Logo image of H1W.DE

KLARNA GROUP PLC (H1W.DE) Stock Fundamental Analysis

Europe - Frankfurt Stock Exchange - FRA:H1W - GB00BMHVL512 - Common Stock

25.8 EUR
-1.25 (-4.62%)
Last: 12/23/2025, 7:00:00 PM
Fundamental Rating

2

Overall H1W gets a fundamental rating of 2 out of 10. We evaluated H1W against 59 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

Quickly go to:

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's Return On Assets of -1.09% is on the low side compared to the rest of the industry. H1W is outperformed by 74.58% of its industry peers.
With a Return On Equity value of -9.23%, H1W is not doing good in the industry: 77.97% of the companies in the same industry are doing better.
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

More info and screens

3

2. Health

2.1 Basic Checks

H1W does not have a ROIC to compare to the WACC, probably because it is not profitable.
H1W has about the same amout of 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 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

H1W has a Debt/Equity ratio of 1.07. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.07, H1W is doing worse than 64.41% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.08%
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 12.75. This indicates that H1W is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 12.75, H1W belongs to the best of the industry, outperforming 89.83% of the companies in the same industry.
A Quick Ratio of 12.75 indicates that H1W has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 12.75, H1W belongs to the best of the industry, outperforming 89.83% 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

More info and screens

5

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.
Looking at the last year, H1W shows a very strong growth in Revenue. 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

The Earnings Per Share is expected to grow by 185.60% on average over the next years. This is a very strong growth
H1W is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 32.52% yearly.
EPS Next Y-1246.91%
EPS Next 2Y249.16%
EPS Next 3Y185.6%
EPS Next 5YN/A
Revenue Next Year50.06%
Revenue Next 2Y39.21%
Revenue Next 3Y32.52%
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

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 49.00.
Based on the Price/Forward Earnings ratio, H1W is valued a bit more expensive than the industry average as 69.49% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.03, H1W is valued quite expensively.
Industry RankSector Rank
PE N/A
Fwd PE 49
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 40 -40

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 185.60% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y249.16%
EPS Next 3Y185.6%

More info and screens

0

5. Dividend

5.1 Amount

H1W does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

KLARNA GROUP PLC

FRA:H1W (12/23/2025, 7:00:00 PM)

25.8

-1.25 (-4.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-18 2025-11-18/dmh
Earnings (Next)N/A N/A
Inst Owners24.94%
Inst Owner ChangeN/A
Ins Owners14.76%
Ins Owner ChangeN/A
Market Cap9.73B
Revenue(TTM)5.24B
Net Income(TTM)-226.00M
Analysts81.82
Price Target38.17 (47.95%)
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)-8.6%
PT rev (3m)N/A
EPS NQ rev (1m)-4257.14%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.89%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)1.48%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.02%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 49
P/S 2.19
P/FCF N/A
P/OCF N/A
P/B 4.68
P/tB 8.34
EV/EBITDA N/A
EPS(TTM)-0.52
EYN/A
EPS(NY)0.53
Fwd EY2.04%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.78
BVpS5.51
TBVpS3.09
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
WACC9.08%
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-1246.91%
EPS Next 2Y249.16%
EPS Next 3Y185.6%
EPS Next 5YN/A
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year50.06%
Revenue Next 2Y39.21%
Revenue Next 3Y32.52%
Revenue Next 5YN/A
EBIT growth 1Y63.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year110.37%
EBIT Next 3Y116.63%
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.


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 0 / 10.


Can you provide the expected EPS growth for H1W stock?

The Earnings per Share (EPS) of KLARNA GROUP PLC (H1W.DE) is expected to decline by -1246.91% in the next year.