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Katapult Holdings, Inc.(KPLT)Earnings, Financials & Key Ratios
KPLT•NASDAQ
$6.95
$31M mkt cap·Price updated May 6, 2026
AboutKatapult Holdings, Inc., an e-commerce focused financial technology company, provides e-commerce point-of-sale lease-purchase options for nonprime consumers in the United States. The company's technology platform provides nonprime consumers with a lease purchase option to enable them to obtain durable goods from its network of e-commerce merchants. The company was formerly known as Cognical Holdings, Inc. and changed its name to Katapult Holdings, Inc. in February 2020. The company is headquartered in Plano, Texas.Show more
- Revenue$292M+18.0%
- EBITDA$193M+45.6%
- Net Income$1M+105.3%
- EPS (Diluted)-0.11+98.2%
- Gross Margin-28.87%-255.9%
- EBITDA Margin66.3%+23.4%
- Operating Margin9.92%+402.8%
- Net Margin0.47%+104.5%
- ROIC39.64%+439.0%
- Interest Coverage1.08-0.6%
KPLT Key Insights
Katapult Holdings, Inc. (KPLT) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient asset utilization: 2.7x turnover
✗Weaknesses
- ✗Profits declining 42.9% over 5 years
- ✗Negative free cash flow
- ✗Shares diluted 15.6% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
KPLT Price & Volume
Katapult Holdings, Inc. (KPLT) stock price & volume — 10-year historical chart
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KPLT Growth Metrics
Katapult Holdings, Inc. (KPLT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years3.37%
3 Years11.67%
TTM18.03%
Profit CAGR
10 Years-
5 Years-42.92%
3 Years-
TTM105.27%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM99.49%
Return on Capital
10 Years-28.72%
5 Years-27.53%
3 Years-37.23%
Last Year39.64%
KPLT Peer Comparison
Katapult Holdings, Inc. (KPLT) competitors in Payments and fintech infrastructure — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 UPBD | 1.1B | 19.01 | 15.21 | 8.67% | 1.78% | 12.1% | 2.67 | |
 PRAA | 818.67M | 21.29 | -2.73 | 10.36% | -25.96% | 0.03 | ||
 AFRM | 21.85B | 65.58 | 437.20 | 38.8% | 7.6% | 8.83% | 2.56 | |
 SEZL | 2.91B | 86.02 | 23.12 | 66.08% | 90.93% | 0.83 | ||
 FOUR | 3.93B | 42.90 | 14.16 | 29.86% | 5.02% | 8.73% | 2.83 | |
 LPRO | 202.15M | 1.71 | -47.90 | 288.02% | -5.53% | 1.17 | ||
 ATLC | 1.16B | 77.82 | 13.06 | 53.29% | 21.1% | 10.84 | ||
 CACC | 5.63B | 539.93 | 14.38 | 8.57% | 29.39% | 4.17 |
Compare KPLT vs Peers
Katapult Holdings, Inc. (KPLT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
KPLT Income Statement
Katapult Holdings, Inc. (KPLT) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 43.15M | 91.88M | 247.2M | 303.11M | 209.5M | 221.59M | 247.19M | 291.76M |
| Revenue Growth % | - | 112.94% | 169.06% | 22.62% | -30.88% | 5.77% | 11.56% | 18.03% |
| Cost of Goods Sold | 37.62M | 71.22M | 167.41M | 214.12M | 172.09M | 179.88M | 201.42M | 376M |
| COGS % of Revenue | 87.2% | 77.52% | 67.72% | 70.64% | 82.15% | 81.18% | 81.48% | 128.87% |
