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KLAR

Klarna Group plc

Price Chart
Latest Quote

$19.13

+0.74 (+4.02%)
Current Price
Previous Close $18.39
Open $18.70
Day High $19.69
Day Low $18.70
Volume 4,800,984
Fetched: 2026-06-26T02:22:00
Stock Information
Shares Outstanding 378.11M
Total Debt $1.42B
Cash Equivalents $4.70B
Revenue $3.82B
Net Income $-198.00M
Sector Financial Services
Industry Credit Services
Market Cap $7.23B
EPS (TTM) $-0.55
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Enterprise Value$4.13B
Sales$3.82B
Income$-198.00M
Book/sh$6.50
Cash/sh$12.42
Employees3K
Financial Ratios
Quick Ratio24.22
Current Ratio25.51
Debt/Eq53.72
Returns & Margins
ROA-0.37%
ROE-6.95%
Gross Margin35.52%
Operating Margin1.68%
Profit Margin-5.18%
Ownership
Insider Ownership21.83%
Institutional Ownership49.12%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E20.53
PEG0.38
P/S1.89
P/B2.94
Analyst Data
Recommendationbuy
Target Price$23.26
Technical Indicators
SMA20$17.44
SMA50$15.90
RSI60.45
ATR1.0971
Shares Float195.83M
Short Float11.21%
Short Ratio4.48
Rel Volume0.92
Performance History
Week+7.11%
Month+12.66%
Quarter+47.61%
6 Months-38.90%
YTD-33.04%
10 Years-55.24%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-06-25 $19.13 4,800,984
2026-06-24 $18.39 6,464,500
2026-06-23 $17.75 2,392,600
2026-06-22 $17.97 4,002,100
2026-06-18 $18.84 5,895,000
2026-06-17 $17.86 6,328,200
2026-06-16 $17.78 5,012,800
2026-06-15 $17.60 6,368,600
2026-06-12 $16.23 3,409,300
2026-06-11 $16.40 6,808,800
2026-06-10 $15.78 3,168,800
2026-06-09 $16.50 4,599,700
2026-06-08 $16.55 2,236,300
2026-06-05 $16.36 4,982,400
2026-06-04 $17.47 3,003,800
2026-06-03 $16.95 6,563,300
2026-06-02 $17.52 5,630,400
2026-06-01 $17.90 8,691,100
2026-05-29 $18.29 9,113,800
2026-05-28 $17.44 4,527,200
2026-05-27 $17.25 5,321,300
2026-05-26 $16.98 7,492,400
About Klarna Group plc

Klarna Group plc operates as a digital bank and flexible payments provider in the United Kingdom, the United States, Germany, Sweden, and internationally. The company provides payment solutions, such as pay in full solution that settles purchases at time of the transaction; pay later solution that enables customers to purchase goods and services at the time of the transaction and pay the full amount at a later date; and fair financing that allows consumers to pay for their purchase over a long duration ranges from three to 48 months. It also offers advertising solutions that include sponsored search, affiliate programs, and brand advertisement; digital retail banking solutions, such as deposit and saving account, financial insights, and Klarna balance that allow consumer to hold monetary balance with Klarna balance solutions; and payment channels, including Klarna payment, Klarna app, Klarna card, and Klarna in-store. Additionally, the company provides membership programs, product search and price comparison, cashback offers and merchant deals, loyalty cards, wish lists, delivery tracking and returns, AI-enabled support, Klarna memberships, Klarna merchant portal, and on-site messaging solutions. The company was formerly known as Klarna UK II plc and changed its name to Klarna Group plc in December 2023. Klarna Group plc was founded in 2005 and is based in London, United Kingdom.

