Symbols / KLAR Stock $13.95 -0.85% Klarna Group plc

Technology • Software - Infrastructure • United Kingdom • NYQ
KLAR (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Technology
Industry Software - Infrastructure
CEO Mr. Sebastian Marcin Siemiatkowski
Exch · Country NYQ · United Kingdom
Market Cap 5.27B
Enterprise Value 1.71B
Income -294.00M
Sales 3.51B
FCF (ttm) -2.86B
Book/sh 6.64
Cash/sh 13.69
Employees 2,831
Insider 10d —
IPO Sep 11, 2025
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E —
Forward P/E 14.10
PEG 0.10
P/S 1.50
P/B 2.10
P/C —
EV/EBITDA 3.58
EV/Sales 0.49
Quick Ratio 23.78
Current Ratio 23.90
Debt/Eq 53.61
LT Debt/Eq —
EPS (ttm) -0.79
EPS next Y 0.99
EPS Growth —
Revenue Growth 38.40%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-05-19
Earnings (prior) 2025-11-18
ROA 1.77%
ROE -11.05%
ROIC —
Gross Margin 48.42%
Oper. Margin 20.52%
Profit Margin -8.38%
Shs Outstand 377.51M
Shs Float 195.25M
Insider Own 21.87%
Instit Own 50.98%
Short Float 10.63%
Short Ratio 5.04
Short Interest 29.25M
52W High 47.48
vs 52W High -70.62%
52W Low 12.06
vs 52W Low 15.67%
Beta —
Impl. Vol. 70.51%
Rel Volume 0.36
Avg Volume 6.70M
Volume 2.39M
Target (mean) $22.67
Tgt Median $20.00
Tgt Low $14.00
Tgt High $45.00
# Analysts 18
Recom Buy
Prev Close $14.07
Price $13.95
Change -0.85%
About

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 provides 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 ranges from three to 48 months. It also offers 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. Additionally, the company provides 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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$22.67
Mean price target
2. Current target
$13.95
Latest analyst target
3. DCF / Fair value
$-136.20
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$13.95
Low
$14.00
High
$45.00
Mean
$22.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-22 init BMO Capital — → Market Perform $16
2026-02-20 main JP Morgan Overweight → Overweight $20
2026-02-20 main UBS Buy → Buy $20
2026-02-20 main Wells Fargo Overweight → Overweight $32
2026-02-20 main Keefe, Bruyette & Woods Outperform → Outperform $26
2026-02-18 main Morgan Stanley Equal-Weight → Equal-Weight $23
2026-01-02 main Keefe, Bruyette & Woods Outperform → Outperform $45
2025-11-20 main UBS Buy → Buy $46
2025-11-20 main Citigroup Buy → Buy $45
2025-11-19 main JP Morgan Overweight → Overweight $45
2025-11-19 main Wolfe Research Outperform → Outperform $45
2025-11-19 main Morgan Stanley Equal-Weight → Equal-Weight $39
2025-11-18 main B of A Securities Buy → Buy $46
2025-10-22 init Wells Fargo — → Overweight $45
2025-10-06 init Wedbush — → Outperform $50
2025-10-06 init UBS — → Buy $48
2025-10-06 init Morgan Stanley — → Equal-Weight $43
2025-10-06 init Citigroup — → Buy $58
2025-10-06 init Keefe, Bruyette & Woods — → Outperform $52
2025-10-06 init Goldman Sachs — → Buy $55
News
RSS: Latest KLAR news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
3,510.00
+24.87%
2,811.00
+23.51%
2,276.00
+19.54%
1,904.00
Operating Revenue
