Revenue

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Transaction Revenue	-	2.10B	1.79B
Transaction Revenue Growth	-	17.36%	17.05%
Consumer Service Revenue	-	397.00M	344.00M
Consumer Service Revenue Growth	-	15.41%	45.15%
Transaction And Service Revenue	2.65B	2.50B	2.14B
Transaction And Service Revenue Growth	6.08%	17.04%	20.81%
Gain on Sale of Consumer Receivables Revenue	-	73.00M	-
Interest Income Revenue	1.04B	937.00M	675.00M
Interest Income Revenue Growth	10.89%	38.81%	32.87%
Revenue (Total)	1.01B	3.51B	2.81B
Revenue (Total) Growth	-71.08%	24.83%	23.51%

Revenue by Geography

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
United States Revenue	1.40B	1.24B	850.00M
United States Revenue Growth	12.95%	46.23%	39.57%
Germany Revenue	888.00M	848.00M	755.00M
Germany Revenue Growth	4.72%	12.32%	21.77%
United Kingdom Revenue	468.00M	442.00M	348.00M
United Kingdom Revenue Growth	5.88%	27.01%	29.85%
Sweden Revenue	-	-	273.00M
Sweden Revenue Growth	-	-	-8.70%
Other Countries Revenue (Pre-Q32025 Reporting)	-	-	585.00M
Other Countries Revenue (Pre-Q32025 Reporting) Growth	-	-	21.88%
Other Countries Revenue	1.06B	976.00M	858.00M
Other Countries Revenue Growth	8.61%	13.75%	10.14%
Revenue (Total)	1.01B	3.51B	2.81B
Revenue (Total) Growth	-71.08%	24.83%	23.51%

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Merchant Checkout - Gross Merchandise Volume (GMV)	-	112.92B	95.62B
Merchant Checkout - Gross Merchandise Volume (GMV) Growth	-	18.09%	12.97%
Direct-to-Consumer - Gross Merchandise Volume (GMV)	-	14.95B	9.39B
Direct-to-Consumer - Gross Merchandise Volume (GMV) Growth	-	59.14%	20.06%
Total Gross Merchandise Volume (GMV)	136.23B	127.86B	105.25B
Total Gross Merchandise Volume (GMV) Growth	6.54%	21.49%	13.82%
Number of Active Klarna Consumers	119.00M	118.00M	92.00M
Number of Active Klarna Consumers Growth	0.85%	28.26%	9.52%
Number of Merchants	1.08M	966.00K	681.00K
Number of Merchants Growth	11.28%	41.85%	-
Average Revenue per Active Consumer (ARPAC)	32.10	29.80	30.50
Average Revenue per Active Consumer (ARPAC) Growth	7.72%	-2.30%	12.96%
Revenue Take Rate	-	2.70%	-
Provision For Credit Losses - % of GMV	-	0.63%	0.47%
Transaction Margin Dollars	1.36B	1.24B	1.22B
Transaction Margin Dollars Growth	9.52%	1.81%	12.17%
Transaction And Service Revenue - Like-for-Like Growth	-	17.00%	23.00%
Interest Income Revenue - Like-for-Like Growth	-	34.00%	32.00%
Total Revenue Like-for-Like Growth	-	24.00%	25.00%
Average Order Value (AOV) (LTM)	-	103.00	-