Klarna Group plc
KLAR NYSE· Finance Services
Last close · Nov 13, 2026
$13.80
Latest fiscal year · FY25 results fiscal year ended Dec 31, 2025 · vs FY24
| Line | FY24 | FY25 | Change (y/y) |
|---|---|---|---|
| Revenue | $2.8B | $3.5B | 24.8% |
| Net income | $21.0M | −$273M | 1,400.0% |
| Diluted EPS | $0.01 | −$0.79 | 8,000.0% |
| Operating margin | −4.3% | −6.6% | 2.3 pts |
| Free cash flow | $586M | −$1.0B | 276.6% |
Key numbers, fiscal 2025
Market cap
$5.1B
P/E
—
Revenue
$3.5B
Net income
−$273M
Free cash flow
−$1.0B
Operating margin
−6.6%
Klarna Group plc in 30 seconds fiscal 2025
Are sales growing?
+24.8%
Yes. Sales grew 24.8% last year.
Does it make a profit?
−7.8%
No. It lost money last year.
How long would its cash last?
3.7 yrs
Comfortably. It burns $1.0B a year and holds $3.8B, about 3.7 years at that pace.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What Klarna Group plc 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.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Feb 26, 2026
- Legal name
- Klarna Group plc
- CIK
- 0002003292
Klarna Group plc · KLAR · stoqly.net
Results and finances
The last 3 fiscal years. Amounts in USD. Compiled by stoqly.net.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Sales and profit | |||
| Revenue | $2.3B | $2.8B | $3.5B |
| Revenue growth | — | 23.5% | 24.8% |
| Operating margin | −14.2% | −4.3% | −6.6% |
| Net income | −$244M | $21.0M | −$273M |
| Net margin | −10.7% | 0.7% | −7.8% |
| Diluted EPS | −$0.69 | $0.01 | −$0.79 |
| Cash | |||
| Cash from operations | $808M | $587M | −$1.0B |
| Capital expenditure | $1.0M | $1.0M | $3.0M |
| Free cash flow | $807M | $586M | −$1.0B |
| FCF margin | 35.5% | 20.8% | −29.5% |
| Share count change | — | 0.6% | 1.7% |
| Debt and strength | |||
| Cash and short-term investments | $2.4B | $3.2B | $3.8B |
| Shareholders' equity | $2.2B | $2.1B | $2.5B |
| Interest coverage | −1.1x | −0.2x | −0.3x |
| Returns and quality | |||
| Return on equity | −11.1% | 1.0% | −11.9% |
| Return on tangible equity | −11.1% | 1.9% | −19.0% |
Insider trades 12 months
Insiders bought, 12 months
$10.0M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Klarna Group plc · KLAR · stoqly.net
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
Compiled and analysed by stoqly.net from SEC EDGAR XBRL filings (CIK 0002003292). Latest version: stoqly.net/companies/klar. Data updated November 9, 2026. For information only — not investment advice. Check the original filings before relying on any figure.