Klarna Group plc (KLAR)
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. Previously known as Klarna UK II plc, the company officially adopted the name Klarna Group plc in December 2023. Established in 2005, its main operational base is located in London, United Kingdom.
Sector: Finance Services
Industry: Financial - Credit Services
Klarna Group plc
NYSE:KLARFinancial Services · Financial - Credit Services
-3.17%$12.81
AH Close$12.86+0.39%vs close
AH Close$12.86+0.39%vs close
Mkt Cap$4.86B
Float214.31M
O/S379.16M
Inst Own52.5%
SI16.6%
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$3.51B
Net Income-$294M
Total Assets$18.8B
Free Cash Flow-$1.03B
Debt & Equity
Debt 36%
Equity 64%
Total Debt$1.43B
Total Equity$2.51B
Shares Outstanding
Short Interest
Split History
No splits on record
Nothing in KLAR's public trading history: no forward or reverse split has affected the share count.
Balance Sheet Details
Assets$18.8B
Liabilities$16.11B
Accounts Receivable$11.82B
Accounts Payable$1.39B
Inventory$0
PP&E (Net)$60M
Goodwill$685M
Intangible Assets$383M
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
| Revenue | $3.51B | $2.67B | $2.2B | $1.89B | $1.62B | $1.33B | $849.54M | $677.71M | $547.51M | $389.62M |
| YoY Growth | 31.6% | 21.2% | 16.6% | 16.6% | 21.4% | 56.9% | 25.4% | 23.8% | 40.5% | - |
| Cost of Revenue | $1.6B | $596M | $541M | $520M | $595.74M | $377.41M | $251.5M | $117.31M | $86.06M | $63.02M |
| Gross Profit | $1.91B | $2.07B | $1.66B | $1.37B | $1.02B | $955.93M | $598.04M | $560.4M | $461.45M | $326.6M |
| Gross Margin | 54.3% | 77.7% | 75.4% | 72.5% | 63.2% | 71.7% | 70.4% | 82.7% | 84.3% | 83.8% |
| Research and Development | $486M | $444M | $389M | $430M | $0 | $16.56M | $11.2M | $8.51M | $9.15M | $7.12M |
| Selling, General, and Administrative | $720M | $609M | $651M | $851M | $1.67B | $1.06B | $649.71M | $490.97M | $357.67M | $283.83M |
| Other | $262M | $1.14B | $943M | $1.07B | $77.49M | $70.92M | $48.65M | $43.03M | $30.91M | $17.2M |
| Total Operating Expenses | $1.47B | $2.19B | $1.98B | $2.35B | $1.75B | $1.14B | $709.57M | $542.52M | $397.73M | $308.15M |
| Operating Income (EBIT) | $439M | -$121M | -$323M | -$980M | -$729.06M | -$186.97M | -$111.53M | $17.88M | $63.72M | $18.45M |
| Operating Margin | 12.5% | -4.5% | -14.7% | -51.9% | -45.0% | -14.0% | -13.1% | 2.6% | 11.6% | 4.7% |
| Interest Expense | $667M | $503M | $297M | $147M | $0 | $0 | $0 | $0 | $0 | $0 |
| Interest Income | $0 | $144M | $75M | $16M | -$73.62M | -$61.41M | -$35.17M | $0 | $0 | $0 |
| Other Income (Expense) | -$680M | $154M | $19M | -$58M | $0 | $0 | $0 | $0 | $0 | $0 |
| Income Before Tax (EBT) | -$241M | $33M | -$304M | -$1.04B | -$729.06M | -$186.97M | -$111.53M | $17.88M | $63.72M | $18.45M |
| Income Tax Expense | $32M | $12M | -$60M | -$3M | $58.37M | -$28.34M | $18.88M | $6.22M | $21.71M | $6.02M |
| Net Income | -$294M | $3M | -$249M | -$1.04B | -$775.71M | -$153.95M | -$92.41M | $11.63M | $42.01M | $12.43M |
| Net Income Margin | -8.4% | 0.1% | -11.3% | -55.0% | -47.9% | -11.5% | -10.9% | 1.7% | 7.7% | 3.2% |
| Supplementary Data | ||||||||||
| EPS | -0.79 | 0.01 | -0.69 | -3.09 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | -0.79 | 0.01 | -0.69 | -3.09 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Weighted Average OS | 372.15M | 363.99M | 362.09M | 335.56M | 0 | 0 | 0 | 0 | 0 | 0 |
| EBITDA | $551M | $427M | $126M | -$687M | -$574.19M | -$81.76M | -$46.51M | $70.09M | $105.08M | $44.09M |
| EBITDA Margin | 15.7% | 16.0% | 5.7% | -36.4% | -35.5% | -6.1% | -5.5% | 10.3% | 19.2% | 11.3% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
| Assets | ||||||||||
| Current Assets | ||||||||||
| Cash and Cash Equivalents | $3.8B | $3.24B | $2.39B | $1.54B | $1.75B | $609.5M | $11.43M | $37K | $4K | $4K |
