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

Klarna Group plc Metrics

BasicAdvanced
$15B
-
-$0.26
-
-

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

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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