Saturday 17 October 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. In the quarter to June 2026, revenue grew 26.6%, EPS grew 107.1% and free cash flow fell 129.2%, each against the same quarter a year earlier. Insiders bought in the last twelve months.
13.02
0.49
−3.63%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | — | — | — | — | — | — | — | — | — | 27.90 |
Analyst estimates 2026–2028 Powerpack |
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| High | — | — | — | — | — | — | — | — | — | 47.48 | |||||
| People | |||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 3,422 | 2,831 | ||||
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.00 | 0.82 | 1.24 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 2,276 | 2,811 | 3,509 | ||||
| Gross margin, % | — | — | — | — | — | — | — | 63.18 | 60.90 | 57.94 | |||||
| EBT | — | — | — | — | — | — | — | (304) | 33 | (241) | |||||
| EBT margin, % | — | — | — | — | — | — | — | (13.36) | 1.17 | (6.87) | |||||
| Net income | — | — | — | — | — | — | — | (304) | 33 | (241) | |||||
| Depreciation | — | — | — | — | — | — | — | 227 | 189 | 125 | |||||
| Per share, $ | |||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 6.29 | 7.72 | 9.47 | ||||
| Earnings | — | — | — | — | — | — | — | (0.67) | 0.01 | (0.79) | |||||
| Cash flow | — | — | — | — | — | — | — | 2.23 | 1.61 | (2.78) | |||||
| Capex | — | — | — | — | — | — | — | (0.23) | (0.12) | (0.08) | |||||
| Free cash flow | — | — | — | — | — | — | — | 2.00 | 1.49 | (2.87) | |||||
| Book value | — | — | — | — | — | — | — | 6.07 | 6.20 | 7.24 | |||||
| Shares, m | — | — | — | — | — | — | — | 362 | 364 | 371 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | ||||
| P/S | — | — | — | — | — | — | — | 5.23 | 5.23 | 3.05 | |||||
| P/B | — | — | — | — | — | — | — | 6.27 | 6.27 | 3.99 | |||||
| EV/Sales | — | — | — | — | — | — | — | 2.94 | 2.94 | 1.54 | |||||
| EV/FCF | — | — | — | — | — | — | — | 7.02 | 7.02 | (5.08) | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | 808 | 587 | (1,032) | ||||
| Capex | — | — | — | — | — | — | — | (84) | (45) | (30) | |||||
| Free cash flow | — | — | — | — | — | — | — | 724 | 542 | (1,062) | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | 731 | 1,041 | 1,391 | ||||
| Total debt | — | — | — | — | — | — | — | — | — | — | |||||
| Net debt | — | — | — | — | — | — | — | (3,190) | (3,697) | (5,321) | |||||
| Shareholders’ equity | — | — | — | — | — | — | — | 2,197 | 2,257 | 2,684 | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | 0.02 | (1.80) | ||||
| ROIC | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | |||||
| ROE | — | — | — | — | — | — | — | 0.00 | 0.13 | (11.90) | |||||
Negative figures in brackets.
Fiscal years to Dec 2025 · latest quarter Jun 2026
Charts ten years each
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 |
|---|---|---|---|---|---|---|---|---|---|
| FCFS FirstCash Holdings, Inc. | $9.4B | 24.6× | 22.4× | +29.38% (above 0%: growing) | +58.21% (above 0%: growing) | +80.67% (above 0%: growing) | 49.66% | 14.92% | Compare |
| OMF OneMain Holdings, Inc. | $6.4B | 8.4× | 7.6× | +7.19% (above 0%: growing) | −5.71% (below 0%: shrinking) | +3.36% (above 0%: growing) | 79.93% | 0.00% | Compare |
| CACC Credit Acceptance Corporation | $5.7B | 11.7× | 10.5× | +0.62% (above 0%: growing) | +71.79% (above 0%: growing) | +120.88% (above 0%: growing) | 100.00% | 50.07% | Compare |
| KLAR Klarna Group plc | $5.1B | — (loss-making) | 8.2× | +26.61% (above 0%: growing) | n/m | −129.24% (below 0%: shrinking) | 61.23% | 2.59% | |
| NNI Nelnet, Inc. | $4.6B | 15.3× | 15.0× | −22.95% (below 0%: shrinking) | −62.78% (below 0%: shrinking) | −52.33% (below 0%: shrinking) | 79.01% | 0.00% | Compare |
| SEZL Sezzle Inc. | $4.5B | 27.0× | 22.8× | +51.65% (above 0%: growing) | +47.56% (above 0%: growing) | +131.47% (above 0%: growing) | 82.87% | 36.72% | Compare |
| ENVA Enova International, Inc. | $4.4B | 12.4× | 11.3× | +21.58% (above 0%: growing) | +40.20% (above 0%: growing) | +21.85% (above 0%: growing) | 61.15% | 25.53% | Compare |
| SLM SLM Corporation | $4.2B | 6.0× | 7.1× | −1.93% (below 0%: shrinking) | −9.38% (below 0%: shrinking) | +2.81% (above 0%: growing) | 59.84% | 0.00% | Compare |
| BFH Bread Financial Holdings, Inc. | $3.9B | 7.9× | 8.2× | +3.39% (above 0%: growing) | +21.89% (above 0%: growing) | +1.93% (above 0%: growing) | 100.00% | 76.43% | Compare |
| Median of peers | $4.5B | 12.1× | 10.9× | +5.29% | +31.05% | +12.61% | 79.47% | 20.23% |
Klarna Group plc (KLAR) key facts
- Strength: Klarna Group plc’s revenue for fiscal 2025 (year ended December 2025) was $3.5 billion, up 24.8% from fiscal 2024.
- Klarna Group plc (KLAR) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
- As of October 16, 2026, KLAR traded at $13.02, a market capitalization of $5.1 billion.
- Return on equity was −11.9% and debt-to-equity 0.00.
- Its Piotroski F-score is 2 out of 9 for fiscal 2025.