Klarna Group plc (KLAR)

GB — Technology Sector
Peers: KSPI  RBRK  FFIV  SAIL  OKTA  GEN  ZBRA  DOCU  ENTG  AKAM 

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Key Metrics & Ratings

  • symbol KLAR
  • Rev/Share 8.0816
  • Book/Share 7.0509
  • PB 4.5579
  • Debt/Equity 1.071
  • CurrentRatio 0.9604
  • ROIC -0.0465

 

  • MktCap 11332741402.0
  • FreeCF/Share 4.3866
  • PFCF 6.9526
  • PE -43.7739
  • Debt/Assets 0.1262
  • DivYield 0
  • ROE -0.11

 

  • Rating C
  • Score 2
  • Recommendation Sell
  • P/E Score 1
  • DCF Score 4
  • P/B Score 2
  • D/E Score 1

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Initiation KLAR Wells Fargo -- Overweight -- $45 Oct. 22, 2025
Initiation KLAR Bernstein -- Market Perform -- $45 Oct. 6, 2025
Initiation KLAR BNP Paribas Exane -- Neutral -- $46 Oct. 6, 2025
Initiation KLAR Rothschild & Co Redburn -- Neutral -- $46 Oct. 6, 2025
Initiation KLAR Morgan Stanley -- Equal Weight -- $43 Oct. 6, 2025
Initiation KLAR JP Morgan -- Overweight -- $50 Oct. 6, 2025
Initiation KLAR Wolfe Research -- Outperform -- $50 Oct. 6, 2025
Initiation KLAR Keefe Bruyette -- Outperform -- $52 Oct. 6, 2025
Initiation KLAR BofA Securities -- Buy -- $51 Oct. 6, 2025
Initiation KLAR Goldman -- Buy -- $55 Oct. 6, 2025

News

In-Store Tap: Klarna Plants Its Flag in 14 European Markets
KLAR
Published: December 02, 2025 by: Zacks Investment Research
Sentiment: Positive

KLAR expands Tap to Pay across 14 European markets, building on the rapid global traction of the debit-first Klarna Card.

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image for news In-Store Tap: Klarna Plants Its Flag in 14 European Markets
Buy Now, Pay Later Companies Asked to Share Lending Practices
AFRM, KLAR, PYPL
Published: December 01, 2025 by: WSJ
Sentiment: Negative

Attorneys general from seven states are launching an inquiry into buy now, pay later lenders including Affirm, Klarna and PayPal.

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image for news Buy Now, Pay Later Companies Asked to Share Lending Practices
Klarna Set to Take off With Lufthansa Group, Bringing Flexible Payments to Travellers Across Europe and the U.S.
KLAR
Published: November 27, 2025 by: Business Wire
Sentiment: Neutral

STOCKHOLM--(BUSINESS WIRE)--Klarna, the global digital bank and flexible payments provider, today announces a new multi-market partnership with Lufthansa Group, Europe's leading airline group. The new agreement is facilitated by Klarna's integration with Adyen, the financial technology platform of choice for leading businesses. From November, Lufthansa Group customers will be able to choose Klarna's flexible payment options at checkout when booking travel experiences. This new integration gives.

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image for news Klarna Set to Take off With Lufthansa Group, Bringing Flexible Payments to Travellers Across Europe and the U.S.
BNPL is Not Enough, So Klarna Launches a Coin: KlarnaUSD Stablecoin
KLAR
Published: November 25, 2025 by: Zacks Investment Research
Sentiment: Neutral

KLAR's launch of its dollar-pegged KlarnaUSD stablecoin signals a bold push into crypto payments and lower-cost cross-border transactions.

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image for news BNPL is Not Enough, So Klarna Launches a Coin: KlarnaUSD Stablecoin
Klarna Group plc (KLAR) Q3 2025 Earnings Call Transcript
KLAR
Published: November 19, 2025 by: Seeking Alpha
Sentiment: Neutral

Klarna Group plc ( KLAR ) Q3 2025 Earnings Call November 18, 2025 8:30 AM EST Company Participants Andrea Ferraz Estrada Sebastian Siemiatkowski - Co-Founder, CEO & Director Niclas Neglen - CFO & Director Conference Call Participants James Faucette - Morgan Stanley, Research Division Jason Kupferberg - Wells Fargo Securities, LLC, Research Division Darrin Peller - Wolfe Research, LLC Mihir Bhatia - BofA Securities, Research Division Christopher Svensson - Deutsche Bank AG, Research Division Presentation Andrea Ferraz Estrada Good morning, everyone, and welcome to Klarna's Third Quarter 2025 Earnings Call. My name is Andrea Ferraz, Head of Investor Relations and …

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image for news Klarna Group plc (KLAR) Q3 2025 Earnings Call Transcript
Klarna beats third-quarter revenue estimates in first earnings report after IPO
KLAR
Published: November 18, 2025 by: Fast Company
Sentiment: Positive

Growth in U.S. markets helped Swedish fintech firm Klarna to achieve a 26% jump in third-quarter revenue, beating expectations in its first report as a public company and forecasting revenue above $1 billion in the current quarter, the company said on Tuesday.

