stockrowKlarna 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
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Klarna Group plc (KLAR) Piotroski F-score
Klarna Group plc's Piotroski F-score for fiscal 2025 is 2 out of 9: 2 of nine tests of profitability, leverage and efficiency passed.
Piotroski F-score, annual
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Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2025 | 2 | — |
How fiscal 2025’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | (1.80%) | 0.02% | Fail | 0 |
| Positive operating cash flow | (1.03b) | 587.00m | Fail | 0 |
| Rising return on assets | (1.80%) | 0.02% | Fail | 0 |
| Cash flow above net income | (738.00m) | 584.00m | Fail | 0 |
| Falling long-term leverage | 0.00 | 0.00 | Pass | 1 |
| Rising current ratio | 1.09 | 1.09 | Fail | 0 |
| No new shares issued | 370,654,000 | 363,994,000 | Fail | 0 |
| Rising gross margin | 57.94% | 60.90% | Fail | 0 |
| Rising asset turnover | 0.22 | 0.20 | Pass | 1 |
| Piotroski F-score | Weak — most fundamentals deteriorated | 2 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| SEZL Sezzle Inc. compare | 8 |
| NNI Nelnet, Inc. compare | 7 |
| BFH Bread Financial Holdings, Inc. compare | 7 |
| CACC Credit Acceptance Corporation compare | 7 |
| FCFS FirstCash Holdings, Inc. compare | 7 |
| ALLY Ally Financial Inc. compare | 6 |
| ENVA Enova International, Inc. compare | 6 |
| KLAR Klarna Group plc | 2 |
| OMF OneMain Holdings, Inc. compare | — |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover
More on KLAR
- 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
- The full statement