| Gross Profit | 5.52M▲ 0% | 20.66M▲ 274.0% | 79.79M▲ 286.3% | 88.99M▲ 11.5% | 37.41M▼ 58.0% | 41.71M▲ 11.5% | 45.77M▲ 9.7% | -84.24M▼ 284.0% |
| Gross Margin % | 12.8% | 22.48% | 32.28% | 29.36% | 17.85% | 18.82% | 18.52% | -28.87% |
| Gross Profit Growth % | - | 273.95% | 286.25% | 11.53% | -57.97% | 11.5% | 9.74% | -284.05% |
| Operating Expenses | 24.05M | 30.05M | 42.88M | 90.65M | 65.85M | 60.5M | 53.87M | -113.19M |
| OpEx % of Revenue | 55.73% | 32.71% | 17.35% | 29.9% | 31.43% | 27.3% | 21.79% | -38.8% |
| Selling, General & Admin | 18.59M | 11.1M | 14.1M | 44.22M | 49.92M | 40.36M | 16.07M | 19.41M |
| SG&A % of Revenue | 43.08% | 12.08% | 5.7% | 14.59% | 23.83% | 18.22% | 6.5% | 6.65% |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | - | - | - | - | - | - | - | - |
| Other Operating Expenses | 0 | 18.95M | 28.78M | 46.42M | 15.93M | 20.14M | 37.8M | -132.6M |
| Operating Income | -13.06M▲ 0% | -9.39M▲ 28.1% | 36.91M▲ 493.0% | -1.66M▼ 104.5% | -28.44M▼ 1616.4% | -18.79M▲ 33.9% | -8.1M▲ 56.9% | 28.95M▲ 457.4% |
| Operating Margin % | -30.28% | -10.22% | 14.93% | -0.55% | -13.58% | -8.48% | -3.28% | 9.92% |
| Operating Income Growth % | - | 28.1% | 492.95% | -104.49% | -1616.42% | 33.93% | 56.89% | 457.39% |
| EBITDA | 12.19M | 37.69M | 148.35M | 142.34M | 88.76M | 108.1M | 132.85M | 193.45M |
| EBITDA Margin % | 28.26% | 41.02% | 60.01% | 46.96% | 42.37% | 48.78% | 53.74% | 66.3% |
| EBITDA Growth % | - | 209.12% | 293.6% | -4.06% | -37.64% | 21.78% | 22.9% | 45.61% |
| D&A (Non-Cash Add-back) | 25.26M | 47.08M | 111.45M | 143.99M | 117.2M | 126.89M | 140.95M | 164.5M |
| EBIT | -13.06M | -10.21M | 36.61M | 38.23M | -21.26M | 10.23M | 20.53M | 22.24M |
| Net Interest Income | 0 | -8.58M | -13.59M | -16.48M | -18.52M | -16.13M | -17.69M | -20.36M |
| Interest Income | 4.99M | 0 | 0 | 0 | 744K | 1.7M | 1.16M | 197K |
| Interest Expense | 0 | 8.58M | 13.59M | 16.48M | 19.26M | 17.82M | 18.85M | 20.55M |
| Other Income/Expense | -6.64M | -9.4M | -13.89M | 20.09M | -12.08M | -17.71M | -17.67M | -27.27M |
| Pretax Income | -23.51M▲ 0% | -18.79M▲ 20.1% | 23.02M▲ 222.5% | 21.75M▼ 5.5% | -40.52M▼ 286.4% | -36.5M▲ 9.9% | -25.77M▲ 29.4% | 1.68M▲ 106.5% |
| Pretax Margin % | -54.49% | -20.45% | 9.31% | 7.17% | -19.34% | -16.47% | -10.43% | 0.58% |
| Income Tax | 0 | 0 | 487K | 539K | -50K | 165K | 143K | 319K |
| Effective Tax Rate % | 0% | 0% | 2.12% | 2.48% | 0.12% | -0.45% | -0.55% | 18.94% |
| Net Income | -23.51M▲ 0% | -18.79M▲ 20.1% | 22.53M▲ 219.9% | 21.21M▼ 5.9% | -40.47M▼ 290.9% | -36.67M▲ 9.4% | -25.91M▲ 29.3% | 1.36M▲ 105.3% |
| Net Margin % | -54.49% | -20.45% | 9.11% | 7% | -19.32% | -16.55% | -10.48% | 0.47% |
| Net Income Growth % | - | 20.06% | 219.9% | -5.88% | -290.85% | 9.4% | 29.32% | 105.27% |
| Net Income (Continuing) | -23.51M | -18.79M | 22.53M | 21.21M | -40.47M | -36.67M | -25.91M | 1.36M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -73.79▲ 0% | -21.44▲ 70.9% | 12.00▲ 156.0% | 6.50▼ 45.8% | -10.30▼ 258.5% | -8.97▲ 12.9% | -5.96▲ 33.6% | -0.11▲ 98.2% |
