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Klarna Group plc logo

Klarna Group plc

KLAR

NYSEFinancial ServicesFinancial - Credit Services

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Previous close

$14.33

+$0.33 · +2.36%

Aug 21, 4:00 PM ET

KLAR company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Sell

Trim exposure — unfavorable risk-reward

Valuation

47

Fair Value

Momentum

42

Neutral

Sentiment

57

Mixed

Risk resilience

28

High Risk

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AI-generated, informational only, and not investment advice.

Company profile

Company website

Klarna Group plc operates as a technology-driven payments provider, extending its services across the United Kingdom, United States, Germany, Sweden, and globally. The company offers a wide array of solutions, including advertising and marketing, various consumer-centric provisions, advanced digital financial products, and assistance with personal shopping and money management. Furthermore, Klarna delivers digital retail banking services, encompassing fixed-term deposits, savings accounts, and traditional bank accounts, alongside digital loyalty programs, comprehensive support for both customers and merchants, and tools for organizing personal finances. Previously known as Klarna UK II plc, the company officially adopted the name Klarna Group plc in December 2023. Established in 2005, its main operational base is located in London, United Kingdom.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
GB
CEO
Sebastian Marcin Siemiatkowski
Listed since
Sep 10, 2025
Employees
2,831

Market position

Day range

Current $14.33

52-week range

Current $14.33

Open
$14.14
Previous close
$14.00
Volume
7.04M
1.24× average
Average volume
5.68M
Average daily volume
Market cap
5.41B USD
Beta
1.94
Market reference 1
50-day average
$18.7084
-23.40% below average
200-day average
$20.7716
-31.01% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
8.38B USD
P/E (TTM)
-37.4×
P/B (TTM)
5.28×
P/S (TTM)
1.34×
EV / EBITDA
15.21×
Earnings yield
-2.73%
Free cash flow yield
-9.62%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
61.80%
Operating margin
3.00%
Net margin
-3.42%
Return on equity
-11.73%
Return on assets
-1.56%
Return on invested capital
10.14%

Financial health

Debt / equity
0.69×
Current ratio
1.07×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends91%38%-15%-68%Gross margin, FY2021: 63.20%Gross margin, FY2022: 72.46%Gross margin, FY2023: 75.42%Gross margin, FY2024: 77.65%Gross margin, FY2025: 54.33%Operating margin, FY2021: -45.03%Operating margin, FY2022: -51.91%Operating margin, FY2023: -14.68%Operating margin, FY2024: -4.54%Operating margin, FY2025: 12.51%Net margin, FY2021: -47.91%Net margin, FY2022: -54.98%Net margin, FY2023: -11.31%Net margin, FY2024: 0.11%Net margin, FY2025: -8.38%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 63.20%. Gross margin FY2022 72.46%. Gross margin FY2023 75.42%. Gross margin FY2024 77.65%. Gross margin FY2025 54.33%. Operating margin FY2021 -45.03%. Operating margin FY2022 -51.91%. Operating margin FY2023 -14.68%. Operating margin FY2024 -4.54%. Operating margin FY2025 12.51%. Net margin FY2021 -47.91%. Net margin FY2022 -54.98%. Net margin FY2023 -11.31%. Net margin FY2024 0.11%. Net margin FY2025 -8.38%.

Income trends

Revenue

3.51B USD+31.61%

Operating income

439M USD+560M USD

Net income

−294M USD−297M USD
Income trends across reported periods3.96B USD2.15B USD326.4M USD−1.49B USDRevenue, FY2021: 1.62B USDRevenue, FY2022: 1.89B USDRevenue, FY2023: 2.2B USDRevenue, FY2024: 2.67B USDRevenue, FY2025: 3.51B USDOperating income, FY2021: −729.06M USDOperating income, FY2022: −980M USDOperating income, FY2023: −323M USDOperating income, FY2024: −121M USDOperating income, FY2025: 439M USDNet income, FY2021: −775.71M USDNet income, FY2022: −1.04B USDNet income, FY2023: −249M USDNet income, FY2024: 3M USDNet income, FY2025: −294M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.62B USD. Revenue FY2022 1.89B USD. Revenue FY2023 2.2B USD. Revenue FY2024 2.67B USD. Revenue FY2025 3.51B USD. Operating income FY2021 −729.06M USD. Operating income FY2022 −980M USD. Operating income FY2023 −323M USD. Operating income FY2024 −121M USD. Operating income FY2025 439M USD. Net income FY2021 −775.71M USD. Net income FY2022 −1.04B USD. Net income FY2023 −249M USD. Net income FY2024 3M USD. Net income FY2025 −294M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue3.51B USD2.67B USD2.2B USD1.89B USD1.62B USD
Cost of goods sold1.6B USD596M USD541M USD520M USD595.74M USD
Gross profit1.91B USD2.07B USD1.66B USD1.37B USD1.02B USD
Research and development486M USD444M USD389M USD430M USD—
Selling, general, and administrative720M USD609M USD651M USD851M USD1.67B USD
Operating expenses1.47B USD2.19B USD1.98B USD2.35B USD1.75B USD
Interest income—144M USD75M USD16M USD−73.62M USD
Interest expense667M USD503M USD297M USD147M USD—
Depreciation and amortization125M USD189M USD227M USD162M USD54.39M USD
Operating income439M USD−121M USD−323M USD−980M USD−729.06M USD
Net income−294M USD3M USD−249M USD−1.04B USD−775.71M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
80%
4 beats, 1 miss, 0 met estimates
Average EPS surprise
-8.86%
5 comparable reports
Latest EPS result
0.01
Estimate -0.05 · Beat by 118.92%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.05-0.06-0.18-0.29Q3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q3 2025, reported Aug 15, 2025: actual -0.14, estimate -0.242, surprise +42.06%, Beat. Q4 2025, reported Nov 19, 2025: actual -0.25, estimate -0.25, surprise +0.15%, Beat. Q1 2026, reported Feb 19, 2026: actual -0.12, estimate -0.03, surprise -300.00%, Miss. Q2 2026, reported May 14, 2026: actual -0.01, estimate -0.184, surprise +94.57%, Beat. Q3 2026, reported Aug 18, 2026: actual 0.01, estimate -0.053, surprise +118.92%, Beat. Q4 2026, reported Nov 17, 2026: actual —, estimate -0.13, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates1.13B1.01B894.91M779.72MQ3 '25MissQ4 '25BeatQ1 '26MetQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q3 2025, reported Aug 15, 2025: actual 823M USD, estimate 888.26M USD, surprise -7.35%, Miss. Q4 2025, reported Nov 19, 2025: actual 903M USD, estimate 888.26M USD, surprise +1.66%, Beat. Q1 2026, reported Feb 19, 2026: actual 1.08B USD, estimate 1.08B USD, surprise 0.00%, Met estimate. Q2 2026, reported May 14, 2026: actual 1B USD, estimate 944.09M USD, surprise +5.92%, Beat. Q3 2026, reported Aug 18, 2026: actual 1.04B USD, estimate 996.53M USD, surprise +4.56%, Beat. Q4 2026, reported Nov 17, 2026: actual —, estimate 981.89M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$19.14