| Short-Term Investments | $0 | $347M | $0 | $1.03B | $1.08B | $634.44M | $268.09M | $347.99M | $225.24M | $103.39M |
| Cash and Short-Term Investments | $3.8B | $3.59B | $2.39B | $2.57B | $2.83B | $1.24B | $279.52M | $348.02M | $225.25M | $103.4M |
| Accounts Receivable | $11.82B | $7.52B | $9B | $7.3B | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | -$49M | $69M | $19M | $556.96M | $7.76B | $5.56B | $3.41B | $2.58B | $1.86B | $1.08B |
| Total Current Assets | $15.63B | $11.21B | $11.46B | $10.44B | $10.59B | $6.82B | $3.7B | $2.94B | $2.09B | $1.19B |
| Long-Term Assets | ||||||||||
| Property, Plant & Equipment Net | $60M | $85M | $122M | $196.09M | $211.81M | $122M | $95.32M | $9.09M | $7.54M | $6.02M |
| Goodwill | $685M | $613M | $667M | $657.61M | $506.97M | $173.72M | $144.63M | $149.82M | $155.52M | $98.64M |
| Intangible Assets | $383M | $376M | $533M | $344.01M | $106.9M | $42.45M | $41.78M | $38.57M | $37.65M | $15.23M |
| Long-Term Investments | $1.52B | $130M | $808M | $115.31M | $212.8M | $198.11M | $197.93M | $4.65M | $0 | $1.13M |
| Deferred Tax Assets | $36M | $33M | $25M | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Assets | $487M | $1.37B | $170M | $261.61M | $183.51M | $161.99M | $81.31M | $43.31M | $29.04M | $20.5M |
| Total Long-Term Assets | $3.17B | $2.61B | $2.33B | $1.57B | $1.22B | $698.27M | $560.96M | $245.44M | $229.75M | $141.53M |
| Other Assets | $0 | -$16M | -$35M | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Assets | $18.8B | $13.8B | $13.75B | $12.01B | $11.81B | $7.51B | $4.26B | $3.18B | $2.32B | $1.33B |
| Liabilities | ||||||||||
| Current Liabilities | ||||||||||
| Accounts Payable | $1.39B | $1.27B | $1.45B | $17.65M | $20.56M | $28.93M | $16.29M | $2.76M | $16.46M | $7.87M |
| Short-Term Debt | $84M | $234M | $252M | $345.36M | $697.34M | $609.09M | $703.93M | $2.7M | $36.78M | $29.04M |
| Current Income Tax Payable | $0 | $32M | $26M | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Unearned Revenue | $13B | $7.68B | $8.36B | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $42M | $0 | $0 | $6.06B | $4.6B | $2.93B | $1.16B | $1.36B | $863.29M | $488.6M |
| Total Current Liabilities | $14.58B | $9.25B | $10.12B | $6.73B | $5.66B | $3.77B | $1.99B | $1.43B | $963.49M | $558.28M |
| Long-Term Liabilities | ||||||||||
| Long-Term Debt | $1.26B | $464M | $86M | $124.04M | $423.29M | $265.7M | $483.54M | $450.01M | $291.04M | $86.43M |
| Long-Term Unearned Revenue | $0 | $2.11B | $1.41B | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $2M | $1M | $1M | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Liabilities | $219M | -$350M | -$175M | $2.71B | $2.89B | $1.67B | $697.9M | $756.38M | $547.61M | $375.57M |
| Total Long-Term Liabilities | $1.54B | $2.29B | $1.43B | $2.96B | $3.45B | $2.01B | $1.24B | $1.21B | $838.65M | $461.99M |
| Other Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $16.11B | $11.55B | $11.55B | $9.69B | $9.1B | $5.77B | $3.23B | $2.64B | $1.8B | $1.02B |
| Stockholders' Equity | ||||||||||
| Preferred Stock | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock | $0 | $0 | $0 | $288K | $332K | $298K | $243K | $224K | $240K | $206K |
| Retained Earnings | $2.17B | -$2.08B | -$2.16B | -$1.8B | -$958.01M | -$155.31M | $2.37M | $103.94M | $108.03M | $60.04M |
| Comprehensive Income & Other | -$90M | -$479M | -$311M | $123.56M | $91.75M | $74.82M | $78.13M | $78.53M | $45.63M | $8.06M |
| Other Stockholders' Equity | $337M | $4.17B | $4.35B | $4.11B | $3.66B | $1.89B | $1.02B | $435.59M | $408.79M | $246.28M |
| Total Equity | $2.51B | $2.09B | $2.19B | $2.32B | $2.7B | $1.73B | $1.02B | $539.76M | $517.06M | $306.53M |
