Klarna Group plc KLAR

12.80 (0.07) (0.54%) as of 25 Sep
Market cap
$4.9B
P/E
0.0×
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 9.95
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — 1 —
Sell — — — — — — — — — — — —
Insider Ownership 61.98%

Capital & Financial Ratios

Market Cap 4,860.00
Revenue 4,039.00
Net Income (61.00)
Free Cash Flow (3,809.00)
Net Debt (5,265.00)
Current Ratio 1.08
Debt/Equity 0.00
P/E ratio 0.00
P/S ratio 1.20
P/B ratio 1.82
Past 5Y EPS Growth —
This Y EPS Growth 96.73%
Next Y EPS Growth 2,171.39%
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 3,190 3,697 5,321 5,265
Receivables 8,797 8,636 11,825 10,297
Inventory — — — —
Other — — — 526
11,987 12,333 17,146 16,088
2023 2024 2025 Q'26
Payables 1,453 1,268 1,391 1,480
ST’ Debt — — — —
Other 9,478 9,510 13,003 11,673
11,256 11,292 15,755 14,844
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — — —
Cash Flow — — —
Earnings — — —
Book Value — — —

Revenue

Mar Jun Sep Dec Year
’26 1,012 1,042 — — —
’25 701 823 903 1,082 3,509
’24 643 682 706 780 2,811
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (952) (261) — — —
’25 607 927 472 (3,038) (1,032)
’24 1,175 (350) 227 (465) 587
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 (960) (269) — — —
’25 600 920 464 (3,046) (1,062)
’24 1,164 (362) 214 (474) 542
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 (0.01) 0.01 — — —
’25 (0.26) (0.14) (0.25) (0.12) (0.79)
’24 (0.09) 0.00 0.03 0.11 0.01
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.2
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — — — — — — 27.90

Analyst estimates 2026–2028

Powerpack
Low Price
— — — — — — — — — 47.48
High Price
— — — — — — — — 3,422 2,831
Employees
— — — — — — — 0 1 1
Revenue/Emp
— — — — — — — 2,276 2,811 3,509
Revenue
— — — — — — — 63.18% 60.90% 57.94%
Gross Margin
— — — — — — — (304) 33 (241)
EBT
— — — — — — — (13.36%) 1.17% (6.87%)
EBT Margin
— — — — — — — (304) 33 (241)
Net Income
— — — — — — — 227 189 125
Depreciation
— — — — — — — 6.29 7.72 9.47
Revenue/Sh
— — — — — — — (0.67) 0.01 (0.79)
Earnings/Sh
— — — — — — — 2.23 1.61 (2.78)
Cash Flow/Sh
— — — — — — — (0.23) (0.12) (0.08)
Capex/Sh
— — — — — — — 2.00 1.49 (2.87)
Free CF/Sh
— — — — — — — 6.07 6.20 7.24
Book Value/Sh
— — — — — — — 362 364 371
Shares
— — — — — — — 0.00 0.00 0.00
PE Ratio
— — — — — — — 5.23 5.23 3.05
PS Ratio
— — — — — — — 6.27 6.27 3.99
PB Ratio
— — — — — — — 2.94 2.94 1.54
EV/Sales
— — — — — — — 7.02 7.02 (5.08)
EV/FCF
— — — — — — — 808 587 (1,032)
Op' Cash Flow
— — — — — — — (84) (45) (30)
Capex
— — — — — — — 724 542 (1,062)
FCF
— — — — — — — 731 1,041 1,391
Working Cap'
— — — — — — — — — —
Total Debt
— — — — — — — (3,190) (3,697) (5,321)
Net Debt
— — — — — — — 2,197 2,257 2,684
Sh' Equity
— — — — — — — 0.00% 0.02% (1.80%)
ROA
— — — — — — — 0.00% 0.00% 0.00%
ROIC
— — — — — — — 0.00% 0.13% (11.90%)
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Klarna Group plc peers in Credit Services