3,510.00
+24.87%
2,811.00
+23.51%
2,276.00
+19.54%
1,904.00
Cost Of Revenue
2,270.00
+42.41%
1,594.00
+33.84%
1,191.00
-2.14%
1,217.00
Reconciled Cost Of Revenue
2,200.00
+47.95%
1,487.00
+36.17%
1,092.00
-5.37%
1,154.00
Gross Profit
1,240.00
+1.89%
1,217.00
+12.17%
1,085.00
+57.93%
687.00
Operating Expense
1,468.00
+9.72%
1,338.00
-4.97%
1,408.00
-15.54%
1,667.00
Research And Development
486.00
+9.46%
444.00
+14.14%
389.00
-9.53%
430.00
Selling General And Administration
720.00
+18.23%
609.00
-6.45%
651.00
-23.50%
851.00
Selling And Marketing Expense
414.00
+26.22%
328.00
-13.91%
381.00
-28.25%
531.00
General And Administrative Expense
306.00
+8.90%
281.00
+4.07%
270.00
-15.63%
320.00
Other Gand A
306.00
+8.90%
281.00
+4.07%
270.00
-15.63%
320.00
Other Operating Expenses
207.00
+1.97%
203.00
-15.42%
240.00
-16.38%
287.00
Total Expenses
3,738.00
+27.49%
2,932.00
+12.81%
2,599.00
-9.88%
2,884.00
Operating Income
-228.00
-88.43%
-121.00
+62.54%
-323.00
+67.04%
-980.00
Total Operating Income As Reported
-230.00
-90.08%
-121.00
+62.54%
-323.00
+67.04%
-980.00
EBITDA
-103.00
-251.47%
68.00
+170.83%
-96.00
+88.26%
-818.00
Normalized EBITDA
-103.00
-251.47%
68.00
+170.83%
-96.00
+88.26%
-818.00
Reconciled Depreciation
125.00
-33.86%
189.00
-16.74%
227.00
+40.12%
162.00
EBIT
-228.00
-88.43%
-121.00
+62.54%
-323.00
+67.04%
-980.00
Net Income
-294.00
-3366.67%
9.00
+103.69%
-244.00
+76.40%
-1,034.00
Pretax Income
-241.00
-830.30%
33.00
+110.86%
-304.00
+70.71%
-1,038.00
Net Non Operating Interest Income Expense
—
-359.00
-61.71%
-222.00
-69.47%
-131.00
Interest Expense Non Operating
—
461.00
+83.67%
251.00
+158.76%
97.00
Net Interest Income
—
-359.00
-61.71%
-222.00
-69.47%
-131.00
Interest Expense
—
461.00
+83.67%
251.00
+158.76%
97.00
Interest Income Non Operating
—
144.00
+92.00%
75.00
+368.75%
16.00
Interest Income
—
144.00
+92.00%
75.00
+368.75%
16.00
Other Income Expense
-11.00
-107.14%
154.00
+710.53%
19.00
+132.76%
-58.00
Other Non Operating Income Expenses
-11.00
-107.14%
154.00
+710.53%
19.00
+132.76%
-58.00
Tax Provision
32.00
+166.67%
12.00
+120.00%
-60.00
-1900.00%
-3.00
Tax Rate For Calcs
0.00
-42.78%
0.00
+86.29%
0.00
+6466.67%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
-273.00
-1400.00%
21.00
+108.61%
-244.00
+76.43%
-1,035.00
Net Income From Continuing Operation Net Minority Interest
-294.00
-3366.67%
9.00
+103.69%
-244.00
+76.40%
-1,034.00
Net Income From Continuing And Discontinued Operation
-294.00
-3366.67%
9.00
+103.69%
-244.00
+76.40%
-1,034.00
Net Income Continuous Operations
-273.00
-1400.00%
21.00
+108.61%
-244.00
+76.43%
-1,035.00
Minority Interests
-21.00
-75.00%
-12.00
0.00
-100.00%
1.00
Normalized Income
-294.00
-3366.67%
9.00
+103.69%
-244.00
+76.40%
-1,034.00
Net Income Common Stockholders
-294.00
-9900.00%
3.00
+101.20%
-249.00
+76.01%
-1,038.00
Otherunder Preferred Stock Dividend
0.00
-100.00%
6.00
+20.00%
5.00
+25.00%
4.00
Diluted EPS
-0.79
-10034.61%
0.01
+101.20%
-0.66
+76.01%
-2.75
Basic EPS
-0.79
-10034.61%
0.01
+101.20%
-0.66
+76.01%
-2.75
Basic Average Shares
370.65