| Minority Interest | $177M | $171M | $5M | $6.04M | $8.07M | $7.91M | $6.51M | $6.78M | $0 | $0 |
| Total Liabilities and Equity | $18.62B | $13.63B | $13.74B | $12.01B | $11.81B | $7.51B | $4.25B | $3.18B | $2.32B | $1.33B |
| Supplementary Data | ||||||||||
| Total Debt | $1.43B | $791M | $472M | $637.95M | $1.28B | $967.55M | $1.26B | $452.71M | $327.81M | $115.47M |
| Net Debt | -$2.38B | -$2.45B | -$1.92B | -$905.12M | -$462.97M | $358.06M | $1.24B | $452.67M | $327.81M | $115.47M |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
| Operating Activities | ||||||||||
| Net Income | -$241M | $33M | -$304M | -$1.04B | -$775.71M | -$153.95M | -$92.41M | $11.63M | $42.01M | $12.43M |
| Depreciation & Amortization | $125M | $189M | $227M | $162M | $82.47M | $48.73M | $31.94M | $16.08M | $15.47M | $12.4M |
| Deferred Income Tax | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Stock-Based Compensation | $157M | $92M | $43M | $56M | $58.48M | $10.88M | $511K | $869K | -$64K | $2.28M |
| Changes in Working Capital: | ||||||||||
| Accounts Receivable | -$3.61B | -$1.18B | -$1.72B | -$1.76B | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Working Capital | $1.12B | $1.01B | $2.09B | $1.85B | $36.15M | $273.73M | -$877.62M | $24.48M | -$425.79M | $2.56M |
| Total Working Capital Change | -$2.49B | -$165M | $367M | $88M | $36.15M | $273.73M | -$877.62M | $24.48M | -$425.79M | $2.56M |
| Other Non-Cash Items | $1.41B | $438M | $475M | $1.07B | $233.15M | $18.84M | $34.65M | $28.66M | $51.83M | $17.98M |
| Net Cash from Operating | -$1.03B | $587M | $808M | $336M | -$365.47M | $198.24M | -$902.92M | $81.72M | -$316.54M | $47.65M |
| Investing Activities | ||||||||||
| Capital Expenditures | -$30M | -$1M | -$1M | -$11M | -$27.08M | -$7.77M | -$19.89M | -$6.04M | -$4M | -$2.72M |
| Acquisitions | $0 | $199M | $0 | -$354M | -$245.2M | -$17.32M | -$104.55M | -$6K | -$48.8M | $0 |
| Purchases of Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Sales of Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Investing Activities | $0 | -$44M | -$82M | -$94M | -$217.12M | -$32.2M | -$22.83M | -$28.27M | -$15.59M | -$7.57M |
| Net Cash from Investing | -$30M | $154M | -$83M | -$459M | -$489.4M | -$57.29M | -$147.27M | -$34.31M | -$68.39M | -$10.3M |
| Financing Activities | ||||||||||
| Debt Repaid | -$797M | -$170M | $78M | $782M | -$481.77M | $193.97M | -$371M | -$33.59M | -$243.08M | -$32.59M |
| Common Stock Issuance | $191M | $0 | $39M | $799M | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock Repurchases | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Dividends Paid | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Financing Activities | $0 | $142M | -$23M | $1M | $1.66B | $729.15M | $605.68M | $49.26M | $129.39M | $10.72M |
| Net Cash from Financing | $988M | $312M | -$62M | $18M | $2.14B | $535.19M | $976.68M | $82.86M | $372.46M | $43.3M |
| Forex Effect | $634M | -$201M | $34M | -$272M | $24.98M | -$32.36M | $4.37M | $4.15M | $1.32M | -$93K |
| Net Change in Cash | $560M | $852M | $697M | -$377M | $1.23B | $667.77M | -$82.87M | $124.61M | $3.04M | $128.65M |
| Supplementary Data | ||||||||||
| Operating Cash Flow | -$1.03B | $587M | $808M | $336M | -$365.47M | $198.24M | -$902.92M | $81.72M | -$316.54M | $47.65M |
| Capital Expenditure | -$3M | -$45M | -$85M | -$105M | -$27.08M | -$7.77M | -$19.89M | -$6.04M | -$4M | -$2.72M |
| Free Cash Flow | -$1.03B | $542M | $723M | $231M | -$392.56M | $190.47M | -$922.81M | $75.68M | -$320.54M | $44.92M |
| Cash at Beginning | $3.24B | $2.39B | $1.69B | $2.07B | $841.2M | $173.43M | $256.29M | $131.69M | $128.65M | $0 |
| Cash at End | $3.8B | $3.24B | $2.39B | $1.69B | $2.07B | $841.2M | $173.43M | $256.29M | $131.69M | $128.65M |