Klarna Group plc
KLAR · Price history
Price at last available close
$13.11
+$0.75 (+6.07%) 1M
2026-10-29
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Company & revenue
About Klarna Group plc
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Klarna Group plc operates as a technology-driven payments provider, extending its services across the United Kingdom, United States, Germany, Sweden, and globally. The company offers a wide array of solutions, including advertising and marketing, various consumer-centric provisions, advanced digital financial products, and assistance with personal shopping and money management. Furthermore, Klarna delivers digital retail banking services, encompassing fixed-term deposits, savings accounts, and traditional bank accounts, alongside digital loyalty programs, comprehensive support for both customers and merchants, and tools for organizing personal finances.
How they make money
Klarna generates revenue primarily through merchant fees for payment processing and marketing services, as well as consumer-facing interest and late fees from its flexible payment products. The company operates a digital banking platform that facilitates transactions between consumers and merchants, earning income from the transaction volume processed through its ecosystem.
Products & services
Klarna provides Buy Now, Pay Later (BNPL) installment services, integrated payment processing for merchants, and a consumer shopping app featuring price comparison, product discovery, and payment management tools.
Brands & revenue mix
The primary brand under which the company offers its digital banking, payment, and shopping services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Disclosed major customers
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Cloud and Data Infrastructure Providers — The company relies on third-party cloud computing and data storage services to host its platform and process transactions; specific supplier names are unnamed.Source
Strengths
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Total debt increased 108.3% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
37
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
53
Fair
Financial Strength
32
Business Quality / Moat
75
Management
60
Growth Quality
73
Risk / Durability
12
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
33
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
50/100
Building Historical Record
Model Score 50/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently moderate.
- •Asset quality scores strongly
- •Debt service risk
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for KLAR
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can KLAR maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •How long can KLAR fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •How is KLAR likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •What specifically needs to improve for KLAR to reach sustainable profitability?
- •What future growth or profitability would be needed to justify KLAR's current valuation?
Essential Investment Snapshot
Wall Street Score
37
Opportunity Score
33
Market Cap
$5.01B
P/E Ratio
-32.8
EPS
$-0.38
52-Week High
$44.75
52-Week Low
$12.06
Beta
1.77
Analyst Target
$17.00
Shares Outstanding
372.2M
Total Revenue
$4.04B
Total Debt
$1.69B
Dividend
No current dividend
Liquidation Value / Share
$7.16
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for KLAR
Detected from reported data — verify before acting.Debt service risk
Interest coverage is low (~0.7x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on KLAR.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Large active consumer base of 118 million users.
- +Extensive merchant network of approximately 966,000 retailers.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
- −Credit risk associated with consumer repayment defaults.
- −Regulatory and compliance risks in multiple jurisdictions.
- −Negative free cash flow may increase the need for outside financing and dilution.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
37
Jul 24, 2026
Change
+0.9
points
Current Score
37
Oct 1, 2026
Category Changes
KLAR increased 0.9 points because Revenue improved by 8.9 points.
Positive Contributors
- + Revenue improved by 8.9 points
Projected Score
Projected Score
33
Projected Change
-4.6 points
Preliminary comparable-period financial changes suggest decline of approximately 4.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Valuation unavailableCurrent Price
$13.28
Model Intrinsic Value
—
Difference
—
Margin of Safety
—
Intrinsic value is not currently available for this stock, so valuation can't be calculated.
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.04B | $3.51B | $2.67B | $2.20B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $1.54B | $1.60B | $596.0M | $541.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $2.50B | $1.91B | $2.07B | $1.66B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $259.0M | $486.0M | $444.0M | $389.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $1.68B | $720.0M | $609.0M | $651.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $2.38B | $1.47B | $2.19B | $1.98B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $224.0M | $551.0M | $427.0M | $126.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $121.0M | $439.0M | -$121.0M | -$323.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $155.0M | $667.0M | $503.0M | $297.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | -$62.0M | -$241.0M | $33.0M | -$304.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $50.0M | $32.0M | $12.0M | -$60.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | -$143.0M | -$294.0M | $3.0M | -$249.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $-0.38 | $-0.79 | $0.01 | $-0.69 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 379M | 372M | 364M | 362M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 379M | 372M | 364M | 362M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$1.04B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.01
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+108.3%
Cash Change
-51.5%
Margin Change
+6.7 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, net income margin. Pressure indicators included EPS growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 26.6%. EPS declined 107.6%. Cash declined 51.5%. Total debt increased 108.3%. Net income margin improved by 6.7 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
2 historical records2 historical score records available.
Historical Score Chart
2 of 2 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Credit ServicesNews
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Which Buy Now Pay Later Stock Dominated in September: Klarna, Affirm, or Sezzle?
Rumor Mill · KLAR
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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