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MARKETS / NYSE / KLAR
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
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
2B202320242025
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

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
0.4B0.8B-0.4B-0.8B202320242025

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
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 %···
ROE %−11.91.0·

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

Provenance
Company facts, as filed
How we verify · 0 failures in 8 reconciliationsAUDITED

Reconciled in 3 of 19 fiscal years. 49 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 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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