Klarna Group plc (KLAR)

NYSE: KLAR · Real-Time Price · USD

14.06

+0.60 (4.46%)

At close: Oct 9, 2026, 4:00 PM EDT

14.08

+0.02 (0.14%)

After-hours: Oct 9, 2026, 7:58 PM EDT

Klarna Group Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Revenue	4,039	3,509	2,811	2,276	1,904	1,620
Revenue Growth	34.10%	24.83%	23.51%	19.54%	17.56%	21.26%
Gross Profit	1,488	1,239	1,217	1,085	687	1,024
Operating Income	-25	-206	-66	-291	-971	-656.92
Net Income	-142	-294	3	-249	-1,038	-776.03
Earnings Per Share	-0.38	-0.79	0.01	-0.69	-	-
EPS Growth	-	-	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Transaction	-	2,103	1,792	1,531	1,290
Consumer Service	-	397	344	237	178
Gain on Sale of Consumer Receivables	-	73	-	-	-
Interest Income	1,086	937	675	508	436
Revenue (Total)	4,039	3,509	2,811	2,276	1,904

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Cash & Investments	4,814	5,168	3,644	3,115	2,571	2,826
Total Debt	1,752	1,439	600	447	637.95	1,285
Net Cash (Debt)	3,062	3,729	3,044	2,668	1,933	1,541
Net Cash Growth	-48.36%	22.50%	14.09%	38.04%	25.45%	456.53%
Net Cash Per Share	8.13	10.06	8.35	7.37	-	-

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Operating Cash Flow	-3,779	-1,032	587	808	336	-365.62
Capital Expenditures	-2	-3	-1	-1	-11	-27.1
Free Cash Flow	-3,781	-1,035	586	807	325	-392.72
Free Cash Flow Growth	-	-	-27.38%	148.31%	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Gross Margin	36.84%	35.31%	43.29%	47.67%	36.08%	63.20%
Operating Margin	-0.62%	-5.87%	-2.35%	-12.79%	-51.00%	-40.56%
Pretax Margin	-1.51%	-6.87%	1.17%	-13.36%	-54.52%	-45.03%
Profit Margin	-3.52%	-8.38%	0.11%	-10.94%	-54.52%	-47.91%
FCF Margin	-93.61%	-29.50%	20.85%	35.46%	17.07%	-24.25%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 11, 2026	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
Forward PE	55.42	126.02	-	-	-	-
PS Ratio	1.32	3.11	-	-	-	-