-1.75%
377.26
+0.00%
377.26
+0.00%
377.26
Diluted Average Shares
370.65
-1.75%
377.26
+0.00%
377.26
+0.00%
377.26
Diluted NI Availto Com Stockholders
-294.00
-9900.00%
3.00
+101.20%
-249.00
+76.01%
-1,038.00
Depreciation Amortization Depletion Income Statement
55.00
-32.93%
82.00
-35.94%
128.00
+29.29%
99.00
Depreciation And Amortization In Income Statement
55.00
-32.93%
82.00
-35.94%
128.00
+29.29%
99.00
Depreciation Income Statement
—
82.00
-35.94%
128.00
+29.29%
99.00
Provision For Doubtful Accounts
—
495.00
+40.23%
353.00
-35.82%
550.00
Total Other Finance Cost
—
42.00
-8.70%
46.00
-8.00%
50.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
18,797.00
+36.17%
13,804.00
+0.41%
13,748.00
Current Assets
15,924.00
+31.13%
12,144.00
+6.22%
11,433.00
Cash Cash Equivalents And Short Term Investments
4,589.00
+41.42%
3,245.00
+35.72%
2,391.00
Cash And Cash Equivalents
3,803.00
+17.27%
3,243.00
+35.63%
2,391.00
Cash Equivalents
1,225.00
+57.66%
777.00
+251.58%
221.00
Cash Financial
2,578.00
+4.54%
2,466.00
+13.64%
2,170.00
Other Short Term Investments
786.00
+39200.00%
2.00
—
Receivables
11,272.00
+28.06%
8,802.00
-2.17%
8,997.00
Accounts Receivable
520.00
+8.56%
479.00
-31.47%
699.00
Gross Accounts Receivable
546.00
+10.08%
496.00
-32.43%
734.00
Allowance For Doubtful Accounts Receivable
-26.00
-52.94%
-17.00
+51.43%
-35.00
Other Receivables
214.00
+84.48%
116.00
-6.45%
124.00
Taxes Receivable
59.00
+1.72%
58.00
-13.43%
67.00
Loans Receivable
10,479.00
+28.59%
8,149.00
+0.52%
8,107.00
Prepaid Assets
49.00
+75.00%
28.00
+7.69%
26.00
Restricted Cash
14.00
-79.71%
69.00
+263.16%
19.00
Total Non Current Assets
2,873.00
+73.07%
1,660.00
-29.36%
2,350.00
Net PPE
60.00
-29.41%
85.00
-30.33%
122.00
Gross PPE
276.00
+13.58%
243.00
-19.00%
300.00
Accumulated Depreciation
-216.00
-36.71%
-158.00
+11.24%
-178.00
Properties
0.00
0.00
0.00
Other Properties
262.00
+13.42%
231.00
-19.23%
286.00
Leases
14.00
+16.67%
12.00
-14.29%
14.00
Goodwill And Other Intangible Assets
1,068.00
+7.99%
989.00
-17.58%
1,200.00
Goodwill
685.00
+11.75%
613.00
-8.10%
667.00
Other Intangible Assets
383.00
+1.86%
376.00
-29.46%
533.00
Investments And Advances
1,533.00
+220.71%
478.00
-42.62%
833.00
Long Term Equity Investment
15.00
-37.50%
24.00
-29.41%
34.00
Non Current Deferred Assets
36.00
+9.09%
33.00
+32.00%
25.00
Non Current Deferred Taxes Assets
36.00
+9.09%
33.00
+32.00%
25.00
Other Non Current Assets
155.00
+138.46%
65.00
-41.96%
112.00
Total Liabilities Net Minority Interest
16,113.00
+39.54%
11,547.00
-0.03%
11,551.00
Current Liabilities
14,576.00
+34.20%
10,861.00
+7.28%
10,124.00
Payables And Accrued Expenses
1,463.00
+11.25%
1,315.00
-11.09%
1,479.00
Payables
1,463.00
+11.25%
1,315.00
-11.09%
1,479.00
Accounts Payable
1,391.00
+9.70%
1,268.00
-12.73%
1,453.00
Other Payable
44.00
+193.33%
15.00
—
Total Tax Payable
28.00
-12.50%
32.00
+23.08%
26.00
Current Debt And Capital Lease Obligation
110.00
+205.56%
36.00
-87.23%
282.00
Current Debt
84.00
+546.15%
13.00
-94.84%
252.00
Other Current Borrowings
—
234.00
-7.14%
252.00
Current Capital Lease Obligation