| EPS Growth % | - | 70.94% | 155.97% | -45.83% | -258.46% | 12.91% | 33.56% | 98.15% |
| EPS (Basic) | -73.79 | -21.44 | 18.26 | 7.75 | -10.30 | -8.97 | -5.96 | -0.11 |
| Diluted Shares Outstanding | 318.59K | 1.28M | 1.28M | 3.22M | 3.93M | 4.09M | 4.35M | 5.03M |
| Basic Shares Outstanding | 318.59K | 1.28M | 1.28M | 4.09M | 3.93M | 4.09M | 4.35M | 5.03M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - |
KPLT Balance Sheet
Katapult Holdings, Inc. (KPLT) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 20.53M | 48.66M | 139.22M | 164.44M | 126.78M | 97.64M | 90.37M | 105.23M |
| Cash & Short-Term Investments | 1.47M | 7.51M | 65.62M | 92.49M | 65.43M | 21.41M | 3.46M | 22.43M |
| Cash Only | 1.47M | 7.51M | 65.62M | 92.49M | 65.43M | 21.41M | 3.46M | 22.43M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 1.11M | 924K | 1.64M | 2.01M | 0 | 5M | 0 | 0 |
| Days Sales Outstanding | 9.42 | 3.67 | 2.42 | 2.42 | - | 8.24 | - | - |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - |
| Other Current Assets | 17.27M | 39.59M | 70.71M | 65.69M | 61.35M | 71.23M | 86.9M | 82.8M |
| Total Non-Current Assets | 508K | 353K | 609K | 1.72M | 3.27M | 3.23M | 2.8M | 2.64M |
| Property, Plant & Equipment | 156K | 179K | 330K | 576K | 1.33M | 1.22M | 636K | 502K |
| Fixed Asset Turnover | 276.58x | 513.28x | 749.09x | 526.24x | 157.64x | 182.38x | 388.67x | 581.20x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 54K | 49K | 188K | 1.06M | 1.85M | 1.92M | 2.08M | 2.12M |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 298K | 125K | 91K | 91K | 91K | 91K | 91K | 15K |
| Total Assets | 21.04M▲ 0% | 49.01M▲ 133.0% | 139.83M▲ 185.3% | 166.16M▲ 18.8% | 130.05M▼ 21.7% | 100.86M▼ 22.4% | 93.17M▼ 7.6% | 107.87M▲ 15.8% |
| Asset Turnover | 2.05x | 1.87x | 1.77x | 1.82x | 1.61x | 2.20x | 2.65x | 2.70x |
| Asset Growth % | - | 133% | 185.28% | 18.83% | -21.73% | -22.44% | -7.63% | 15.77% |
| Total Current Liabilities | 6.88M | 26.07M | 17.31M | 16.12M | 50.08M | 42.3M | 138.69M | 117.6M |
| Accounts Payable | 1.07M | 920K | 1.69M | 2.03M | 1.26M | 903K | 1.49M | 1.89M |
| Days Payables Outstanding | 10.37 | 4.71 | 3.68 | 3.46 | 2.68 | 1.83 | 2.7 | 1.84 |
| Short-Term Debt | 0 | 15.8M | 0 | 0 | 25M | 0 | 112.63M | 78.78M |
| Deferred Revenue (Current) | 0 | 0 | 2.65M | 2.13M | 4.18M | 4.95M | 4.82M | 4.88M |
| Other Current Liabilities | 873K | 1.37M | 600K | 0 | 2.38M | 4.18M | 4.21M | 24.92M |
| Current Ratio | 2.99x | 1.87x | 8.04x | 10.20x | 2.53x | 2.31x | 0.65x | 0.89x |
| Quick Ratio | 2.99x | 1.87x | 8.04x | 10.20x | 2.53x | 2.31x | 0.65x | 0.89x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 35.76M | 46.89M | 123.47M | 109.24M | 82.04M | 86.56M | 1.27M | 437K |
| Long-Term Debt | 35.76M | 46.89M | 110.73M | 101.9M | 80.7M | 85.85M | 0 | 0 |
| Capital Lease Obligations | 0 | 0 | 0 | 0 | 445K | 614K | 444K | 392K |