33.57% upside
Past 12 months12-month forecastHigh $27.00Average $19.14Low $15.00

Rating distribution

13 ratings
Strong buy00%
Buy862%
Hold538%
Sell00%
Strong sell00%

KLAR news

seekingalpha.com

Klarna Vs. Sezzle: Buy Now, Pay Later At A Materially Low Multiple

Sezzle is up nearly 90% this year, with Klarna down 50% in a price return divergence that reflects a gap in profitability between the two firms. SEZL will report an adjusted EPS of $5.25 per share for its full year 2026…

Read source
gurufocus.com

Klarna to Present at Upcoming Investor Conference

Klarna, the everyday finance network, today announced its participation in the following investor conference in September.Goldman Sachs Communacopia + Technolog

Read source
247wallst.com

Klarna Slides 5%, Affirm Slips 3%, but PayPal Stays in the Green: Is a Rotation in BNPL Stocks Afoot?

A sustained rotation toward established financial companies could leave Klarna and Affirm with more work to do before their stocks regain momentum.

Read source
zacks.com

Klarna Q2 Earnings Call Balances Softer GMV With Higher Margins

KLAR lifts its 2026 transaction margin dollar outlook despite lower GMV guidance as German spending stays soft and U.S. growth strengthens.

Read source
seekingalpha.com

Klarna Group plc (KLAR) Q2 2026 Earnings Call Transcript

Klarna Group plc (KLAR) Q2 2026 Earnings Call Transcript

Read source
247wallst.com

Cramer Warns Fintech Bulls: These Three Stocks Are Priced for Perfection

Jim Cramer used a recent CNBC Stop Trading segment to push back against what he sees as reflexive analyst enthusiasm for a narrow group of fintech names.

Read source

KLAR peers

Berkshire Hathaway Inc. logo

BRK-B

Berkshire Hathaway Inc.

$495.82

-0.21%

Berkshire Hathaway Inc. logo

BRK-A

Berkshire Hathaway Inc.

$743,500

-0.15%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$351.58

+0.01%

Visa Inc. logo

V

Visa Inc.

$371.04

+1.45%

Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding KLAR

Funds reporting this stock among their holdings, ordered by reported position size.

ARK Blockchain & Fintech Innovation ETF logoARK Blockchain & Fintech Innovation ETFARKF
Market value
9.59M
Weight
1.23%
AUM
700.8M USD
Expense ratio
0.75%
Price / 1D
$45.72+3.51%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
5.84M
Weight
0.00%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
Fidelity Crypto Industry and Digital Payments ETF logoFidelity Crypto Industry and Digital Payments ETFFDIG
Market value
3.34M
Weight
1.27%
AUM
247.55M USD
Expense ratio
0.39%
Price / 1D
$44.08+2.16%
iShares MSCI EAFE Small-Cap ETF logoiShares MSCI EAFE Small-Cap ETFSCZ
Market value
2.97M
Weight
0.02%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.60+0.70%
iShares U.S. Small-Cap Equity Factor ETF logoiShares U.S. Small-Cap Equity Factor ETFSMLF
Market value
2.51M
Weight
0.06%
AUM
4.3B USD
Expense ratio
0.15%
Price / 1D
$89.29+0.80%
Global X - FinTech ETF logoGlobal X - FinTech ETFFINX
Market value
1.63M
Weight
0.91%
AUM
178.05M USD
Expense ratio
0.68%
Price / 1D
$27.5531+2.75%
Renaissance IPO ETF logoRenaissance IPO ETFIPO
Market value
1.33M
Weight
0.88%
AUM
159.56M USD
Expense ratio
0.60%
Price / 1D
$54.36+0.72%
iShares Core MSCI Europe ETF logoiShares Core MSCI Europe ETFIEUR
Market value
515.03K
Weight
0.01%
AUM
9.47B USD
Expense ratio
0.10%
Price / 1D
$78.41+0.78%

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