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Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Reconciled Cost Of Revenue $1,533,000,000 $984,000,000 $795,000,000 $1,007,000,000
Cost Of Revenue $1,603,000,000 $1,091,000,000 $894,000,000 $1,070,000,000
Total Revenue $3,510,000,000 $2,811,000,000 $2,276,000,000 $1,904,000,000
Operating Revenue $3,510,000,000 $2,811,000,000 $2,276,000,000 $1,904,000,000
Expenses
Interest Expense $667,000,000 $503,000,000 $297,000,000 $147,000,000
Total Expenses $3,071,000,000 $2,429,000,000 $2,302,000,000 $2,737,000,000
Other Income Expense $-11,000,000 $154,000,000 $19,000,000 $-58,000,000
Other Non Operating Income Expenses $-11,000,000 $154,000,000 $19,000,000 $-58,000,000
Net Non Operating Interest Income Expense $-667,000,000 $-503,000,000 $-297,000,000 $-147,000,000
Interest Expense Non Operating $667,000,000 $503,000,000 $297,000,000 $147,000,000
Operating Expense $1,468,000,000 $1,338,000,000 $1,408,000,000 $1,667,000,000
Other Operating Expenses $207,000,000 $203,000,000 $240,000,000 $287,000,000
Selling And Marketing Expense $414,000,000 $328,000,000 $381,000,000 $531,000,000
General And Administrative Expense $306,000,000 $281,000,000 $270,000,000 $320,000,000
Total Other Finance Cost - $42,000,000 $46,000,000 $50,000,000
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $-294,000,000 $9,000,000 $-244,000,000 $-1,034,000,000
Net Interest Income $-667,000,000 $-503,000,000 $-297,000,000 $-147,000,000
Normalized Income $-294,000,000 $9,000,000 $-244,000,000 $-1,034,000,000
Net Income From Continuing And Discontinued Operation $-294,000,000 $9,000,000 $-244,000,000 $-1,034,000,000
Total Operating Income As Reported $-230,000,000 $-121,000,000 $-323,000,000 $-980,000,000
Net Income Common Stockholders $-294,000,000 $3,000,000 $-249,000,000 $-1,038,000,000
Net Income $-294,000,000 $9,000,000 $-244,000,000 $-1,034,000,000
Net Income Including Noncontrolling Interests $-273,000,000 $21,000,000 $-244,000,000 $-1,035,000,000
Net Income Continuous Operations $-273,000,000 $21,000,000 $-244,000,000 $-1,035,000,000
Pretax Income $-241,000,000 $33,000,000 $-304,000,000 $-1,038,000,000
Operating Income $439,000,000 $382,000,000 $-26,000,000 $-833,000,000
Depreciation Amortization Depletion Income Statement $55,000,000 $82,000,000 $128,000,000 $99,000,000
Depreciation And Amortization In Income Statement $55,000,000 $82,000,000 $128,000,000 $99,000,000
Gross Profit $1,907,000,000 $1,720,000,000 $1,382,000,000 $834,000,000
Interest Income - $144,000,000 $75,000,000 $16,000,000
Interest Income Non Operating - $144,000,000 $75,000,000 $16,000,000
Depreciation Income Statement - $82,000,000 $128,000,000 $99,000,000
Per Share
Diluted EPS $-0.79 $0.01 $-0.66 $-2.75
Basic EPS $-0.79 $0.01 $-0.66 $-2.75
Other
Tax Effect Of Unusual Items $0 $0 $0 $0
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $551,000,000 $725,000,000 $220,000,000 $-729,000,000
Reconciled Depreciation $125,000,000 $189,000,000 $227,000,000 $162,000,000
EBITDA (Bullshit earnings) $551,000,000 $725,000,000 $220,000,000 $-729,000,000
EBIT $426,000,000 $536,000,000 $-7,000,000 $-891,000,000