| Deferred Tax Liabilities | 0 | 0 | 0 | -2.13M | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 12.74M | 7.34M | 902K | 95K | 828K | 45K |
| Total Liabilities | 42.63M | 72.96M | 140.78M | 125.36M | 132.12M | 128.85M | 139.97M | 118.04M |
| Total Debt | 35.76M | 62.7M | 110.73M | 101.9M | 106.52M | 90.34M | 113.25M | 79.17M |
| Net Debt | 34.29M | 55.19M | 45.11M | 9.4M | 41.09M | 68.93M | 109.79M | 56.74M |
| Debt / Equity | - | - | - | 2.50x | - | - | - | - |
| Debt / EBITDA | 2.93x | 1.66x | 0.75x | 0.72x | 1.20x | 0.84x | 0.85x | 0.41x |
| Net Debt / EBITDA | 2.81x | 1.46x | 0.30x | 0.07x | 0.46x | 0.64x | 0.83x | 0.29x |
| Interest Coverage | - | -1.19x | 2.69x | 2.32x | -1.10x | 0.57x | 1.09x | 1.08x |
| Total Equity | -21.6M▲ 0% | -23.94M▼ 10.9% | -949K▲ 96.0% | 40.8M▲ 4399.2% | -2.07M▼ 105.1% | -27.99M▼ 1254.9% | -46.79M▼ 67.2% | -10.17M▲ 78.3% |
| Equity Growth % | - | -10.86% | 96.04% | 4399.16% | -105.06% | -1254.89% | -67.17% | 78.26% |
| Book Value per Share | -67.80 | -18.76 | -0.74 | 12.66 | -0.53 | -6.85 | -10.76 | -2.02 |
| Total Shareholders' Equity | -21.6M | -23.94M | -949K | 40.8M | -2.07M | -27.99M | -46.79M | -10.17M |
| Common Stock | 1K | 9K | 3K | 10K | 0 | 0 | 0 | 0 |
| Retained Earnings | -59.31M | -80.58M | -58.05M | -36.84M | -85.87M | -122.54M | -148.45M | -147.09M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
KPLT Cash Flow Statement
Katapult Holdings, Inc. (KPLT) cash flow — operating, investing & free cash flow history
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -25.48M | -31.58M | -2.14M | 2.17M | -20.85M | -17.41M | -32.57M | -11.93M |
| Operating CF Margin % | -59.05% | -34.38% | -0.87% | 0.71% | -9.95% | -7.86% | -13.18% | -4.09% |
| Operating CF Growth % | - | -23.97% | 93.22% | 201.12% | -1062.51% | 16.47% | -87.03% | 63.36% |
| Net Income | -23.51M | -18.79M | 22.53M | 21.21M | -37.87M | -36.67M | -25.91M | 1.36M |
| Depreciation & Amortization | 25.26M | 47.08M | 111.45M | 143.99M | 116.7M | 126.89M | 140.95M | 164.5M |
| Stock-Based Compensation | 181K | 315K | 351K | 13.02M | 6.44M | 7.03M | 5.76M | 3.69M |
| Deferred Taxes | 0 | 0 | 0 | 6.29M | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 19.9M | 33.17M | 65.32M | 50.19M | 49.04M | 53.98M | 58.53M | 52.52M |
| Working Capital Changes | -47.31M | -93.36M | -201.79M | -232.54M | -155.15M | -168.65M | -211.9M | -234.01M |
| Change in Receivables | -5.1M | -8.97M | -16.78M | -28.67M | 0 | 0 | 0 | 0 |
| Change in Inventory | 0 | 0 | 0 | -4.86M | 0 | 0 | 0 | 0 |
| Change in Payables | 0 | -150K | 768K | 344K | -765K | -361K | 588K | 400K |
| Cash from Investing | -58K | 91K | -402K | -1.44M | -1.5M | -974K | -1.3M | -1.1M |
| Capital Expenditures | -24K | -82K | -234K | -1.44M | -1.5M | -20K | -54K | -34K |
| CapEx % of Revenue | 0.06% | 0.09% | 0.09% | 0.47% | 0.72% | 0.01% | 0.02% | 0.01% |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | - | - | - | - | - | - | - | - |
