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KLARNA GROUP PLC (H1W.DE) Stock Fundamental Analysis

Europe - FRA:H1W - GB00BMHVL512 - Common Stock

30.44 EUR
-1.71 (-5.32%)
Last: 10/17/2025, 7:00:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to H1W. H1W was compared to 50 industry peers in the Financial Services industry. The financial health of H1W is average, but there are quite some concerns on its profitability. H1W does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year H1W was profitable.
In the past year H1W had a positive cash flow from operations.
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

Looking at the Return On Assets, with a value of 0.14%, H1W is doing worse than 65.38% of the companies in the same industry.
The Return On Equity of H1W (0.97%) is worse than 61.54% of its industry peers.
Industry RankSector 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
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 of H1W (0.75%) is worse than 63.46% of its industry peers.
The Operating Margin and Gross Margin are not available for H1W so they could not be analyzed.
Industry RankSector 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
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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5

2. Health

2.1 Basic Checks

H1W does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for H1W remains at a similar level compared to 1 year ago.
The debt/assets ratio for H1W is higher compared to a year ago.
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

Based on the Altman-Z score of 1.59, we must say that H1W is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of H1W (1.59) is comparable to the rest of the 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.
H1W's Debt to FCF ratio of 28.11 is on the low side compared to the rest of the industry. H1W is outperformed by 73.08% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that H1W is not too dependend on debt financing.
H1W's Debt to Equity ratio of 0.25 is fine compared to the rest of the industry. H1W outperforms 61.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 28.11
Altman-Z 1.59
ROIC/WACCN/A
WACC9.11%
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

H1W has a Current Ratio of 7.36. This indicates that H1W is financially healthy and has no problem in meeting its short term obligations.
H1W has a Current ratio of 7.36. This is amongst the best in the industry. H1W outperforms 84.62% of its industry peers.
A Quick Ratio of 7.36 indicates that H1W has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 7.36, H1W belongs to the top of the industry, outperforming 84.62% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 7.36
Quick Ratio 7.36
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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3

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%-229.96%
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 169.89% yearly.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y124.39%
EPS Next 2Y243.73%
EPS Next 3Y169.89%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
H1W.DE Yearly Revenue VS EstimatesH1W.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 500M 1B 1.5B 2B 2.5B
H1W.DE Yearly EPS VS EstimatesH1W.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0.2 0.4 0.6 0.8 1

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 608.80 indicates a quite expensive valuation of H1W.
Based on the Price/Earnings ratio, H1W is valued a bit more expensive than 69.23% of the companies in the same industry.
H1W's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.42.
With a Price/Forward Earnings ratio of 58.59, H1W can be considered very expensive at the moment.
67.31% of the companies in the same industry are cheaper than H1W, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.94. H1W is valued rather expensively when compared to this.
Industry RankSector Rank
PE 608.8
Fwd PE 58.59
H1W.DE Price Earnings VS Forward Price EarningsH1W.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 200 400 600

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of H1W indicates a slightly more expensive valuation: H1W is more expensive than 65.38% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, H1W is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 706.01
EV/EBITDA 155.78
H1W.DE Per share dataH1W.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as H1W's earnings are expected to grow with 169.89% in the coming years.
PEG (NY)4.89
PEG (5Y)N/A
EPS Next 2Y243.73%
EPS Next 3Y169.89%

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0

5. Dividend

5.1 Amount

No dividends for H1W!.
Industry RankSector Rank
Dividend Yield N/A

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KLARNA GROUP PLC

FRA:H1W (10/17/2025, 7:00:00 PM)

30.44

-1.71 (-5.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners24.94%
Inst Owner ChangeN/A
Ins Owners14.76%
Ins Owner ChangeN/A
Market Cap11.48B
Analysts85.71
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 608.8
Fwd PE 58.59
P/S 4.77
P/FCF 706.01
P/OCF 706.01
P/B 6.18
P/tB 11.87
EV/EBITDA 155.78
EPS(TTM)0.05
EY0.16%
EPS(NY)0.52
Fwd EY1.71%
FCF(TTM)0.04
FCFY0.14%
OCF(TTM)0.04
OCFY0.14%
SpS6.38
BVpS4.92
TBVpS2.56
PEG (NY)4.89
PEG (5Y)N/A
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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 1.59
F-ScoreN/A
WACC9.11%
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%-229.96%
EPS Next Y124.39%
EPS Next 2Y243.73%
EPS Next 3Y169.89%
EPS Next 5YN/A
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.02%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
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