Business quality is the primary weakness (avg 40/100). Growth is the relative bright spot.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Negative earnings, no valuation support
2.0x book, reasonable for a financial
Above 10% CAGR, strong compounder
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Mild dilution under 2%
Below 2%, weak capital productivity
14.3% equity/assets, well-capitalized
Net margin compressed >2pp, profitability pressure
Klarna Group (KLAR) quality: score, margins and returns
Klarna Group (KLAR) scores 60/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 7 metrics each scored 0 to 100, on 16.4% operating margins and 10.0% ROIC. Every metric is computed from company filings; this is analysis, not investment advice.
Frequently asked
Is Klarna Group (KLAR) a high-quality business?+
Klarna Group scores 60 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which rates it a solid business on these measures. Recent figures include a 16.4% operating margin and a 10.0% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Klarna Group's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from KLAR's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Klarna Group scores well and where it falls behind.
What is Klarna Group's return on invested capital (ROIC)?+
Klarna Group earns about 10.0% on its invested capital, which is solid. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to KLAR's margins and growth on this scorecard to judge durability.
How profitable is Klarna Group?+
Klarna Group runs an operating margin of about 16.4% and a net margin of about -7.1%. Revenue has grown at roughly 24.9% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.
Peers
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Held by ETFs
KLAR is in 15 US ETFs. The largest of them, with KLAR's weight in each:
JPMorgan Active Value ETFJAVA0.25%of the fund
iShares U.S. Small-Cap Equity Factor ETFSMLF0.04%of the fund
Morgan Stanley Pathway Small-Mid Cap Equity ETFMSSM0.05%of the fund
ARK Blockchain & Fintech Innovation ETFARKF1.85%of the fund
BNY Mellon US Mid Cap Core Equity ETFBKMC0.11%of the fund
Fidelity Crypto Industry and Digital Payments ETFFDIG1.87%of the fund
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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