Klarna Group (KLAR) vs SoFi Technologies (SOFI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
SoFi Technologies (SOFI) has outperformed Klarna Group (KLAR) over the past year, losing 44.4% versus a loss of 67.9%. SoFi Technologies is the larger company by market cap ($20.23 billion vs $5.02 billion), about 4.0 times the size, while Klarna Group is growing revenue faster (+24.8% vs +23.1%). On valuation, Klarna Group trades at a lower forward P/E (16.6x vs 19.0x for SoFi Technologies).
SoFi Technologies converts more of its revenue into profit, with a net margin of 77.7% 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 | KLAR | SOFI |
|---|---|---|
| Share price | $13.25 | $15.66 |
| Market cap | $5.02B | $20.23B |
| 1-day change | 0.00% | -0.63% |
| YTD return | -54.17% | -40.24% |
| 1-year return | -67.95% | -44.40% |
| 5-year return | — | -19.27% |
| P/E ratio (TTM) | — | 31.96 |
| Forward P/E | 16.60 | 19.03 |
| EPS (TTM) | $-0.52 | $0.49 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $3.51B | $619.35M |
| Revenue growth (YoY) | +24.83% | +23.10% |
| Net income (latest FY) | $-273.00M | $481.32M |
| Gross margin | — | 1.67% |
| Operating margin | -6.55% | — |
| Net margin | -7.78% | 77.71% |
| 52-week high | $44.75 | $32.73 |
| 52-week low | $12.06 | $14.88 |
| Distance from 52-week high | -70.39% | -52.15% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +47.47% | +29.82% |
| Average volume | 5.81M | 57.64M |
| Shares outstanding | 379.16M | 1.29B |
| Employees | 2,831 | 6,100 |
| 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
- SoFi Technologies is about 4.0 times larger than Klarna Group by market value ($20.23B vs $5.02B).
- SOFI has outperformed KLAR by 23.5 percentage points over the past year.
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus -7.8 cents for Klarna Group.
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
About SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Finance · Finance: Consumer Services · 6,100 employees
KLAR vs SOFI FAQ
Which is bigger, Klarna Group or SoFi Technologies?
SoFi Technologies (SOFI) is larger, with a market capitalization of $20.23B compared with $5.02B for Klarna Group (KLAR).
Which stock has performed better over the past year, KLAR or SOFI?
SOFI returned -44.40% over the past 12 months, compared with -67.95% for KLAR (price return, excluding dividends). Past performance does not predict future results.
Are Klarna Group and SoFi Technologies in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.