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image for news Klarna beats third-quarter revenue estimates in first earnings report after IPO
Klarna now available on Apple Pay in Denmark, Spain, and Sweden with France to follow
KLAR
Published: November 18, 2025 by: Business Wire
Sentiment: Neutral

NEW YORK--(BUSINESS WIRE)--Klarna, the global digital bank and flexible payments provider, announced today that its flexible payment products are now available when checking out on Apple Pay in Denmark, Spain, Sweden. The launch brings even greater flexibility and transparency to Apple Pay customers in these countries, with Klarna available to eligible users checking out online and in-app with an iPhone or iPad, and in-store on an iPhone. The expansion builds on successful launches of this feat.

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image for news Klarna now available on Apple Pay in Denmark, Spain, and Sweden with France to follow
Klarna posts record quarterly revenue in first results since IPO, but credit provisions widen loss
KLAR
Published: November 18, 2025 by: Proactive Investors
Sentiment: Positive

Klarna Group PLC on Tuesday reported record third-quarter revenue in its first earnings release as a publicly traded company, driven by surging demand in the US and rapid adoption of its new Klarna Card, even as higher credit loss provisions pushed the buy-now-pay-later provider deeper into the red. The Swedish fintech said revenue rose 26% year-over-year to $903 million, beating analysts' expectations, while US revenue jumped 51%.

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image for news Klarna posts record quarterly revenue in first results since IPO, but credit provisions widen loss
AI-related layoffs could threaten prime borrowers, Klarna CEO warns
KLAR
Published: November 18, 2025 by: Fox Business
Sentiment: Negative

Klarna CEO Sebastian Siemiatkowski warned that artificial intelligence-related layoffs could hurt prime borrowers as white-collar workers face job cuts.

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image for news AI-related layoffs could threaten prime borrowers, Klarna CEO warns
Klarna Delivers Record-breaking Q3 as AI-Powered Digital Bank: $903 Million in Revenue and 4 Million Card Sign-ups in 4 Months
KLAR
Published: November 18, 2025 by: Business Wire
Sentiment: Neutral

NEW YORK--(BUSINESS WIRE)--Regulatory News: Klarna, the global digital bank and flexible payments provider, reported record results in its first quarter as a public company, surpassing analyst expectations. The company expects to exceed $1 billion in revenue in Q4 2025, its first billion-dollar quarter. Sebastian Siemiatkowski, CEO & Co-Founder, said: “Q3 was our strongest quarter ever — proof that our AI-driven model is working at scale, with U.S. revenue up 51% and GMV up 43%. The Klarna.

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image for news Klarna Delivers Record-breaking Q3 as AI-Powered Digital Bank: $903 Million in Revenue and 4 Million Card Sign-ups in 4 Months
Klarna Delivers Record-breaking Q3 as AI-Powered Digital Bank: $903 Million in Revenue and 4 Million Card Sign-ups in 4 Months
KLAR
Published: November 18, 2025 by: Business Wire
Sentiment: Neutral

NEW YORK--(BUSINESS WIRE)--Regulatory News: Klarna, the global digital bank and flexible payments provider, reported record results in its first quarter as a public company, surpassing analyst expectations. The company expects to exceed $1 billion in revenue in Q4 2025, its first billion-dollar quarter. Sebastian Siemiatkowski, CEO & Co-Founder, said: “Q3 was our strongest quarter ever — proof that our AI-driven model is working at scale, with U.S. revenue up 51% and GMV up 43%. The Klarn.

Read More
image for news Klarna Delivers Record-breaking Q3 as AI-Powered Digital Bank: $903 Million in Revenue and 4 Million Card Sign-ups in 4 Months
Klarna's Sales Jump in First Report Since IPO
KLAR
Published: November 18, 2025 by: WSJ
Sentiment: Positive

Klarna logged a jump in sales during its first quarterly report as a public entity, but the buy-now, pay-later company swung to a loss as expenses increased.

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image for news Klarna's Sales Jump in First Report Since IPO
Klarna Delivers Record-breaking Q3 as AI-Powered Digital Bank: $903 Million in Revenue and 4 Million Card Sign-ups in 4 Months
KLAR
Published: November 18, 2025 by: Business Wire
Sentiment: Neutral

NEW YORK--(BUSINESS WIRE)--Klarna, the global digital bank and flexible payments provider, reported record results in its first quarter as a public company, surpassing analyst expectations. The company expects to exceed $1 billion in revenue in Q4 2025, its first billion-dollar quarter. Sebastian Siemiatkowski, CEO & Co-Founder, said: “Q3 was our strongest quarter ever — proof that our AI-driven model is working at scale, with U.S. revenue up 51% and GMV up 43%. The Klarna Card has taken of.

