for H1W stock?
The Price/Earnings (PE) ratio for KLARNA GROUP PLC (H1W.DE) is 546 and the Price/Book (PB) ratio is 5.53.
What is the expected EPS growth for KLARNA GROUP PLC (H1W.DE) stock?
The Earnings per Share (EPS) of KLARNA GROUP PLC (H1W.DE) is expected to decline by -1223.27% in the next year.