Diluted Average Shares $370,654,083 $377,255,045 $377,255,045 $377,255,045
Basic Average Shares $370,654,083 $377,255,045 $377,255,045 $377,255,045
Diluted NI Availto Com Stockholders $-294,000,000 $3,000,000 $-249,000,000 $-1,038,000,000
Otherunder Preferred Stock Dividend $0 $6,000,000 $5,000,000 $4,000,000
Minority Interests $-21,000,000 $-12,000,000 $0 $1,000,000
Tax Provision $32,000,000 $12,000,000 $-60,000,000 $-3,000,000
Research And Development $486,000,000 $444,000,000 $389,000,000 $430,000,000
Selling General And Administration $720,000,000 $609,000,000 $651,000,000 $851,000,000
Other Gand A $306,000,000 $281,000,000 $270,000,000 $320,000,000
Provision For Doubtful Accounts - $495,000,000 $353,000,000 $550,000,000
Fetched: 2026-06-20
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31
Assets
Net Tangible Assets $1,439,000,000 $1,097,000,000 $992,000,000
Total Assets $18,797,000,000 $13,804,000,000 $13,748,000,000
Total Non Current Assets $2,873,000,000 $1,660,000,000 $2,350,000,000
Other Non Current Assets $155,000,000 $65,000,000 $112,000,000
Non Current Deferred Assets $36,000,000 $33,000,000 $25,000,000
Non Current Deferred Taxes Assets $36,000,000 $33,000,000 $25,000,000
Financial Assets $21,000,000 $10,000,000 $58,000,000
Investmentin Financial Assets $1,518,000,000 $454,000,000 $799,000,000
Goodwill And Other Intangible Assets $1,068,000,000 $989,000,000 $1,200,000,000
Other Intangible Assets $383,000,000 $376,000,000 $533,000,000
Current Assets $15,924,000,000 $12,144,000,000 $11,433,000,000
Restricted Cash $14,000,000 $69,000,000 $19,000,000
Prepaid Assets $49,000,000 $28,000,000 $26,000,000
Receivables $11,272,000,000 $8,802,000,000 $8,997,000,000
Other Receivables $214,000,000 $116,000,000 $124,000,000
Taxes Receivable $59,000,000 $58,000,000 $67,000,000
Loans Receivable $10,479,000,000 $8,149,000,000 $8,107,000,000
Accounts Receivable $520,000,000 $479,000,000 $699,000,000
Allowance For Doubtful Accounts Receivable $-26,000,000 $-17,000,000 $-35,000,000
Gross Accounts Receivable $546,000,000 $496,000,000 $734,000,000
Cash Cash Equivalents And Short Term Investments $4,589,000,000 $3,245,000,000 $2,391,000,000
Cash And Cash Equivalents $3,803,000,000 $3,243,000,000 $2,391,000,000
Cash Equivalents $1,225,000,000 $777,000,000 $221,000,000
Cash Financial $2,578,000,000 $2,466,000,000 $2,170,000,000
Non Current Note Receivables - $1,298,000,000 -
Debt
Total Debt $1,426,000,000 $545,000,000 $472,000,000
Long Term Debt And Capital Lease Obligation $1,316,000,000 $509,000,000 $190,000,000
Long Term Debt $1,262,000,000 $439,000,000 $86,000,000
Current Debt And Capital Lease Obligation $110,000,000 $36,000,000 $282,000,000
Current Debt $84,000,000 $13,000,000 $252,000,000
Other Current Borrowings - $234,000,000 $252,000,000
Liabilities
Total Liabilities Net Minority Interest $16,113,000,000 $11,547,000,000 $11,551,000,000
Total Non Current Liabilities Net Minority Interest $1,537,000,000 $686,000,000 $1,427,000,000
Other Non Current Liabilities $193,000,000 $109,000,000 $-188,000,000
Derivative Product Liabilities $13,000,000 $61,000,000 -
Non Current Deferred Liabilities $2,000,000 $1,000,000 $1,412,000,000