26.00
+13.04%
23.00
-23.33%
30.00
Current Deferred Liabilities
13,003.00
+36.73%
9,510.00
+13.72%
8,363.00
Current Deferred Revenue
13,003.00
+36.73%
9,510.00
+13.72%
8,363.00
Total Non Current Liabilities Net Minority Interest
1,537.00
+124.05%
686.00
-51.93%
1,427.00
Long Term Debt And Capital Lease Obligation
1,316.00
+158.55%
509.00
+167.89%
190.00
Long Term Debt
1,262.00
+187.47%
439.00
+410.47%
86.00
Long Term Capital Lease Obligation
54.00
-22.86%
70.00
-32.69%
104.00
Long Term Provisions
13.00
+116.67%
6.00
-53.85%
13.00
Non Current Deferred Liabilities
2.00
+100.00%
1.00
-99.93%
1,412.00
Non Current Deferred Revenue
—
2,109.00
+49.47%
1,411.00
Non Current Deferred Taxes Liabilities
2.00
+100.00%
1.00
+0.00%
1.00
Other Non Current Liabilities
193.00
+77.06%
109.00
+157.98%
-188.00
Stockholders Equity
2,507.00
+20.18%
2,086.00
-4.84%
2,192.00
Common Stock Equity
2,507.00
+20.18%
2,086.00
-4.84%
2,192.00
Capital Stock
0.00
0.00
0.00
Common Stock
0.00
0.00
0.00
Share Issued
377.51
+0.07%
377.26
+0.00%
377.26
Ordinary Shares Number
377.51
+0.07%
377.26
+0.00%
377.26
Additional Paid In Capital
427.00
-90.81%
4,646.00
+0.45%
4,625.00
Retained Earnings
2,170.00
+204.28%
-2,081.00
+3.61%
-2,159.00
Gains Losses Not Affecting Retained Earnings
-90.00
+81.21%
-479.00
-54.02%
-311.00
Minority Interest
177.00
+3.51%
171.00
+3320.00%
5.00
Total Equity Gross Minority Interest
2,684.00
+18.92%
2,257.00
+2.73%
2,197.00
Total Capitalization
3,769.00
+49.27%
2,525.00
+10.84%
2,278.00
Working Capital
1,348.00
+5.07%
1,283.00
-1.99%
1,309.00
Invested Capital
3,853.00
+51.81%
2,538.00
+0.32%
2,530.00
Total Debt
1,426.00
+161.65%
545.00
+15.47%
472.00
Capital Lease Obligations
80.00
-13.98%
93.00
-30.60%
134.00
Net Tangible Assets
1,439.00
+31.18%
1,097.00
+10.58%
992.00
Tangible Book Value
1,439.00
+31.18%
1,097.00
+10.58%
992.00
Commercial Paper
84.00
+546.15%
13.00
—
Derivative Product Liabilities
13.00
-78.69%
61.00
—
Financial Assets
21.00
+110.00%
10.00
-82.76%
58.00
Held To Maturity Securities
1,518.00
+234.36%
454.00
-43.18%
799.00
Investmentin Financial Assets
1,518.00
+234.36%
454.00
-43.18%
799.00
Non Current Note Receivables
—
1,298.00
—
Other Equity Interest
—
—
37.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-1,032.00
-275.81%
587.00
-27.35%
808.00
+140.48%
336.00
Cash Flow From Continuing Operating Activities
-1,032.00
-275.81%
587.00
-27.35%
808.00
+140.48%
336.00
Net Income From Continuing Operations
-241.00
-830.30%
33.00
+110.86%
-304.00
+70.71%
-1,038.00
Depreciation Amortization Depletion
125.00
-33.86%
189.00
-16.74%
227.00
+40.12%
162.00
Depreciation
125.00
-33.86%
189.00
-16.74%
227.00
+40.12%
162.00
Depreciation And Amortization
125.00
-33.86%
189.00
-16.74%
227.00
+40.12%
162.00
Stock Based Compensation
157.00
+70.65%
92.00
+113.95%
43.00
-23.21%
56.00
Provisionand Write Offof Assets
794.00
+18.15%
672.00
+32.54%
507.00
-30.07%
725.00
Operating Gains Losses
75.00
+116.13%
-465.00
-112.33%
-219.00
-465.00%
60.00
Gain Loss On Investment Securities
75.00
+126.60%
-282.00
-28.77%
-219.00
-465.00%
