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Klarna GroupXTER:H1W +2.33%20 ROA % is -0.11% 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 550 Credit Services companies, Klarna Group ranks worse than 79.82% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Klarna Group's annualizedNet Income for the quarter that ended in Mar. 2026 was €-17 Mil.
Klarna Group's average Total Assets over the quarter that ended in Mar. 2026 was €15,806 Mil. Therefore, Klarna Group's annualized ROA % for the quarter that ended in Mar. 2026 was -0.11%.
The historical rank and industry rank for Klarna Group's ROA % or its related term are showing as below:
XTER:H1W'
s ROA % Range Over the Past 10 Years
Min: -1.8 Med: -1.77 Max: 0.07
Current: -1.08
During the past 4 years, Klarna Group's highest ROA % was 0.07%. The lowest was -1.80%. And the median was -1.77%.
XTER:H1W's ROA % is ranked worse than 79.82% of 550
companies
in the Credit Services industry
Industry Median: 2.01
vs XTER:H1W: -1.08
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Klarna Group ROA % Related Terms
Klarna Group ROA % Historical Data
* Premium members only.
The historical data trend for Klarna Group's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Klarna Group's ROA % distribution charts can be found below:
* The bar in red indicates where Klarna Group's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Klarna Group (XTER:H1W) has a ROA % of -0.11% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Klarna Group and its competitors. According to the industry distribution chart, Klarna Group ranks #439 out of 550 companies in the Credit Services industry, placing it in the top 79.8%.
Is Klarna Group's ROA % too high?
Klarna Group's current ROA % is -0.11%. Based on the distribution chart, Klarna Group ranks #439 out of 550 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 ROA % compare to OMF and CACC?
According to the Credit Services industry distribution chart, Klarna Group ranks #439 out of 550 companies for ROA %. This places Klarna Group in the lower half of its industry. The industry median ROA % is 2.01. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 2.01, based on 550 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Klarna Group and its competitors. For the Credit Services industry, the median ROA % is 2.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Klarna Group's current ROA % is -0.11%. 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 ROA % of -0.11%. The current ROA % is -0.11%. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Klarna Group (XTER:H1W), the current ROA % is -0.11% 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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