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Klarna GroupXTER:H1W +2.33%20 Net Margin % is -0.49% as of Mar. 2026. GuruFocus rates XTER:H1W with a GF Score™ of 20/100. The stock has 3 warning signs investors should review. Among 539 Credit Services companies, Klarna Group ranks worse than 81.45% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Klarna Group's Net Income for the
three
months ended in Mar. 2026 was €-4 Mil. Klarna Group's Revenue for the
three
months ended in Mar. 2026 was €875 Mil. Therefore, Klarna Group's net margin for the quarter that ended in Mar. 2026 was -0.49%.
The historical rank and industry rank for Klarna Group's Net Margin % or its related term are showing as below:
XTER:H1W'
s Net Margin % Range Over the Past 10 Years
Min: -54.31 Med: -9.55 Max: 0.32
Current: -5.21
XTER:H1W's Net Margin % is ranked worse than 81.45% of 539
companies
in the Credit Services industry
Industry Median: 15.53
vs XTER:H1W: -5.21
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Klarna Group Net Margin % Related Terms
Klarna Group Net Margin % Historical Data
* Premium members only.
The historical data trend for Klarna Group's Net Margin % 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.
XTER:H1W vs OMF, CACC, ENVA: Net Margin % Comparison
For the Credit Services subindustry, Klarna Group's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Klarna Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Klarna Group's Net Margin % falls into.
* 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 Net Margin % of -0.49% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Klarna Group and its competitors. According to the industry distribution chart, Klarna Group ranks #439 out of 539 companies in the Credit Services industry, placing it in the top 81.4%.
Is Klarna Group's Net Margin % too high?
Klarna Group's current Net Margin % is -0.49%. Based on the distribution chart, Klarna Group ranks #439 out of 539 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 Net Margin % compare to OMF and CACC?
According to the Credit Services industry distribution chart, Klarna Group ranks #439 out of 539 companies for Net Margin %. This places Klarna Group in the lower half of its industry. The industry median Net Margin % is 15.53. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.53, based on 539 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Klarna Group and its competitors. For the Credit Services industry, the median Net Margin % is 15.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Klarna Group's current Net Margin % is -0.49%. 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 Net Margin % of -0.49%. The current Net Margin % is -0.49%. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Klarna Group (XTER:H1W), the current Net Margin % is -0.49% as of Mar. 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.
20GF Score
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