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Friday 6 November 2026
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Klarna Group plc
KLAR Financial Credit Services
Klarna Group plc’s revenue for fiscal 2025 (year ended December 2025) was $3.5 billion, up 24.8% from fiscal 2024.
- Revenue
- +26.6%
- EPS
- +107.1%
- Free cash flow
- −129.2%
Quarter to June 2026, against a year earlier
13.55
0.02
+0.15%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Jun ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 2,276 | 2,811 | 3,509 | 4,039 | +24.2% | 24 | 44 | — | (88.8%) | |
| Gross margin, % | — | — | — | — | — | — | — | 63.18 | 60.90 | 57.94 | 58.18 | (5.2) pt | ||||||
| EBT | — | — | — | — | — | — | — | (304) | 33 | (241) | (61) | (11.0%) | ||||||
| EBT margin, % | — | — | — | — | — | — | — | (13.36) | 1.17 | (6.87) | (1.51) | +6.5 pt | ||||||
| Net income | — | — | — | — | — | — | — | (304) | 33 | (241) | (61) | (11.0%) | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 6.29 | 7.72 | 9.47 | 10.67 | +22.7% | |||||
| Earnings | — | — | — | — | — | — | — | (0.67) | 0.01 | (0.79) | (0.37) | +8.3% | ||||||
| Cash flow | — | — | — | — | — | — | — | 2.23 | 1.61 | (2.78) | (9.98) | n/m | ||||||
| Capex | — | — | — | — | — | — | — | (0.23) | (0.12) | (0.08) | (0.08) | (40.9%) | ||||||
| Free cash flow | — | — | — | — | — | — | — | 2.00 | 1.49 | (2.87) | (10.06) | n/m | ||||||
| Book value | — | — | — | — | — | — | — | 6.07 | 6.20 | 7.24 | 7.04 | +9.2% | ||||||
| Shares, m | — | — | — | — | — | — | — | 362 | 364 | 371 | 375 | +1.2% | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.0 | |||||
| P/S | — | — | — | — | — | — | — | 5.60 | 5.60 | 3.05 | 1.27 | 4.8 | ||||||
| P/B | — | — | — | — | — | — | — | 6.72 | 6.72 | 3.99 | 1.92 | 5.8 | ||||||
| EV/Sales | — | — | — | — | — | — | — | 2.94 | 2.94 | 1.54 | — | 2.5 | ||||||
| EV/FCF | — | — | — | — | — | — | — | 7.02 | 7.02 | (5.08) | — | 3.0 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | 808 | 587 | (1,032) | (3,779) | n/m | |||||
| Capex | — | — | — | — | — | — | — | (84) | (45) | (30) | (30) | (40.2%) | ||||||
| Free cash flow | — | — | — | — | — | — | — | 724 | 542 | (1,062) | (3,809) | n/m | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | 731 | 1,041 | 1,391 | 1,244 | +37.9% | |||||
| Net debt | — | — | — | — | — | — | — | (3,190) | (3,697) | (5,321) | (5,265) | +29.2% | ||||||
| Shareholders’ equity | — | — | — | — | — | — | — | 2,197 | 2,257 | 2,684 | 2,666 | +10.5% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | 0.02 | (1.80) | (0.77) | (1.8) pt | |||||
| ROIC | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.0 pt | ||||||
| ROE | — | — | — | — | — | — | — | 0.00 | 0.13 | (11.90) | (5.67) | (11.9) pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 3,422 | 2,831 | — | (17.3%) | |||||
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.00 | 0.82 | 1.24 | — | n/m | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Jun 2026
Klarna Group plc vs peers in Credit Services (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| ALLY Ally Financial Inc. | $11.7B | 8.6× | 8.1× | +4.53% (above 0%: growing) | +10.92% (above 0%: growing) | +32.70% (above 0%: growing) | 62.76% | 0.00% | Compare |
| FCFS FirstCash Holdings, Inc. | $8.0B | 20.1× | 18.5× | +17.70% (above 0%: growing) | +25.27% (above 0%: growing) | −12.69% (below 0%: shrinking) | 49.54% | 15.77% | Compare |
| KLAR Klarna Group plc | $7.7B | — (loss-making) | 8.2× | +26.61% (above 0%: growing) | n/m | −129.24% (below 0%: shrinking) | 61.23% | 2.59% | |
| OMF OneMain Holdings, Inc. | $6.5B | 8.5× | 8.7× | +9.52% (above 0%: growing) | −4.19% (below 0%: shrinking) | −2.42% (below 0%: shrinking) | 79.74% | 0.00% | Compare |
| CACC Credit Acceptance Corporation | $5.3B | 16.9× | 8.8× | +2.09% (above 0%: growing) | n/m | +11.81% (above 0%: growing) | 100.00% | 8.63% | Compare |
| SEZL Sezzle Inc. | $5.2B | 28.0× | 25.6× | +42.56% (above 0%: growing) | +81.82% (above 0%: growing) | −101.48% (below 0%: shrinking) | 85.08% | 38.59% | Compare |
| NNI Nelnet, Inc. | $4.5B | 17.2× | 16.5× | −22.95% (below 0%: shrinking) | −27.55% (below 0%: shrinking) | +575.59% (above 0%: growing) | 79.01% | 0.00% | Compare |
| ENVA Enova International, Inc. | $4.3B | 11.2× | 11.0× | +25.73% (above 0%: growing) | +33.85% (above 0%: growing) | +11.38% (above 0%: growing) | 60.88% | 24.50% | Compare |
| BFH Bread Financial Holdings, Inc. | $3.9B | 7.9× | 8.0× | +2.96% (above 0%: growing) | −1.26% (below 0%: shrinking) | +0.17% (above 0%: growing) | 100.00% | 76.97% | Compare |
| Median of peers | $5.3B | 14.0× | 9.9× | +7.03% | +10.92% | +5.77% | 79.38% | 12.20% |
Klarna Group plc (KLAR) Latest News
22 Oct
21 Oct
23 Sep
28 Aug
23 Aug
KLAR metrics, ten years each
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Shares outstanding
- Book value per share