Klarna Group plc

Klarna Group plc

KLAR
Klarna Group plcUS flagNew York Stock Exchange
19.03
USD
+0.27
- -
7.18BMarket Cap
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
5.05
6.03
7.45
9.47
10.17
Basic EPS, GAAP
-2.74
-0.65
0.02
-0.79
-0.53
Free Cash Flow per Basic Share
0.61
1.92
1.44
-2.87
-6.98
Dividend per Share
- -
- -
- -
- -
- -
Book Value per Share
- -
-5.72
-5.52
5.85
5.79
Tangible Book Value per Share
- -
2.64
3.36
4.36
4.27
Basic Weighted Avg Shares
377
377
377
371
376
Sales/Revenue/Turnover
1,904
2,276
2,811
3,510
3,821
Operating Margin (%)
-43.75
-1.14
13.59
12.51
15.34
Depreciation Expense
162
227
189
125
116
Net Income, GAAP
-1,034
-244
9
-294
-199
Effective Tax Rate (%)
- -
- -
36.36
- -
93.33
Profit Margin (%)
-54.31
-10.72
0.32
-8.38
-5.21
Working Capital
- -
1,309
1,283
1,348
482
LT Debt
- -
190
509
1,316
1,274
Total Equity
- -
2,197
2,257
2,684
2,634
Return on Invested Capital (%)
- -
- -
8.88
- -
- -
Return on Capital (%)
- -
- -
-20.81
- -
186.34
Return on Common Equity (%)
- -
- -
- -
- -
-40.78

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
53
110
86
LT Borrowings
2,561
1,262
1,274
LT Finance Leases
- -
54
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
377
378
378
Market Capitalization
13,757
10,852
4,917

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
17,443
15,924
14,269
Cash, Cash Equivalents & STI
6,795
4,589
3,997
Accounts Receivable, Net
553
520
855
Inventories
- -
- -
- -
Total Current Liabilities
15,340
14,576
13,787
Payables & Accruals
1,315
1,463
1,400
ST Debt
53
110
86
Deferred Revenue
13,972
13,003
12,301

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
18.92%
Free Cash Flow
- -
- -
-295.94%
Net Income, GAAP
- -
- -
-3,366.67%
Sales/Revenue/Turnover
- -
- -
24.87%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
643
682
706
782
2,811
2025
701
823
903
1,083
3,510
2026
1,012
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.08
-0.01
0.05
- -
0.02
2025
-0.27
-0.14
-0.26
- -
-0.79
2026
-0.01
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Sebastian Marcin Siemiatkowski
Full Time Employees
2,831
Sector
Technology
Industry
Software - Infrastructure
Address
10 York Road London GL United Kingdom SE1 7ND
IPO Date
Sep 10, 2025
Website
klarna.com
Business
Klarna Group plc (NYSE: KLAR) is a Swedish fintech company founded in 2005 and headquartered in London, United Kingdom, that operates as a global digital bank and technology-driven payments provider specializing in buy now, pay later (BNPL) services, flexible payment solutions, and AI-powered banking products for consumers and merchants in the e-commerce sector. The company offers core products and services including interest-free payment plans such as Pay in 4 and Pay in 30 Days; longer-term financing options with fair financing products available at over 150,000 merchants; the Klarna Card, a physical and virtual debit card with FDIC-insured funds integration and pay later capabilities now active with 3.2 million global users; one-time payments and express checkout solutions; cashback rewards through Klarna Balance; on-site messaging and merchant tools for conversion optimization; and emerging offerings like the KlarnaUSD stablecoin for international payments and high-yield savings accounts. Klarna serves over 114 million active users across more than 26 countries, including primary markets in the United States, United Kingdom, Germany, Sweden, and others in Europe, with partnerships enabling 3.4 million daily transactions and acceptance at major brands via integrations with Stripe, Apple Pay, Clover, and Lufthansa Group. Recent developments include its September 2025 initial public offering on the New York Stock Exchange, raising $1.37 billion at a $17 billion valuation; a multi-year forward flow agreement with Nelnet for up to $26 billion in U.S. Pay in 4 loans; piloting of an enhanced Klarna debit card program in the U.S. ahead of European rollout; expansion of fair financing with 38% merchant growth and 139% year-over-year product increase; record Q3 2025 revenue of $903 million with over 30% Q4 growth guidance; and new integrations like Apple Pay in Denmark and Spain plus a partnership with Poshmark.

Company News

APIChatGPT
  • Apple teams up with Klarna to launch a lease-to-own program for iPhones, iPads, and Macs

  • Baader Bank Aktiengesellschaft Purchases New Shares in Klarna Group plc $KLAR

  • Amova Asset Management Americas Inc. Purchases 438,930 Shares of Klarna Group plc $KLAR

  • Klarna Continues to Drive Capital Efficiency With $518 Million Securitization to Support $12 Billion of Lending

  • Klarna Proves Their Successful Fintech Acquisition Model - Value Thesis Still Compelling

  • 3 Best Earnings Acceleration Stocks to Buy for 2H 2026

  • Klarna Aims to Offload $516 Million in Credit Risk to Fund Growth

  • Klarna: Priced As BNPL, Should Trade As A Neobank

  • Klarna to Publish Q2 2026 Earnings on August 18, 2026

  • Klarna Adds Germany to Its Capital Efficiency Platform With €900m Facility Supporting €5bn of German Financing Expansion

  • Klarna Adds Germany to Its Capital Efficiency Platform With €900m Facility Supporting €5bn of German Financing Expansion

  • Flix and Klarna Expand Partnership to Give Millions of Travelers Across the U.S. and Europe More Ways to Pay

  • Flix and Klarna Expand Partnership to Give Millions of Travelers Across the U.S. and Europe More Ways to Pay

  • Klarna wants to become a bank. Here's what that could mean for millions of customers

  • Top Mobile Payments Stocks to Buy as Cashless Commerce Accelerates

  • Klarna lands Southwest Airlines, bringing flexible payments to millions of US travelers this fall

  • Klarna's Charter Bid Tests the FinTech Banking Model

  • Klarna Seeks Green Light to Become a US-Chartered Bank

  • Klarna seeks U.S. bank charter in latest push beyond buy now, pay later

  • Klarna Submits Application for U.S. Banking License