60.00
Net Foreign Currency Exchange Gain Loss
—
-18.00
—
—
Change In Working Capital
-2,486.00
-1406.67%
-165.00
-144.96%
367.00
+317.05%
88.00
Change In Receivables
-3,610.00
-206.45%
-1,178.00
+31.67%
-1,724.00
+2.05%
-1,760.00
Changes In Account Receivables
-823.00
-522.05%
195.00
+213.37%
-172.00
-107.23%
-83.00
Change In Other Working Capital
2,008.00
+170.26%
743.00
-60.29%
1,871.00
+12.24%
1,667.00
Change In Other Current Liabilities
-884.00
-427.41%
270.00
+22.73%
220.00
+21.55%
181.00
Investing Cash Flow
-30.00
-119.48%
154.00
+285.54%
-83.00
+81.92%
-459.00
Cash Flow From Continuing Investing Activities
-30.00
-119.48%
154.00
+283.33%
-84.00
+81.70%
-459.00
Net PPE Purchase And Sale
-3.00
-200.00%
-1.00
0.00
+100.00%
-11.00
Purchase Of PPE
-3.00
-200.00%
-1.00
+0.00%
-1.00
+90.91%
-11.00
Sale Of PPE
0.00
0.00
-100.00%
1.00
0.00
Capital Expenditure
-30.00
+33.33%
-45.00
+47.06%
-85.00
+19.05%
-105.00
Net Business Purchase And Sale
0.00
-100.00%
199.00
0.00
+100.00%
-354.00
Purchase Of Business
—
0.00
0.00
+100.00%
-354.00
Gain Loss On Sale Of Business
0.00
+100.00%
-183.00
0.00
0.00
Net Intangibles Purchase And Sale
-27.00
+38.64%
-44.00
+47.62%
-84.00
+10.64%
-94.00
Purchase Of Intangibles
-27.00
+38.64%
-44.00
+47.62%
-84.00
+10.64%
-94.00
Net Other Investing Changes
—
—
1.00
—
Financing Cash Flow
988.00
+216.67%
312.00
+603.23%
-62.00
-444.44%
18.00
Cash Flow From Continuing Financing Activities
988.00
+216.67%
312.00
+603.23%
-62.00
-444.44%
18.00
Net Issuance Payments Of Debt
797.00
+368.82%
170.00
+317.95%
-78.00
+90.03%
-782.00
Issuance Of Debt
903.00
+148.08%
364.00
+103.35%
179.00
-49.44%
354.00
Repayment Of Debt
-106.00
+45.36%
-194.00
+24.51%
-257.00
+77.38%
-1,136.00
Long Term Debt Issuance
903.00
+148.08%
364.00
+103.35%
179.00
-49.44%
354.00
Long Term Debt Payments
-106.00
+45.36%
-194.00
+24.51%
-257.00
+77.38%
-1,136.00
Net Long Term Debt Issuance
797.00
+368.82%
170.00
+317.95%
-78.00
+90.03%
-782.00
Net Common Stock Issuance
191.00
0.00
-100.00%
39.00
-95.12%
799.00
Proceeds From Stock Option Exercised
0.00
0.00
-100.00%
1.00
-50.00%
2.00
Net Other Financing Charges
—
142.00
+691.67%
-24.00
-2300.00%
-1.00
Changes In Cash
-74.00
-107.03%
1,053.00
+58.82%
663.00
+731.43%
-105.00
Effect Of Exchange Rate Changes
634.00
+415.42%
-201.00
-691.18%
34.00
+112.50%
-272.00
Beginning Cash Position
3,243.00
+35.63%
2,391.00
+41.15%
1,694.00
-18.20%
2,071.00
End Cash Position
3,803.00
+17.27%
3,243.00
+35.63%
2,391.00
+41.15%
1,694.00
Free Cash Flow
-1,062.00
-295.94%
542.00
-25.03%
723.00
+212.99%
231.00
Common Stock Issuance
191.00
0.00
-100.00%
39.00
-95.12%
799.00
Interest Paid CFO
-425.00
-36.22%
-312.00
-45.79%
-214.00
-164.20%
-81.00
Interest Received CFO
1,022.00
+83.15%
558.00
+35.44%
412.00
+7.01%
385.00
Issuance Of Capital Stock
191.00
0.00
-100.00%
39.00
-95.12%
799.00
Sale Of Business
0.00
-100.00%
199.00
0.00
0.00
Taxes Refund Paid
-53.00
-253.33%
-15.00
-36.36%
-11.00
+47.62%
-21.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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