Enova International vs Klarna Group
Enova International and Klarna Group are similar in size: $3.15bn and $3.51bn of revenue in their latest fiscal years. Klarna Group grew faster (24.8% against 18.6%). Enova International kept more of each dollar of sales as profit: a net margin of 9.8% against -7.8%.
| Latest fiscal year | Enova InternationalENVA, 2025 | Klarna GroupKLAR, 2025 |
|---|---|---|
| Revenue | $3.15bn | $3.51bn |
| Revenue growth | 18.6% | 24.8% |
| Net income | $308m | −$273m |
| Operating margin | — | -6.6% |
| Net margin | 9.8% | -7.8% |
| Return on equity | 24.3% | -11.9% |
| Free cash flow | $1.77bn | −$1.03bn |
| Cash | $71.7m | $3.80bn |
| Total debt | $4.50bn | $0 |
| Debt to equity | — | 0.0% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $215m | — |
| Employees | 1,836 | — |
| Market value | $4.34bn | $4.93bn |
| Price vs our value range | — | — |
| Moat score | 69 (Moderate) | — |
| Insider trades, 12 months | 0 buys, 35 sales | 1 buys, 0 sales |