Klarna Group Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	937	675	508	294.9	372.82
Net Interest Income Growth	38.81%	32.87%	72.26%	-20.90%	15.67%
Non-Interest Income	2,573	2,136	1,768	1,307	1,168
Non-Interest Income Growth	20.46%	20.81%	35.28%	11.86%	31.61%
Revenues Before Loan Losses	3,509	2,811	2,276	1,602	1,541
Provision for Credit Losses	794	495	353	548.37	513.48
Revenue	2,715	2,316	1,923	1,053	1,028
Revenue Growth (YoY)	17.23%	20.44%	82.54%	2.51%	13.71%
Selling, General & Admin	720	609	651	1,901	1,674
Other Non-Interest Expenses	2,224	1,828	1,595	157.18	82.43
Total Non-Interest Expense	3,728	3,086	2,618	2,058	1,756
Pretax Income	-241	33	-304	-1,004	-728.73
Provision for Income Taxes	32	12	-60	3.26	-58.34
Net Income	-294	3	-249	-991.53	-778.78
Minority Interest in Earnings	21	18	5	-9.69	-8.29
Net Income to Common	-294	3	-249	-991.53	-778.78
Shares Outstanding (Basic)	371	364	362	321	312
Shares Outstanding (Diluted)	371	364	362	321	312
Shares Change (YoY)	1.71%	0.64%	12.84%	2.77%	6.21%
EPS (Basic)	-0.79	0.01	-0.69	-3.09	-2.49
EPS (Diluted)	-0.79	0.01	-0.69	-3.09	-2.49
Free Cash Flow	-1,035	586	807	216.45	-392.37
Free Cash Flow Growth	-	-27.38%	272.83%	-	-
Free Cash Flow Per Share	-2.79	1.61	2.23	-	-
Effective Tax Rate	-13.28%	36.36%	19.74%	-0.69%	16.12%

Updated Dec 31, 2025. Data Source: Fiscal.ai. financials template. Financial Sources.