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NYSE · FINANCE SERVICES · SMALL CAP

Klarna Group PLC KLAR

3 fiscal years on record · USD · FY2025 reported · SEC filings only
$3.5B
▲ 24.8% YoY
$-273.0M
▼ 1400.0% YoY
$-1.0B
▼ 276.6% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Klarna Group plc operates as a global digital bank and flexible payments provider. Its payment solutions include Pay in Full, Pay Later, and Fair Financing. It has operated as a licensed bank in the European Economic Area since 2017, when the Swedish Financial Supervisory Authority approved its application for a bank license. As of December 31, 2025, the Company served approximately 118 million active consumers and approximately 960,000 merchants across 26 countries. For the year ended December 31, 2025, its GMV was $128 billion. As of December 31, 2025, it had approximately 2,831 full-time employees, down from approximately 3,422 at the end of 2024 and approximately 4,352 at the end of 2023. Klarna Group plc was founded in 2005 in Sweden.

Written from the business description in Klarna Group plc's annual report to the U.S. Securities and Exchange Commission, filed 26 February 2026. Every sentence was checked against that document before publication.

Growth

USD 3.5B
Revenue, FY2025 · full 3-year series below
Revenue $B Net income $B
FY2025 · Revenue 3.5 · Net income -0.3
2B3B
202320242025
Compound annual growth
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

−8 cents
lost on every revenue dollar
Operating margin Net margin
FY2025 · Operating -6.6% · Net -7.8%
-5%-10%
202320242025
ROE
FY2025 · ROE -11.9%
-5%-10%
202320242025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.
Gross margin·
Operating margin-6.6%
Net margin-7.8%
EBITDAUSD -175.0M

Each USD of equity lost 12 cents this year.

Cash & shareholders

·
returned in FY2025 · dividends + net buybacks
Free cash flow $B
FY2025 · FCF -1.0
0.3B0.6B-0.5B-1.0B
202320242025
Dividends paid·
Net buybacks·
Share of profit·
Consecutive raises·

Total assetsUSD 18.8B
EquityUSD 2.5B
CashUSD 3.8B

Equity funds 13% of total assets.

The 3-year record

3 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative—not applicable◌not available in our data
KLAR, 3-year financial record
Metric 202520242023
Revenue $B3.52.82.3
Operating income $B−0.2−0.1−0.3
EBITDA $B−0.2−0.0−0.2
Income tax $B0.00.0−0.1
Net income $B−0.30.0−0.2
Free cash flow $B−1.00.60.8
EPS, diluted $−0.790.01−0.69
Dividend / sh $◌◌◌
Payout % — not applicable: no dividend———
ROE %−11.91.0−11.1

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC
Provenance

Company facts, as filed

How we verify · 0 failures in 8 reconciliationsAUDITED

Reconciled in 3 of the 3 fiscal years we could check. 17 checks were skipped: the balance sheet is not tagged before 2024. 16 checks were skipped: EPS is not tagged before 2023.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityFinance Services
Listed onNYSE
Incorporated inoutside the United States — SEC code X0
Fiscal year endsDecember 31
Data on record since2023

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