Non Current Deferred Taxes Liabilities $2,000,000 $1,000,000 $1,000,000
Current Liabilities $14,576,000,000 $10,861,000,000 $10,124,000,000
Current Deferred Liabilities $13,003,000,000 $9,510,000,000 $8,363,000,000
Payables And Accrued Expenses $1,463,000,000 $1,315,000,000 $1,479,000,000
Payables $1,463,000,000 $1,315,000,000 $1,479,000,000
Other Payable $44,000,000 $15,000,000 -
Total Tax Payable $28,000,000 $32,000,000 $26,000,000
Accounts Payable $1,391,000,000 $1,268,000,000 $1,453,000,000
Equity
Common Stock Equity $2,507,000,000 $2,086,000,000 $2,192,000,000
Total Equity Gross Minority Interest $2,684,000,000 $2,257,000,000 $2,197,000,000
Stockholders Equity $2,507,000,000 $2,086,000,000 $2,192,000,000
Gains Losses Not Affecting Retained Earnings $-90,000,000 $-479,000,000 $-311,000,000
Retained Earnings $2,170,000,000 $-2,081,000,000 $-2,159,000,000
Long Term Equity Investment $15,000,000 $24,000,000 $34,000,000
Other Equity Interest - - $37,000,000
Other
Ordinary Shares Number $377,507,910 $377,255,045 $377,255,045
Share Issued $377,507,910 $377,255,045 $377,255,045
Tangible Book Value $1,439,000,000 $1,097,000,000 $992,000,000
Invested Capital $3,853,000,000 $2,538,000,000 $2,530,000,000
Working Capital $1,348,000,000 $1,283,000,000 $1,309,000,000
Capital Lease Obligations $80,000,000 $93,000,000 $134,000,000
Total Capitalization $3,769,000,000 $2,525,000,000 $2,278,000,000
Minority Interest $177,000,000 $171,000,000 $5,000,000
Additional Paid In Capital $427,000,000 $4,646,000,000 $4,625,000,000
Capital Stock $0 $0 $0
Common Stock $0 $0 $0
Long Term Capital Lease Obligation $54,000,000 $70,000,000 $104,000,000
Long Term Provisions $13,000,000 $6,000,000 $13,000,000
Current Deferred Revenue $13,003,000,000 $9,510,000,000 $8,363,000,000
Current Capital Lease Obligation $26,000,000 $23,000,000 $30,000,000
Commercial Paper $84,000,000 $13,000,000 -
Investments And Advances $1,533,000,000 $478,000,000 $833,000,000
Held To Maturity Securities $1,518,000,000 $454,000,000 $799,000,000
Goodwill $685,000,000 $613,000,000 $667,000,000
Net PPE $60,000,000 $85,000,000 $122,000,000
Accumulated Depreciation $-216,000,000 $-158,000,000 $-178,000,000
Gross PPE $276,000,000 $243,000,000 $300,000,000
Leases $14,000,000 $12,000,000 $14,000,000
Other Properties $262,000,000 $231,000,000 $286,000,000
Properties $0 $0 $0
Other Short Term Investments $786,000,000 $2,000,000 -
Non Current Deferred Revenue - $2,109,000,000 $1,411,000,000
Fetched: 2026-06-20
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $-1,062,000,000 $542,000,000 $723,000,000 $231,000,000
Operating Activities
Operating Cash Flow $-1,032,000,000 $587,000,000 $808,000,000 $336,000,000
Cash Flow From Continuing Operating Activities $-1,032,000,000 $587,000,000 $808,000,000 $336,000,000
Operating Gains Losses $75,000,000 $-465,000,000 $-219,000,000 $60,000,000
Investing Activities
Capital Expenditure $-30,000,000 $-45,000,000 $-85,000,000 $-105,000,000
Investing Cash Flow $-30,000,000 $154,000,000 $-83,000,000 $-459,000,000
Cash Flow From Continuing Investing Activities $-30,000,000 $154,000,000 $-84,000,000 $-459,000,000