| Other Investing | -34K | 173K | -168K | 0 | 0 | -954K | -1.25M | -1.07M |
| Cash from Financing | 25.65M | 40.78M | 59.9M | 26.1M | -4.24M | -22.64M | 21.61M | 19.97M |
| Debt Issued (Net) | 22.43M | 31.44M | 60.71M | -13.44M | -3.96M | -22.25M | 22.02M | -44.45M |
| Equity Issued (Net) | 0 | 9.34M | 0 | 150.68M | -344K | -355K | -613K | 64.41M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -344K | -355K | -613K | -594K |
| Other Financing | 3.23M | 2K | -819K | -111.14M | 67K | -33K | 211K | 0 |
| Net Change in Cash | 119K▲ 0% | 9.28M▲ 7701.7% | 57.35M▲ 517.7% | 26.83M▼ 53.2% | -26.59M▼ 199.1% | -41.03M▼ 54.3% | -12.26M▲ 70.1% | 6.93M▲ 156.5% |
| Free Cash Flow | -25.5M▲ 0% | -31.67M▼ 24.2% | -2.58M▲ 91.9% | 730K▲ 128.3% | -22.35M▼ 3162.1% | -18.39M▲ 17.7% | -32.62M▼ 77.4% | -11.97M▲ 63.3% |
| FCF Margin % | -59.1% | -34.47% | -1.04% | 0.24% | -10.67% | -8.3% | -13.2% | -4.1% |
| FCF Growth % | - | -24.18% | 91.86% | 128.32% | -3162.05% | 17.74% | -77.41% | 63.32% |
| FCF per Share | -80.04 | -24.80 | -2.02 | 0.23 | -5.69 | -4.50 | -7.50 | -2.38 |
| FCF Conversion (FCF/Net Income) | 1.08x | 1.68x | -0.10x | 0.10x | 0.52x | 0.47x | 1.26x | -8.74x |
| Interest Paid | 0 | 7.11M | 12.61M | 11.63M | 12.03M | 13.01M | 13.71M | 0 |
| Taxes Paid | 0 | 105K | 625K | 416K | 446K | 206K | 270K | 0 |
KPLT Key Ratios
Katapult Holdings, Inc. (KPLT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | - | - | 106.43% | -208.98% | - | - | - |
| Return on Invested Capital (ROIC) | - | -32.06% | 73.42% | -2.63% | -47.81% | -35.25% | -11.69% | 39.64% |
| Gross Margin | 12.8% | 22.48% | 32.28% | 29.36% | 17.85% | 18.82% | 18.52% | -28.87% |
| Net Margin | -54.49% | -20.45% | 9.11% | 7% | -19.32% | -16.55% | -10.48% | 0.47% |
| Debt / Equity | - | - | - | 2.50x | - | - | - | - |
| Interest Coverage | - | -1.19x | 2.69x | 2.32x | -1.10x | 0.57x | 1.09x | 1.08x |
| FCF Conversion | 1.08x | 1.68x | -0.10x | 0.10x | 0.52x | 0.47x | 1.26x | -8.74x |
| Revenue Growth | - | 112.94% | 169.06% | 22.62% | -30.88% | 5.77% | 11.56% | 18.03% |
KPLT SEC Filings & Documents
Katapult Holdings, Inc. (KPLT) SEC filings — annual & quarterly reports (10-K, 10-Q)
KPLT Frequently Asked Questions
Katapult Holdings, Inc. (KPLT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Katapult Holdings, Inc. (KPLT) reported $291.8M in revenue for fiscal year 2025. This represents a 576% increase from $43.1M in 2018.
Katapult Holdings, Inc. (KPLT) grew revenue by 18.0% over the past year. This is strong growth.
Yes, Katapult Holdings, Inc. (KPLT) is profitable, generating $1.4M in net income for fiscal year 2025 (0.5% net margin).
Dividend & Returns
Katapult Holdings, Inc. (KPLT) had negative free cash flow of $12.5M in fiscal year 2025, likely due to heavy capital investments.
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Katapult Holdings, Inc. (KPLT) financial analysis — history, returns, DCA and operating performance tools
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