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Klarna GroupXTER:H1W +2.33%20 EV-to-FCF is -1.13 as of Aug. 22, 2026. GuruFocus rates XTER:H1W with a GF Score™ of 20/100. The stock has 3 warning signs investors should review. Among 268 Credit Services companies, Klarna Group ranks worse than 373133.96% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Klarna Group's Enterprise Value is €2,530 Mil.
Klarna Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €-2,239 Mil. Therefore, Klarna Group's EV-to-FCF for today is -1.13.
The historical rank and industry rank for Klarna Group's EV-to-FCF or its related term are showing as below:
XTER:H1W'
s EV-to-FCF Range Over the Past 10 Years
Min: -8.37 Med: -1.41 Max: 8.81
Current: -1.13
During the past 4 years, the highest EV-to-FCF of Klarna Group was 8.81. The lowest was -8.37. And the median was -1.41.
XTER:H1W's EV-to-FCF is ranked worse than 100% of 268
companies
in the Credit Services industry
Industry Median: 13.63
vs XTER:H1W: -1.13
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Klarna Group's PE Ratio (TTM) for today is calculated as:
Klarna Group's share price for today is €12.32.
Klarna Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €-0.444.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Klarna Group EV-to-FCF Related Terms
Klarna Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Klarna Group's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Klarna Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Klarna Group EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Klarna Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Klarna Group's EV-to-FCF falls into.
Klarna Group's current Enterprise Value is €2,530 Mil.
Klarna Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €-2,239 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Klarna Group (XTER:H1W) has a EV-to-FCF of -1.13 as of Aug. 22, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Klarna Group and its competitors. According to the industry distribution chart, Klarna Group ranks #999999 out of 268 companies in the Credit Services industry.
Is Klarna Group's EV-to-FCF too high?
Klarna Group's current EV-to-FCF is -1.13. Based on the distribution chart, Klarna Group ranks #999999 out of 268 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Klarna Group has a GF Score™ of 20/100, reflecting its overall financial health beyond just this single metric.
How does Klarna Group's EV-to-FCF compare to OMF and CACC?
According to the Credit Services industry distribution chart, Klarna Group ranks #999999 out of 268 companies for EV-to-FCF. This places Klarna Group in the lower half of its industry. The industry median EV-to-FCF is 13.63. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.63, based on 268 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Klarna Group and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Klarna Group's current EV-to-FCF is -1.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Klarna Group stock overvalued right now?
Klarna Group (XTER:H1W) has a current EV-to-FCF of -1.13. The current EV-to-FCF is -1.13. Klarna Group's overall GF Score™ is 20/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Klarna Group (XTER:H1W), the current EV-to-FCF is -1.13 as of Aug. 22, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Klarna Group PLC is a technology-driven payments company, with operations spanning multiple countries. It connects consumers and merchants with comprehensive payment solutions and tailored advertising solutions, both online and offline. Its payment solutions provide consumers with more control and flexibility over their payments. It is a digital bank and flexible payments provider building the next-generation AI-powered commerce network.
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