Net Other Investing Changes - - $1,000,000 -
Financing Activities
Issuance Of Capital Stock $191,000,000 $0 $39,000,000 $799,000,000
Financing Cash Flow $988,000,000 $312,000,000 $-62,000,000 $18,000,000
Cash Flow From Continuing Financing Activities $988,000,000 $312,000,000 $-62,000,000 $18,000,000
Net Common Stock Issuance $191,000,000 $0 $39,000,000 $799,000,000
Common Stock Issuance $191,000,000 $0 $39,000,000 $799,000,000
Net Other Financing Charges - $142,000,000 $-24,000,000 $-1,000,000
Other
Repayment Of Debt $-106,000,000 $-194,000,000 $-257,000,000 $-1,136,000,000
Issuance Of Debt $903,000,000 $364,000,000 $179,000,000 $354,000,000
End Cash Position $3,803,000,000 $3,243,000,000 $2,391,000,000 $1,694,000,000
Beginning Cash Position $3,243,000,000 $2,391,000,000 $1,694,000,000 $2,071,000,000
Effect Of Exchange Rate Changes $634,000,000 $-201,000,000 $34,000,000 $-272,000,000
Changes In Cash $-74,000,000 $1,053,000,000 $663,000,000 $-105,000,000
Proceeds From Stock Option Exercised $0 $0 $1,000,000 $2,000,000
Net Issuance Payments Of Debt $797,000,000 $170,000,000 $-78,000,000 $-782,000,000
Net Long Term Debt Issuance $797,000,000 $170,000,000 $-78,000,000 $-782,000,000
Long Term Debt Payments $-106,000,000 $-194,000,000 $-257,000,000 $-1,136,000,000
Long Term Debt Issuance $903,000,000 $364,000,000 $179,000,000 $354,000,000
Net Business Purchase And Sale $0 $199,000,000 $0 $-354,000,000
Sale Of Business $0 $199,000,000 $0 $0
Net Intangibles Purchase And Sale $-27,000,000 $-44,000,000 $-84,000,000 $-94,000,000
Purchase Of Intangibles $-27,000,000 $-44,000,000 $-84,000,000 $-94,000,000
Net PPE Purchase And Sale $-3,000,000 $-1,000,000 $0 $-11,000,000
Sale Of PPE $0 $0 $1,000,000 $0
Purchase Of PPE $-3,000,000 $-1,000,000 $-1,000,000 $-11,000,000
Taxes Refund Paid $-53,000,000 $-15,000,000 $-11,000,000 $-21,000,000
Interest Received Cfo $1,022,000,000 $558,000,000 $412,000,000 $385,000,000
Interest Paid Cfo $-425,000,000 $-312,000,000 $-214,000,000 $-81,000,000
Change In Working Capital $-2,486,000,000 $-165,000,000 $367,000,000 $88,000,000
Change In Other Working Capital $2,008,000,000 $743,000,000 $1,871,000,000 $1,667,000,000
Change In Other Current Liabilities $-884,000,000 $270,000,000 $220,000,000 $181,000,000
Change In Receivables $-3,610,000,000 $-1,178,000,000 $-1,724,000,000 $-1,760,000,000
Changes In Account Receivables $-823,000,000 $195,000,000 $-172,000,000 $-83,000,000
Stock Based Compensation $157,000,000 $92,000,000 $43,000,000 $56,000,000
Provisionand Write Offof Assets $794,000,000 $672,000,000 $507,000,000 $725,000,000
Depreciation Amortization Depletion $125,000,000 $189,000,000 $227,000,000 $162,000,000
Depreciation And Amortization $125,000,000 $189,000,000 $227,000,000 $162,000,000
Depreciation $125,000,000 $189,000,000 $227,000,000 $162,000,000
Gain Loss On Investment Securities $75,000,000 $-282,000,000 $-219,000,000 $60,000,000
Gain Loss On Sale Of Business $0 $-183,000,000 $0 $0
Net Income From Continuing Operations $-241,000,000 $33,000,000 $-304,000,000 $-1,038,000,000
Purchase Of Business - $0 $0 $-354,000,000
Net Foreign Currency Exchange Gain Loss - $-18,000,000 - -
Fetched: 2026-06-20