Bread Financial Holdings vs Klarna Group
Bread Financial Holdings and Klarna Group are similar in size: $3.85bn and $3.51bn of revenue in their latest fiscal years. Klarna Group grew faster (24.8% against 0.2%). Bread Financial Holdings kept more of each dollar of sales as profit: a net margin of 13.5% against -7.8%.
| Latest fiscal year | Bread Financial HoldingsBFH, 2025 | Klarna GroupKLAR, 2025 |
|---|---|---|
| Revenue | $3.85bn | $3.51bn |
| Revenue growth | 0.2% | 24.8% |
| Net income | $518m | −$273m |
| Operating margin | — | -6.6% |
| Net margin | 13.5% | -7.8% |
| Return on equity | 16.2% | -11.9% |
| Free cash flow | $2.09bn | −$1.03bn |
| Cash | $3.60bn | $3.80bn |
| Total debt | $4.31bn | $0 |
| Debt to equity | — | 0.0% |
| Dividend per share | $0.86 | — |
| Dividend yield | 1.0% | — |
| Share buybacks | $313m | — |
| Employees | 6,000 | — |
| Market value | $4.03bn | $4.93bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | — |
| Insider trades, 12 months | 4 buys, 5 sales | 1 buys, 0 sales |