All 55 Credit Services stocks →

Klarna Group plc (KLAR) key facts

  • Klarna Group plc (KLAR) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
  • Klarna Group plc’s revenue for fiscal 2025 (year ended December 2025) was $3.5 billion, up 24.8% from fiscal 2024.
  • As of September 25, 2026, KLAR traded at $12.80, a market capitalization of $4.9 billion.
  • Return on equity was −11.9% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

Klarna Group plc (KLAR) Latest News

News by impact score

Fine-tune

24 Sep

3

Klarna stock falls 3% after guiding cut, with concerns about Germany demand and spending weighing on near-term prospects; Affirm rises 2% on momentum from AI-driven underwriting that can approve more shoppers in real time while preserving credit quality. Klarna’s Apple financing partnership provides a longer-term growth catalyst, but investors remain focused on the weaker guidance. The market also notes insider buying as a potential confidence signal, while ongoing questions about consumer spending and spending growth persist. Affirm stands out with a transformer-based underwriting model and improving operating momentum, fueling optimism despite questions about valuation and broader consumer-credit risk. Overall, a clear divergence between Klarna’s caution and Affirm’s AI-enabled growth underscores differing paths in fintech, amid a modest market backdrop. Near-term guidance concerns for Klarna and AI-driven growth for Affirm create a mixed impact on Klarna’s trajectory, with potential but not yet proven catalysts.

23 Sep

3

Adyen named Niclas Neglen, formerly Klarna Group CFO, as its new CFO, with a five-month transition before he assumes the post on Feb. 1 next year and joins Adyen’s management board. Interim CFO Hwa Tsao will remain until Neglen arrives, then lead group finance as SVP. Neglen’s departure from Klarna followed a downbeat second-quarter view that trimmed its gross merchandise volume outlook for the year to $149–$151 billion from more than $155 billion. Klarna has begun searching for a New York-based CFO. Analysts noted Neglen’s fintech and international finance background; Klarna’s stock has fallen roughly 70% since its IPO. Adyen reaffirmed its guidance and continues pursuing acquisitions, including Orb and Talon.One, amid a competitive digital payments landscape. The moves underscore executive turnover and talent shifts shaping leadership in fintech peers. CFO departure to join a rival and ongoing leadership changes at Klarna could influence financial strategy and investor sentiment in the near term.

14 Sep

4

Klarna provides financing options to support purchases of new Apple phones. Financing new Apple phones creates major partnership expanding Klarna user adoption and revenue streams.

10 Sep

3

Klarna partners with Solidgate to offer flexible payments to merchants across Europe. Partnership expands Klarna merchant access in Europe via new payment options.

30 Aug

4

Klarna Group plc stock fell more than 30% in its worst week ever. Weekly stock drop over 30% signals severe negative sentiment that can alter valuation and investor trajectory.

28 Aug

4

Klarna Group plc develops new leasing strategy tied to Apple products, aiming to expand BNPL and financing options for consumers on Apple devices and services. Apple-linked leasing strategy represents major strategic move likely to expand Klarna's reach and alter its competitive trajectory in payments.

3

Affirm stock rose after earnings, with a major Shopify deal providing extra lift. Shopify partnership strengthens Affirm's position against Klarna in buy-now-pay-later market.

27 Aug

3

Klarna beat earnings expectations but issued lower guidance, leaving uncertainty over which figure will drive its stock reaction. Earnings beats with reduced guidance typically create moderate short-term swings in stock price and sentiment without reshaping long-term trajectory.

26 Aug

3

Sezzle Send launches as P2P feature targeting virality to support low-cost user growth at Klarna Group plc. Sezzle Send P2P launch may moderately boost Klarna competitive positioning and user acquisition efficiency.

25 Aug

4 transcript

Klarna Group plc Q2 2026 earnings call transcript covers quarterly financial results, revenue figures, profitability metrics, operational updates, and forward guidance for investors. Earnings call details quarterly results and guidance that directly move stock valuation and investor positioning.

