Klarna Group plc/$KLAR
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About Klarna Group plc
Klarna is the largest pure-play in the buy now, pay later space. The company operates a two-sided network with a payment method at its core, but it is ultimately a lender. Merchants sign up with Klarna to increase turnover in their stores. Primarily, Klarna can provide merchants with higher conversion rates and average order values relative to other payment methods. Some merchants enter a symbiotic relationship with Klarna, advertising its brand on the product page to drive conversion and to benefit from Klarna's brand value in the merchant's sales funnel. Customers use Klarna for its ease of use, quick access to credit, zero-interest financing, and lower reminder fees.
Ticker
$KLAR
Sector
Primary listing
NYSE
Employees
3,098
Headquarters
Website
Klarna Group plc Metrics
BasicAdvanced
$15B
-
-$0.26
-
-
Price and volume
Market cap
$15B
52-week high
$57.20
52-week low
$35.60
Financial strength
Current ratio
17.819
Quick ratio
28.252
Long term debt to equity
28.964
Total debt to equity
28.964
Interest coverage (TTM)
0.68%
Profitability
EBITDA (TTM)
383.372
Gross margin (TTM)
71.78%
Net profit margin (TTM)
-3.17%
Operating margin (TTM)
11.04%
Effective tax rate (TTM)
-37.23%
Revenue per employee (TTM)
$970,000
Management effectiveness
Return on assets (TTM)
1.23%
Return on equity (TTM)
-3.88%
Valuation
Price to revenue (TTM)
5.023
Price to book
6.46
Price to tangible book (TTM)
11.98
Price to free cash flow (TTM)
11.877
Free cash flow yield (TTM)
8.42%
Free cash flow per share (TTM)
3.426
Growth
Revenue change (TTM)
19.78%
Earnings per share change (TTM)
4.83%
3-year revenue growth (CAGR)
22.88%
Bulls say / Bears say
Klarna’s revenue for the second quarter of 2025 rose 20% on a like-for-like basis to $823 million, and adjusted operating profit reached $29 million. This marks the fifth quarter in a row of operational profitability.
Klarna’s U.S. IPO was priced at $40 per share, giving the company a valuation of $15.1 billion. The IPO was significantly oversubscribed, demonstrating strong investor demand and confidence in Klarna’s growth prospects.
By March 2025, Klarna had 93 million active users and partnerships with over 675,000 merchants worldwide, reinforcing its extensive market reach and scale advantages.
Klarna’s heavy emphasis on AI-driven cost reduction led to a cut in staff from 5,000 to 3,800 and a switch in software vendors. However, this negatively impacted service quality and forced management to reverse some decisions and restart hiring, highlighting risks in executing its technology strategy.
Britain will introduce formal regulation of BNPL (Buy-Now-Pay-Later) providers such as Klarna next year. New rules will require compulsory affordability checks, faster refunds, and treat BNPL loans like other regulated credit products, which could raise compliance costs and slow Klarna’s market expansion.
The share of Klarna’s revenue from transactions and service fees has dropped to 75%. Interest income now contributes 25%, increasing Klarna’s dependence on higher-risk lending revenues and raising exposure to rising credit costs.
Data summarised monthly by Lightyear AI. Last updated on 13 Sept 2025.
Klarna Group plc Financial Performance
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FAQs
What’s the current market cap for Klarna Group plc stock?
Klarna Group plc (KLAR) has a market cap of $15B as of October 06, 2025.
What is the P/E ratio for Klarna Group plc stock?
The price to earnings (P/E) ratio for Klarna Group plc (KLAR) stock is 0 as of October 06, 2025.
Does Klarna Group plc stock pay dividends?
No, Klarna Group plc (KLAR) stock does not pay dividends to its shareholders as of October 06, 2025.
When is the next Klarna Group plc dividend payment date?
Klarna Group plc (KLAR) stock does not pay dividends to its shareholders.
What is the beta indicator for Klarna Group plc?
Klarna Group plc (KLAR) does not currently have a Beta indicator.