Klarna Group plc KLAR FINANCIAL
Company Overview
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.
Why Investors Should Care
Revenue has grown at a 22.6% CAGR over the past five years.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $3.51B (+24.9% YoY); net profit $-294.00M.
- Trailing 12 Months Year-on-year growth — revenue +26.6%, earnings -3366.7%.
- 5-Year Trend Long-term compounding — revenue CAGR 22.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 22.62% |
| 1 Year: | 26.60% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | -3,366.67% |
Stock Price Performance
| 1 Year: | -66.64% |
| 6 Months: | -1.25% |
| 3 Months: | -13.84% |
| 1 Month: | -28.34% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)34.81 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 22.6% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 68.7% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | KLAR Klarna Group plc FINANCIAL | 14.26 | -27.42 | $5.41B | 0.00% | 10.40% | -4.29% | 22.62% | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 701.00M | 823.00M | 903.00M | 1.08B | 1.01B |
| Cost of Revenue | - | 164.00M | 361.00M | 208.00M | 1.04B | 266.00M |
| Gross Profit | - | 537.00M | 462.00M | 695.00M | 39.00M | 746.00M |
| Operating Expenses | - | 497.00M | 361.00M | 598.00M | -161.00M | 558.00M |
| Operating Income | - | 40.00M | 101.00M | 97.00M | 200.00M | 188.00M |
| EBITDA | - | 52.00M | 152.00M | 96.00M | 268.00M | 187.00M |
| Interest Expense | - | 118.00M | 147.00M | 158.00M | 262.00M | 155.00M |
| Pretax Income | - | -92.00M | -46.00M | -87.00M | -17.00M | 15.00M |
| Tax Provision | - | 7.00M | 7.00M | 8.00M | 10.00M | 14.00M |
| Net Income | - | -101.00M | -52.00M | -95.00M | -47.00M | -5.00M |
| Diluted EPS | - | -0.27 | -0.14 | -0.25 | - | -0.01 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Revenue | 1.90B | 2.28B | 2.81B | 3.51B |
| Cost of Revenue | 1.07B | 894.00M | 1.09B | 1.60B |
| Gross Profit | 834.00M | 1.38B | 1.72B | 1.91B |
| Operating Expenses | 1.67B | 1.41B | 1.34B | 1.47B |
| Operating Income | -833.00M | -26.00M | 382.00M | 439.00M |
| EBITDA | -729.00M | 220.00M | 725.00M | 551.00M |
| Interest Expense | 147.00M | 297.00M | 503.00M | 667.00M |
| Pretax Income | -1.04B | -304.00M | 33.00M | -241.00M |
| Tax Provision | -3.00M | -60.00M | 12.00M | 32.00M |
| Net Income | -1.03B | -244.00M | 9.00M | -294.00M |
| Diluted EPS | -2.75 | -0.66 | 0.01 | -0.79 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Total Assets | 13.75B | 13.80B | 18.80B |
| Current Assets | 11.43B | 12.14B | 15.92B |
| Cash & Equivalents | 2.39B | 3.24B | 3.80B |
| Inventory | - | - | - |
| Receivables | 699.00M | 479.00M | 520.00M |
| Total Liabilities | 11.55B | 11.55B | 16.11B |
| Current Liabilities | 10.12B | 10.86B | 14.58B |
| Long Term Debt | 86.00M | 439.00M | 1.26B |
| Total Debt | 472.00M | 545.00M | 1.43B |
| Total Equity | 2.19B | 2.09B | 2.51B |
| Shares Outstanding | 377.26M | 377.26M | 377.51M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Operating Cash Flow | 336.00M | 808.00M | 587.00M | -1.03B |
| Investing Cash Flow | -459.00M | -83.00M | 154.00M | -30.00M |
| Financing Cash Flow | 18.00M | -62.00M | 312.00M | 988.00M |
| Capital Expenditure | -105.00M | -85.00M | -45.00M | -30.00M |
| Free Cash Flow | 231.00M | 723.00M | 542.00M | -1.06B |
| Net Change in Cash | -105.00M | 663.00M | 1.05B | -74.00M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Gross Margin % | 43.8% | 60.7% | 61.2% | 54.3% |
| Operating Margin % | -43.8% | -1.1% | 13.6% | 12.5% |
| Net Margin % | -54.3% | -10.7% | 0.3% | -8.4% |
| ROE % | - | -11.1% | 0.4% | -11.7% |
| ROCE % | - | -0.7% | 13.0% | 10.4% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Sc Us (ttgp), Ltd. | 14.58% | 55.03M | $759.40M |
| 2 | Commonwealth Bank of Australia | 4.61% | 17.41M | $240.22M |
| 3 | Softbank Group Corporation | 4.08% | 15.40M | $212.52M |
| 4 | Silver Lake Group, LLC | 3.83% | 14.47M | $199.69M |
| 5 | Blackrock Inc. | 1.51% | 5.70M | $78.64M |
| 6 | SCGE Management, LP | 1.40% | 5.27M | $72.68M |
| 7 | Harbourvest Partners, LLC | 1.33% | 5.02M | $69.32M |
| 8 | Marshall Wace LLP | 1.32% | 4.97M | $68.52M |
| 9 | Pictet Asset Management Holding SA | 1.31% | 4.96M | $68.48M |
| 10 | Dragoneer Investment Group, LLC | 1.29% | 4.86M | $67.01M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for KLAR
KLAR Stock Rebounds After Earnings Shock: Analysts Split, Retail Believes Dead Cat Bounce Likely Next - Stocktwits
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Klarna (KLAR) Posted a $9 Million Quarterly Profit. Why Did Its Stock Crash 23%? - finance.yahoo.com
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3 CEOs Are Buying Millions of Dollars of Their Beaten-Down Stocks - marketbeat.com
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$KLAR stock is up 2% today. Here's what we see in our data. - Quiver Quantitative
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KLAR Stock Climbs After Apple Reportedly Picks Klarna To Power Its New Device Leasing Service - TradingView
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Klarna (KLAR) Stock Slips As Profit Returns But Guidance Softens - simplywall.st
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KLAR — Frequently Asked Questions
What is the current share price of Klarna Group plc (KLAR)?
As of 2026-09-19 21:16 PDT, Klarna Group plc (KLAR) trades at $14.26 on NYSE. Its 52-week range is $12.27 to $45.48.
What is the market capitalisation of KLAR?
Klarna Group plc (KLAR) has a market capitalisation of $5.41B on NYSE.
What is the P/E ratio of KLAR?
KLAR trades at a trailing price-to-earnings (P/E) ratio of -27.42. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 2.14.
What is the return on equity (ROE) of KLAR?
KLAR has a return on equity (ROE) of -4.29%. Its return on capital employed (ROCE) is 10.40%.
Is KLAR a good stock to buy?
This page provides a data-driven analysis of Klarna Group plc (KLAR), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.