24 Aug

4

Klarna Group cut its H2 GMV outlook. Executive departures weigh on shares, UBS reports. GMV outlook cut plus executive exits point to material negative pressure on performance and investor sentiment.

23 Aug

3

KLAR stock recorded its worst week ever as Wall Street slashed price targets on the buy now pay later firm. Analyst price target cuts signal lower valuation expectations and add near-term pressure on KLAR shares and sentiment.

22 Aug

3

Jim Cramer recommends buying Klarna Group over PayPal Holdings. Cramer's buy recommendation over PayPal may moderately sway short-term market sentiment for Klarna.

21 Aug

3

Klarna reported a $9 million quarterly profit but its stock fell 23%. Profit announcement paired with sharp stock drop signals mixed investor reaction without altering core trajectory.

20 Aug

3

Klarna Group CEO revises public statements on AI's role in recent layoffs and workforce strategy. Messaging adjustments around AI and staffing may shift investor perceptions of operational efficiency and future cost structure.

3

Klarna Q2 earnings balance softer GMV with higher margins. Mixed Q2 results with softer GMV offset by higher margins point to moderate influence on Klarna performance.

19 Aug

4

Klarna Group (KLAR) shares fell 20.9% after the company cut its 2026 outlook and announced leadership changes. Cut to 2026 outlook signals weaker growth while leadership changes add uncertainty that can alter strategic direction and investor sentiment.

4

Klarna Group cuts growth outlook as CFO and CMO exit. CFO and CMO departures plus lowered growth forecasts indicate leadership instability likely to pressure financial trajectory and investor views.

3

Klarna Group plc stock price target cut to $17 due to slowing growth in Europe. Analyst price target reduction to $17 directly signals weaker near-term expectations tied to European slowdown.

3 transcript

Klarna Group plc conducted its Q2 2026 earnings call, covering financial results, operational updates, and forward guidance for the company. Quarterly earnings calls typically deliver updates on performance and outlook that moderately shape near-term investor sentiment and valuation.

18 Aug

4

Klarna investors face severe setbacks from recent developments signaling major valuation drops and operational challenges that threaten the company's growth in fintech lending. Events directly threaten Klarna's valuation and growth trajectory with lasting effects on investor sentiment.

4 transcript

Klarna Group PLC posted 27% revenue growth to $1 billion for Q2 2026 during its earnings call. 27% revenue surge indicates major positive shift in financial trajectory and investor outlook.

4

Klarna announces executive departures and lowers its outlook. Executive departures paired with lowered outlook indicate material operational setbacks likely to shift Klarna's trajectory and investor sentiment.

4

Klarna lowered its guidance, triggering a drop in its stock price. Affirm shares also declined on the news. Lowered guidance signals weaker future results and directly pressures Klarna valuation and outlook.

4

Klarna Group plc cut full-year guidance, triggering a 19% drop in its stock price. Full-year guidance cut directly signals weaker future results and shifts company trajectory.

4

Klarna Group plc stock fell 22% on Tuesday morning. A 22% single-day stock crash points to major negative developments that can shift investor sentiment and alter company trajectory.

4

Klarna Group slashed its financial outlook, replaced senior leaders, and saw its stock price drop sharply in response. Outlook reduction combined with leadership overhaul signals major operational setbacks that shift company trajectory and investor sentiment.

3

KLAR stock recovered overnight after management highlighted strong US growth. Retail investors turned extremely bullish and labeled Klarna undervalued. Management comments on US growth and resulting retail bullishness can moderately shift short-term sentiment and stock trajectory.

3

Klarna Group plc stock plunged 21% after its finance chief departed, compounding pain from recent earnings results. CFO departure after weak earnings triggered 21% stock drop pointing to leadership and financial headwinds.

3

Klarna issued weak guidance but Affirm stock held steady without decline. Klarna weak guidance signals risks to financial performance and competitive standing.

stockrow.com/KLAR · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com