# Klarna Group plc (KLAR)

Source page: https://stoqly.net/companies/klar

- **Ticker:** KLAR (NYSE)
- **Sector:** Financials / Finance Services
- **SEC CIK:** 0002003292
- **Latest annual report:** 20-F filed 2026-02-26 (https://www.sec.gov/Archives/edgar/data/2003292/000200329226000007/klar-20251231.htm)
- **Data updated:** 2026-11-09

## What the company does

Klarna provides digital payment and commerce services to consumers and merchants. Its payment options let consumers pay immediately, defer payment or spread purchases over longer fixed terms, while the Klarna app and Klarna Card help them manage purchases and spending. Klarna also connects consumers with goods and services and offers merchants advertising tools. As of December 31, 2025, it served approximately 118 million active consumers and approximately 966 thousand merchants in 26 countries, and facilitated $128 billion of GMV in the year ended December 31, 2025.

It earns money mainly by helping merchants generate more commerce on its network, rather than relying only on interest charged to consumers; it also sells advertising solutions. Its payment choices include Pay in Full, Pay Later and Fair Financing. In the year ended December 31, 2025, 97% of transactions on its network were interest-free. Klarna serves markets including the United States, the U.K., the Nordics, Germany, Austria, Belgium, Spain, France, Italy, the Netherlands and Switzerland. Its named alternatives include Visa, MasterCard and Amex.

Klarna operates a network that combines an open ecosystem of consumers and merchants with a closed-loop service in which it issues, funds, processes and settles payments while keeping a direct relationship with consumers. Payments are available at online and in-store checkouts, in the Klarna app, through its debit-first card and via Apple Pay or Google Pay. Automated systems use transaction data to assess each purchase in real time. Klarna was founded in Sweden and later redomiciled its parent company to the United Kingdom.

## Key figures

- **Last close:** $13.80 on 2026-11-13 (+8.58% on the day)
- **Market cap:** $5.1B
- **EPS, trailing 12 months:** −$0.79
- **Revenue (FY2025):** $3.5B
- **Revenue growth:** +24.8%
- **Operating margin:** −6.6%
- **Net margin:** −7.8%
- **Free cash flow:** −$1.0B
- **Free cash flow margin:** −29.5%
- **Return on equity:** −11.9%
- **Change in share count:** +1.7%
- **Insider buys, last 90 days:** $10.0M
- **Insider sells, last 90 days:** $0.0M

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## Annual results

From SEC EDGAR XBRL filings. Full table: https://stoqly.net/companies/klar/figures.csv

| US$ millions | FY2023 | FY2024 | FY2025 |
|---|---:|---:|---:|
| Revenue | 2,276 | 2,811 | 3,509 |
| Operating income | -323 | -121 | -230 |
| Net income | -244 | 21 | -273 |
| Diluted EPS (US$) | -0.69 | 0.01 | -0.79 |
| Operating cash flow | 808 | 587 | -1,032 |
| Free cash flow | 807 | 586 | -1,035 |
| Cash | 2,391 | 3,243 | 3,803 |

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Source: SEC EDGAR filings and end-of-day prices, via Stoqly. For information only — not investment advice or a recommendation to buy, sell or hold any security.