Read More
image for news Klarna Delivers Record-breaking Q3 as AI-Powered Digital Bank: $903 Million in Revenue and 4 Million Card Sign-ups in 4 Months
Klarna Posts First Earnings Report Since Stock IPO. What Investors Should Know.
KLAR
Published: November 18, 2025 by: Barrons
Sentiment: Negative

Shares of the buy-now, pay-later provider have tumbled since its public trading debut in September.

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image for news Klarna Posts First Earnings Report Since Stock IPO. What Investors Should Know.
Klarna Powers Fair Financing Hypergrowth with $6.5bn US Agreement
KLAR
Published: November 18, 2025 by: Business Wire
Sentiment: Neutral

NEW YORK--(BUSINESS WIRE)--Klarna, the global digital bank and flexible payments provider, announced today that investment funds managed by Elliott Investment Management, a U.S.-based investment firm, will purchase Klarna's U.S. Fair Financing loans, supporting the continued expansion of this product in the United States. The companies expect to facilitate a total of $6.5bn-worth of loans over the two-year term of the agreement. The agreement enables Klarna to sell part of its existing Fair Fin.

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image for news Klarna Powers Fair Financing Hypergrowth with $6.5bn US Agreement
Klarna Expands European Card Network With Help of Marqeta
KLAR, MQ
Published: November 03, 2025 by: PYMNTS
Sentiment: Positive

Klarna is expanding its card offering in Europe with the help of card issuing platform Marqeta. The partnership is designed to bring the Klarna Card into 15 new European markets, according to a Monday (Nov. 3) press release.

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image for news Klarna Expands European Card Network With Help of Marqeta
Klarna Takes Aim At Premium Credit Cards With Its New Membership Program
KLAR
Published: October 27, 2025 by: Investopedia
Sentiment: Positive

Klarna is making a play for the premium credit card segment.

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image for news Klarna Takes Aim At Premium Credit Cards With Its New Membership Program
Klarna: Winner In The BNPL Space
KLAR
Published: October 15, 2025 by: Seeking Alpha
Sentiment: Positive

Klarna is rated a buy, driven by its dominant global network and powerful flywheel effect supporting robust growth. Klarna's U.S. expansion, anchored by Walmart and Stripe partnerships and integrations with major PSPs, underpins the >20% growth outlook. Profitability is set to improve due to KLAR's low-cost funding from its banking license and a shift to higher-margin Fair Financing products.

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image for news Klarna: Winner In The BNPL Space
Here's What These Analysts Think of 'BNPL' Company Klarna's Stock After Its IPO
KLAR
Published: October 06, 2025 by: Investopedia
Sentiment: Positive

Buy Klarna stock, analysts say, and it will pay off later.

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image for news Here's What These Analysts Think of 'BNPL' Company Klarna's Stock After Its IPO
Analysts bullish on Klarna following IPO, citing growth and margin expansion potential
KLAR
Published: October 06, 2025 by: Proactive Investors
Sentiment: Positive

Citi and Wedbush have both initiated bullish coverage on newly public Klarna Group PLC, highlighting its expanding global footprint, strong growth trajectory, and long-term profitability potential within the Buy Now, Pay Later (BNPL) market. Citi analysts initiated coverage with a 'Buy/High Risk' rating and a $58 target price, implying 42.5% upside from current levels.

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image for news Analysts bullish on Klarna following IPO, citing growth and margin expansion potential
Wall Street Sees Klarna's AI Strategy, US Partnerships Driving Next Growth Phase
KLAR
Published: October 06, 2025 by: Benzinga
Sentiment: Positive

As global spending habits continue to shift toward digital transactions, the buy-now-pay-later industry is experiencing rapid expansion, drawing significant interest from investors worldwide. This trend has set the stage for Klarna Group PLC‘s (NYSE:KLAR) recent high-profile debut on the New York Stock Exchange, marking a significant milestone in the sector's evolution.

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image for news Wall Street Sees Klarna's AI Strategy, US Partnerships Driving Next Growth Phase
Is Klarna's Landmark Wall Street Debut A Major Buy Opportunity?
KLAR
Published: September 30, 2025 by: Benzinga
Sentiment: Positive

The Swedish buy now pay later (BNPL) platform has grown to become one of the world's most recognizable fintechs, but is it strong enough to go from strength to strength following a $17 billion valuation on its debut?

