Sifting through countless of stocks in the Financial Services industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in NMI Holdings, Inc. or Klarna Group plc because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how NMI Holdings, Inc. and Klarna Group plc compare based on key financial metrics to determine which better meets your investment needs.

About NMI Holdings, Inc. and Klarna Group plc

NMI Holdings, Inc., together with its subsidiaries, provides private mortgage guaranty insurance services in the United States. It provides primary mortgage insurance services; and outsourced loan review services to mortgage loan originators. The company serves national and regional mortgage banks, money center banks, credit unions, community banks, builder-owned mortgage lenders, internet-sourced lenders, and other non-bank lenders. NMI Holdings, Inc. was incorporated in 2011 and is headquartered in Emeryville, California.

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. It also provides advertising solutions that include sponsored search, affiliate programs, and brand advertisement; digital retail banking solutions, such as deposit and saving account, financial insights, and Klarna balance that allow consumer to hold monetary balance with Klarna balance solutions; and payment channels, including Klarna payment, Klarna app, Klarna card, and Klarna in-store. In addition, the company offers membership programs, product search and price comparison, cashback offers and merchant deals, loyalty cards, wish lists, delivery tracking and returns, AI-enabled support, Klarna memberships, Klarna merchant portal, and on-site messaging solutions. The company was formerly known as Klarna UK II plc and changed its name to Klarna Group plc in December 2023. Klarna Group plc was founded in 2005 and is based in London, United Kingdom.

Latest Financial Services and NMI Holdings, Inc., Klarna Group plc Stock News

As of September 14, 2026, NMI Holdings, Inc. had a $3.3 billion market capitalization, compared to the Financial Services median of $2.4 million. NMI Holdings, Inc.’s stock is NA in 2026, NA in the previous five trading days and up 9.37% in the past year.

Currently, NMI Holdings, Inc.’s price-earnings ratio is 8.7. NMI Holdings, Inc.’s trailing 12-month revenue is $730.8 million with a 54.1% net profit margin. Year-over-year quarterly sales growth most recently was 8.1%. Analysts expect adjusted earnings to reach $5.259 per share for the current fiscal year. NMI Holdings, Inc. does not currently pay a dividend.

Currently, Klarna Group plc does not have a price-earnings ratio. Klarna Group plc’s trailing 12-month revenue is $4.0 billion with a -3.5% net profit margin. Year-over-year quarterly sales growth most recently was 26.6%. Analysts expect adjusted earnings to reach $0.060 per share for the current fiscal year. Klarna Group plc does not currently pay a dividend.

How We Compare NMI Holdings, Inc. and Klarna Group plc Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at NMI Holdings, Inc. and Klarna Group plc’s stock grades to see how they measure up against one another.

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NMI Holdings, Inc. and Klarna Group plc Growth Grades

Company	Ticker	Growth
NMI Holdings, Inc.	NMIH	A
Klarna Group plc	KLAR	D

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

NMI Holdings, Inc. has a Growth Score of 100, which is Very Strong. Klarna Group plc has a Growth Score of 37, which is Weak.

The Growth Grade Winner: NMI Holdings, Inc.

As you can clearly see from the Growth Grade breakdown above, NMI Holdings, Inc. has a more attractive growth grade than Klarna Group plc. For investors who focus solely on how a company is growing relative to other companies in the same industry, NMI Holdings, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

NMI Holdings, Inc. and Klarna Group plc’s Momentum Grades

Company	Ticker	Momentum
NMI Holdings, Inc.	NMIH	B
Klarna Group plc	KLAR	F

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

NMI Holdings, Inc. has a Momentum Score of 65, which is Strong. Klarna Group plc has a Momentum Score of 10, which is Very Weak.

The Momentum Grade Winner: NMI Holdings, Inc.

As you can clearly see from the Momentum Grade breakdown above, NMI Holdings, Inc. is considered to have stronger momentum compared to Klarna Group plc. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, NMI Holdings, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

NMI Holdings, Inc. and Klarna Group plc’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
NMI Holdings, Inc.	NMIH	C
Klarna Group plc	KLAR	F

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

NMI Holdings, Inc. has a Earnings Estimate Score of 53, which is Neutral. Klarna Group plc has a Earnings Estimate Score of 16, which is Very Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither NMI Holdings, Inc. or Klarna Group plc has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if NMI Holdings, Inc. or Klarna Group plc is the better investment when it comes to estimate revisions.

Other NMI Holdings, Inc. and Klarna Group plc Grades

In addition to Estimate Revisions, Growth and Momentum, A+ Investor also provides grades for Value and Quality.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether NMI Holdings, Inc. and Klarna Group plc pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, NMI Holdings, Inc. or Klarna Group plc Stock?

Overall, NMI Holdings, Inc. stock has a Growth Score of 100, Momentum Score of 65 and Estimate Revisions Score of 53.

Klarna Group plc stock has a Growth Score of 37, Momentum Score of 10 and Estimate Revisions Score of 16.

Comparing NMI Holdings, Inc. and Klarna Group plc’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.