KLARNA GROUP PLC (H1W.DE) Fundamental Analysis & Valuation

FRA:H1W • GB00BMHVL512

Current stock price

11.86 EUR
+0.4 (+3.49%)
Last:

This H1W.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. H1W.DE Profitability Analysis

1.1 Basic Checks

  • In the past year H1W has reported negative net income.
  • H1W had a negative operating cash flow in the past year.
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 2025 0 500M -500M -1B

1.2 Ratios

  • The Return On Assets of H1W (-1.56%) is worse than 69.81% of its industry peers.
  • H1W has a worse Return On Equity (-11.73%) than 79.25% of its industry peers.
Industry RankSector Rank
ROA -1.56%
ROE -11.73%
ROIC N/A
ROA(3y)-1.06%
ROA(5y)N/A
ROE(3y)-7.28%
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 2025 0 -10 -20 -30 -40

1.3 Margins

  • H1W does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2025 0 -10 -20 -30 -40 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

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2. H1W.DE Health Analysis

2.1 Basic Checks

  • H1W does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • H1W has more shares outstanding than it did 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 2025 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 2025 5B 10B 15B

2.2 Solvency

  • Based on the Altman-Z score of 1.36, we must say that H1W is in the distress zone and has some risk of bankruptcy.
  • H1W has a Altman-Z score (1.36) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.57 indicates that H1W is somewhat dependend on debt financing.
  • H1W has a Debt to Equity ratio (0.57) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF N/A
Altman-Z 1.36
ROIC/WACCN/A
WACC8.23%
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 2025 0 1B -1B 2B

2.3 Liquidity

  • A Current Ratio of 9.74 indicates that H1W has no problem at all paying its short term obligations.
  • H1W's Current ratio of 9.74 is amongst the best of the industry. H1W outperforms 90.57% of its industry peers.
  • H1W has a Quick Ratio of 9.74. This indicates that H1W is financially healthy and has no problem in meeting its short term obligations.
  • H1W has a Quick ratio of 9.74. This is amongst the best in the industry. H1W outperforms 90.57% of its industry peers.
Industry RankSector Rank
Current Ratio 9.74
Quick Ratio 9.74
H1W.DE Yearly Current Assets VS Current LiabilitesH1W.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 2025 5B 10B 15B

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

6

3. H1W.DE Growth Analysis

3.1 Past

  • The earnings per share for H1W have decreased strongly by -1422.00% in the last year.
  • Looking at the last year, H1W shows a very strong growth in Revenue. The Revenue has grown by 24.83%.
  • The Revenue has been growing by 22.60% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-1422%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-337.91%
Revenue 1Y (TTM)24.83%
Revenue growth 3Y22.6%
Revenue growth 5YN/A
Sales Q2Q%-61.51%

3.2 Future

  • H1W is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 54.27% yearly.
  • The Revenue is expected to grow by 19.81% on average over the next years. This is quite good.
EPS Next Y87.52%
EPS Next 2Y76.2%
EPS Next 3Y59.73%
EPS Next 5Y54.27%
Revenue Next Year26.25%
Revenue Next 2Y23.05%
Revenue Next 3Y21.62%
Revenue Next 5Y19.81%

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
H1W.DE Yearly Revenue VS EstimatesH1W.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2B 4B 6B 8B 10B
H1W.DE Yearly EPS VS EstimatesH1W.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 2028 2030 2031 2032 2033 0 2 4 6

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1

4. H1W.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for H1W. In the last year negative earnings were reported.
  • Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for H1W. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
H1W.DE Price Earnings VS Forward Price EarningsH1W.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -50 -100 -150

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 -2 4 6

4.3 Compensation for Growth

  • A more expensive valuation may be justified as H1W's earnings are expected to grow with 59.73% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y76.2%
EPS Next 3Y59.73%

More info and screens

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

0

5. H1W.DE Dividend Analysis

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

H1W.DE Fundamentals: All Metrics, Ratios and Statistics

KLARNA GROUP PLC

FRA:H1W (4/30/2026, 7:00:00 PM)

11.86

+0.4 (+3.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)02-19
Earnings (Next)05-14
Inst Owners42.67%
Inst Owner ChangeN/A
Ins Owners13.14%
Ins Owner ChangeN/A
Market Cap4.48B
Revenue(TTM)3.51B
Net Income(TTM)-294.00M
Analysts80.87
Price Target18.68 (57.5%)
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 Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-210.5%
Min EPS beat(2)-422.88%
Max EPS beat(2)1.87%
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)0
Avg Revenue beat(2)-15.5%
Min Revenue beat(2)-29.91%
Max Revenue beat(2)-1.1%
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)-18.16%
PT rev (3m)-52.28%
EPS NQ rev (1m)2.69%
EPS NQ rev (3m)-916.29%
EPS NY rev (1m)-202.01%
EPS NY rev (3m)-113%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-2.37%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)-2.38%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.49
P/FCF N/A
P/OCF N/A
P/B 2.09
P/tB 3.64
EV/EBITDA N/A
EPS(TTM)-0.68
EYN/A
EPS(NY)-0.07
Fwd EYN/A
FCF(TTM)-2.34
FCFYN/A
OCF(TTM)-2.34
OCFYN/A
SpS7.94
BVpS5.67
TBVpS3.26
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -1.56%
ROE -11.73%
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)-1.06%
ROA(5y)N/A
ROE(3y)-7.28%
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-Score1
Asset Turnover0.19
Health
Industry RankSector Rank
Debt/Equity 0.57
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 9.74
Quick Ratio 9.74
Altman-Z 1.36
F-Score1
WACC8.23%
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)-1422%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-337.91%
EPS Next Y87.52%
EPS Next 2Y76.2%
EPS Next 3Y59.73%
EPS Next 5Y54.27%
Revenue 1Y (TTM)24.83%
Revenue growth 3Y22.6%
Revenue growth 5YN/A
Sales Q2Q%-61.51%
Revenue Next Year26.25%
Revenue Next 2Y23.05%
Revenue Next 3Y21.62%
Revenue Next 5Y19.81%
EBIT growth 1Y-89.66%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year777.3%
EBIT Next 3Y184.94%
EBIT Next 5Y119.9%
FCF growth 1Y-275.81%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-275.81%
OCF growth 3YN/A
OCF growth 5YN/A

KLARNA GROUP PLC / H1W.DE Fundamental Analysis 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 of KLARNA GROUP PLC (H1W.DE) stock?

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


Can you provide the profitability details for KLARNA GROUP PLC?

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


How financially healthy is KLARNA GROUP PLC?

The financial health rating of KLARNA GROUP PLC (H1W.DE) is 4 / 10.