Enova International (ENVA) vs Klarna Group (KLAR)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Enova International (ENVA) has outperformed Klarna Group (KLAR) over the past year, gaining 64.9% versus a loss of 66.0%. Klarna Group is the larger company by market cap ($5.33 billion vs $4.43 billion), about 1.2 times the size. On valuation, Enova International trades at a lower forward P/E (8.5x vs 17.6x for Klarna Group).
Enova International converts more of its revenue into profit, with a net margin of 9.8% versus -7.8%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ENVA | KLAR |
|---|---|---|
| Share price | $178.07 | $14.06 |
| Market cap | $4.43B | $5.33B |
| 1-day change | -2.48% | +4.46% |
| YTD return | +13.28% | -51.37% |
| 1-year return | +64.88% | -65.96% |
| 5-year return | +406.49% | — |
| P/E ratio (TTM) | 13.22 | — |
| Forward P/E | 8.50 | 17.61 |
| EPS (TTM) | $13.47 | $-0.37 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $3.15B | $3.51B |
| Revenue growth (YoY) | +18.58% | +24.83% |
| Net income (latest FY) | $308.39M | $-273.00M |
| Gross margin | 58.07% | — |
| Operating margin | 23.46% | -6.55% |
| Net margin | 9.78% | -7.78% |
| 52-week high | $267.45 | $41.64 |
| 52-week low | $103.02 | $12.06 |
| Distance from 52-week high | -33.42% | -66.23% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +35.34% | +38.98% |
| Average volume | 357.94K | 5.77M |
| Shares outstanding | 24.90M | 379.16M |
| Employees | 1,836 | 2,831 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- ENVA has outperformed KLAR by 130.8 percentage points over the past year.
- Enova International is more profitable, keeping 9.8 cents of every revenue dollar as net income versus -7.8 cents for Klarna Group.
- Klarna Group grew revenue faster in its latest fiscal year (+24.83% vs +18.58%).
About Enova International
ENVA stock →Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan.
Finance · Finance: Consumer Services · 1,836 employees
About Klarna Group
KLAR stock →Klarna Group plc operates as a digital bank and flexible payments provider in the United Kingdom, the United States, Germany, Sweden, and internationally. The company offers payment solutions, such as pay in full solution that settles purchases at time of the transaction; pay later solution that enables customers to purchase goods and services at the time of the transaction and pay the full amount at a later date; and fair financing that allows consumers to pay for their purchase over a long duration.
Finance · Finance: Consumer Services · 2,831 employees
ENVA vs KLAR FAQ
Which is bigger, Enova International or Klarna Group?
Klarna Group (KLAR) is larger, with a market capitalization of $5.33B compared with $4.43B for Enova International (ENVA).
Which stock has performed better over the past year, ENVA or KLAR?
ENVA returned +64.88% over the past 12 months, compared with -65.96% for KLAR (price return, excluding dividends). Past performance does not predict future results.
Are Enova International and Klarna Group in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.