Revenue

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Transaction Revenue	-	1.79B	1.53B
Transaction Revenue Growth	-	17.05%	18.68%
Consumer Service Revenue	-	344.00M	237.00M
Consumer Service Revenue Growth	-	45.15%	33.15%
Transaction And Service Revenue	2.36B	2.14B	1.77B
Transaction And Service Revenue Growth	10.35%	20.81%	20.44%
Interest Income Revenue	851.00M	675.00M	508.00M
Interest Income Revenue Growth	26.07%	32.87%	16.51%

Revenue by Geography

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Germany Revenue	755.00M	620.00M
Germany Revenue Growth	21.77%	14.39%
United States Revenue	850.00M	609.00M
United States Revenue Growth	39.57%	21.32%
Sweden Revenue	273.00M	299.00M
Sweden Revenue Growth	-8.70%	16.80%
United Kingdom Revenue	348.00M	268.00M
United Kingdom Revenue Growth	29.85%	24.65%
Other Countries Revenue	585.00M	480.00M
Other Countries Revenue Growth	21.88%	23.39%

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Merchant Checkout - Gross Merchandise Volume (GMV)	-	95.62B	84.64B
Merchant Checkout - Gross Merchandise Volume (GMV) Growth	-	12.97%	12.50%
Direct-to-Consumer - Gross Merchandise Volume (GMV)	-	9.39B	7.82B
Direct-to-Consumer - Gross Merchandise Volume (GMV) Growth	-	20.06%	2.96%
Total Gross Merchandise Volume (GMV)	-	105.02B	92.47B
Total Gross Merchandise Volume (GMV) Growth	-	13.57%	11.62%
Number of Active Klarna Consumers	114.00M	93.00M	84.00M
Number of Active Klarna Consumers Growth	22.58%	10.71%	6.33%
Average Revenue per Active Consumer (ARPAC)	28.00	30.00	27.00
Average Revenue per Active Consumer (ARPAC) Growth	-6.67%	11.11%	12.50%
Provision For Credit Losses - % of GMV	-	0.47%	0.38%
Transaction Margin Dollars	-	1.22B	1.09B
Transaction Margin Dollars Growth	-	12.17%	57.93%
Transaction And Service Revenue - Like-for-Like Growth	-	23.00%	-
Interest Income Revenue - Like-for-Like Growth	-	32.00%	-
Total Revenue Like-for-Like Growth	-	25.00%	-

Updated Sep 30, 2025. Data Source: Fiscal.ai.