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image for news Is Klarna's Landmark Wall Street Debut A Major Buy Opportunity?
Klarna Group: 5x Forward Free Cash Flow Is Too Cheap To Ignore
KLAR
Published: September 29, 2025 by: Seeking Alpha
Sentiment: Positive

I see a path for Klarna Group plc to $3.5 billion in free cash flow by 2026, even after applying a margin of safety. I like that KLAR runs a profit-first model, with very little capex needed, which means more cash falls to the bottom line. I'm drawn to KLAR's rock-solid balance sheet, with nearly $5 billion in net cash backing the business.

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image for news Klarna Group: 5x Forward Free Cash Flow Is Too Cheap To Ignore
Klarna chairman sent a stark post-IPO message to CEO: 'We're 10 years behind Revolut'
KLAR
Published: September 24, 2025 by: Business Insider
Sentiment: Negative

Klarna CEO Sebastian Siemiatkowski kicked off its internal conference with a rap performance. The company celebrated its 20th anniversary and recent IPO at the conference last week.

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image for news Klarna chairman sent a stark post-IPO message to CEO: 'We're 10 years behind Revolut'
U.S. IPO Activity On Track For The Best Quarter Since Q1 2022
BLSH, BRCB, FIG, FIGR, GEMI, KLAR, LGN, NTSK, STUB, VIA
Published: September 17, 2025 by: Seeking Alpha
Sentiment: Positive

Q3 2025 IPO filings have reached 104 with two weeks left in the quarter, making it the strongest quarter since Q1 2022. After six large public offerings hit the tape last week, all eyes are on expected debuts from StubHub and Netskope this week. An anticipated Fed rate cut on Wednesday could fuel the fire of public debuts even more as we head into Q4 and 2026.

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image for news U.S. IPO Activity On Track For The Best Quarter Since Q1 2022
Here's Everything Investors Need to Know About Klarna's IPO
KLAR
Published: September 16, 2025 by: The Motley Fool
Sentiment: Neutral

After many years of speculation, the Swedish buy now, pay later (BNPL) company Klarna Group (KLAR -0.51%) recently hit the public markets. It priced shares at $40 and raised roughly $1.37 billion in capital, giving it a valuation of roughly $15 billion.

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image for news Here's Everything Investors Need to Know About Klarna's IPO
Fintech Sector Check-In After Klarna's Impressive Debut
KLAR
Published: September 10, 2025 by: Schaeffers Research
Sentiment: Positive

Online lender Klarna Group (KLAR) made its market debut this morning, with the stock opening at $52, firmly above the initial public offering (IPO) price of $40 per share.

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image for news Fintech Sector Check-In After Klarna's Impressive Debut
Klarna's IPO pops, raising $1.4B, with Sequoia as the biggest winner
KLAR
Published: September 10, 2025 by: TechCrunch
Sentiment: Positive

It's been a long road for the 20-year-old fintech Klarna to make it to an IPO. But on Wednesday, the company successfully landed on the New York Stock Exchange, having raised $1.4 billion, largely for its existing investors, rather than itself.

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image for news Klarna's IPO pops, raising $1.4B, with Sequoia as the biggest winner
Klarna: Another IPO To Avoid
KLAR
Published: September 10, 2025 by: Seeking Alpha
Sentiment: Negative

Klarna Group plc's IPO arrives amid a hot market, but I see significant risks and red flags in its business model and financials. Despite strong revenue growth and user expansion, Klarna remains unprofitable, with rising credit losses and an unclear path to sustained profitability. Insider selling, potential conflicts of interest, and intense competition from fintech giants add to my skepticism about Klarna's long-term prospects.

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image for news Klarna: Another IPO To Avoid
Klarna Opens Up 30% In First Of Three Fintech IPOs Expected This Week
KLAR
Published: September 10, 2025 by: Forbes
Sentiment: Positive

The Swedish buy-now, pay-later firm Klarna began trading on the New York Stock Exchange Wednesday afternoon at $52, up 30% from its $40 initial public offering price. High investor demand had allowed it to boost its initial public offering price to $40 late on Tuesday (above its stated target of $35 to $37) pushing its offering valuation to $15.1 billion.

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image for news Klarna Opens Up 30% In First Of Three Fintech IPOs Expected This Week

About Klarna Group plc (KLAR)

  • IPO Date 2025-09-10
  • Website https://www.klarna.com/uk
  • Industry Software - Infrastructure
  • CEO Sebastian Marcin Siemiatkowski
  • Employees 3778

Klarna Group plc operates as a technology-driven payments company in the United Kingdom, the United States, Germany, Sweden, and internationally. The company offers advertising and marketing solutions, consumer services, digital financial services, and personal shopping and money assistance services. In addition, it provides digital retail banking solutions, such as fixed-term deposits, savings, and bank accounts; digital loyalty cards; and customer and merchant support services, as well as manages personal finances. Klarna Group plc was formerly known as Klarna UK II plc and changed its name to Klarna Group plc in December 2023. The company was founded in 2005 and is based in London, United Kingdom.