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H1W

Klarna Group PLC R
Chart
16.30 EUR
Latest Week 2026-07-31
Financial ServicesCredit ServicesMID
Snapshot 2026-07-26 · 1.0w · Fresh
0.33
OS Score
63.0%
Value
6.0%
Quality
42.0%
Momentum
0/9
F-Score
0.194
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
1 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
15.1%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
63.0%ile
P/S
1.6×
P/B
2.4×
E/P
0.1258
FCF Yield
-0.563
EBITDA/EV
0.151
SH Yield
-0.032
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
41.00000000
/100 — 1=cheapest
VC2 (Trending Value)
66.00000000
/100
VC3 (Buyback)
66.00000000
/100
Negative FCF yield (-56.3%) — the business is currently cash-consumptive.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
6.0%ile
ROE
-0.081
ROA
-0.011
Net Margin
-0.052
Op Margin
0.153
GPA
0.108
Current
1.03
F-Score
0/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.249
Stability
0.654
lower=better
Accruals
0.133
lower=better
5yr Consist
No
Accruals ratio of 0.133 is elevated — earnings quality may be lower than headline numbers suggest. F-Score of 0/9 flags fundamental deterioration — multiple signals are weakening.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
42.0%ile
6M Return
-34.0%
Vol 252d
71.6%
Vol 60d
157.6%
↑ Expanding
Max DD 12M
-66.6%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (158%) is expanding vs long-term (72%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.33
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 94 peers
Sector Value %ile
68.4%
Sector Quality %ile
5.3%
P/B z-score
-0.06
Sector Avg OS
52.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
PA9 The Travelers Companies, Inc. 97.0% 84.0% 71.0% 92.0%
BNP BNP Paribas SA 95.0% 84.0% 65.0% 82.0%
FO4N ageas SA/NV 95.0% 86.0% 59.0% 77.0%
UN9 UNIQA Insurance Group AG 95.0% 82.0% 68.0% 85.0%
RAW Raiffeisen Bank International AG 95.0% 77.0% 57.0% 96.0%
ALV Allianz SE 94.0% 77.0% 77.0% 75.0%
BCY Barclays PLC 93.0% 76.0% 64.0% 85.0%
DBK Deutsche Bank Aktiengesellschaft 93.0% 85.0% 67.0% 63.0%
Factor Interactions
Cheap for a Reason?
Looks cheap (63th value) but weak quality (6th). Classic value trap risk.
Volatility Expanding
60-day vol (158%) significantly exceeds 252-day (72%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
54.2% avg (6 factors)
Quality
F
15.4% avg (7 factors)
Momentum
F
0.0% avg (1 factors)
Risk
F
0.0% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required. Elevated risk profile — position sizing should reflect the higher volatility.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.330—0—
Value %ile0.630—0—
Quality %ile0.060—8—
Momentum %ile0.420—0—
F-Score0.000—8—
Confidence0.755—8—
Volatility0.716—8—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
Earnings Yield (E/P)
0.1258
Price / Sales
1.55
Price / Book
2.41
FCF Yield
-56.3%
EBITDA / EV
15.1%
Sales Yield (1/P·S)
0.8202
Shareholder Yield
Div + net buyback / mktcap
-3.2%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
-8.1%
Return on Assets
-1.1%
Net Margin
-5.2%
Operating Margin
15.3%
Gross Profit / Assets
Novy-Marx GPA
10.8%
Current Ratio
1.03
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.133
MomentumPrice trend strength over different horizons
6M Return
-34.0%
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
24.9%
Earnings Stability (CV)
Lower = more stable
0.654
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
0
Buyback Yield
-3.2%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
41
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
66
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
66
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity