Klarna Group (KLAR) Stock Overview
Operates as a digital bank and flexible payments provider in the United Kingdom, the United States, Germany, Sweden, and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 4/6 |
| Past Performance | 0/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
No risks detected for KLAR from our risk checks.
KLAR Community Fair Values
Create NarrativeSee what 110 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Top Community Narratives
Klarna Group plc Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$14.33 |
| 52 Week High | US$57.20 |
| 52 Week Low | US$12.06 |
| Beta | 0 |
| 1 Month Change | -17.45% |
| 3 Month Change | -15.61% |
| 1 Year Change | n/a |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | -68.73% |
Recent News & Updates
KLAR: Accounting Shift And Execution Risks Will Test Apple Partnership Upside
Analysts cut the Klarna Group fair value estimate from $18.00 to $14.00, reflecting lower modeled revenue growth, slightly softer profit margins, a higher discount rate, and recent Street research that reduces price targets following cautious guidance and accounting changes. Analyst Commentary Recent Street research on Klarna Group points to a more cautious tone, with many firms cutting price targets following the latest Q2 results, updated guidance, and the shift to fair value accounting.Klarna: Buy The Dip As Margin Economics Improve
Summary Klarna Group plc shares plunged ~20% after a full-year outlook cut, driven by German macro softness. Despite heightened macro risk, I maintain a Buy rating based on KLAR's compelling long-term growth prospects. Recent earnings volatility reflects heightened investor sensitivity to growth and guidance at market highs. New partnerships and monetization streams are expected to offset near-term headwinds and support the investment thesis. Read the full article on Seeking AlphaRecent updates
KLAR: Accounting Shift And Execution Risks Will Test Apple Partnership Upside
Analysts cut the Klarna Group fair value estimate from $18.00 to $14.00, reflecting lower modeled revenue growth, slightly softer profit margins, a higher discount rate, and recent Street research that reduces price targets following cautious guidance and accounting changes. Analyst Commentary Recent Street research on Klarna Group points to a more cautious tone, with many firms cutting price targets following the latest Q2 results, updated guidance, and the shift to fair value accounting.Klarna: Buy The Dip As Margin Economics Improve
Summary Klarna Group plc shares plunged ~20% after a full-year outlook cut, driven by German macro softness. Despite heightened macro risk, I maintain a Buy rating based on KLAR's compelling long-term growth prospects. Recent earnings volatility reflects heightened investor sensitivity to growth and guidance at market highs. New partnerships and monetization streams are expected to offset near-term headwinds and support the investment thesis. Read the full article on Seeking Alpha
KLAR | Klarna Group plc: What They Said vs. What They Did
TheGapReport: Klarna Group plc (KLAR) Q2 2026 (may 14 - aug 18) Klarna's August 2026 call confirmed the shape management sketched in May — transaction margin dollars growing faster than revenue, provisions declining as a share of volume — while introducing two variables that carry real weight: Germany is softer than the framework assumed, and the two architects of Klarna's public-company narrative are heading toward the exit. The structural thesis held.KLAR: Credit And Execution Risks Will Test Apple Partnership Upside
The analyst fair value estimate for Klarna Group is now $18.00, up from $17.00. Analysts point to a series of higher Street price targets, Klarna's role in Apple's new hardware leasing program, and potential benefits from the Google antitrust ruling and Open Standard consortium participation as key supports for slightly higher revenue growth, margins, and future P/E assumptions.
How Klarna Is Making Credit Cards Obsolete, in 2 Minutes
2 Minute Drill - Klarna Group PLC 1. What It Does Buy Now, Pay Later : Klarna lets shoppers buy stuff today and split the cost into smaller, usually interest-free payments over time.
KLAR: Apple Partnership And Funding Actions Will Support Future Earnings Power
The analyst price target for Klarna Group has been revised lower to $36.05 from $50.00, with analysts citing updated revenue growth and discount rate assumptions, a lower future P/E of 16.9x, and higher expected profit margins as key drivers of the new outlook. Analyst Commentary Recent Street research on Klarna Group points to a mixed but generally constructive backdrop, with several bullish analysts highlighting product momentum, partnership wins, and progress on profitability as key supports for the stock's valuation.
KLAR: Google Ruling Is Expected To Reshape Future Earnings Power
The updated Klarna Group analyst price target moves to $24.10 per share as analysts incorporate a series of higher Street targets in the $18 to $27 range and factor in the potential financial impact of the $1.97b Google antitrust ruling, along with ongoing views on growth, profitability, and valuation multiples. Analyst Commentary Recent research on Klarna Group reflects a mix of optimism around execution and profitability, set against ongoing questions about competition, credit risk, and how much of the Google ruling is already reflected in the stock.KLAR: Credit And Execution Risks Will Challenge Optimistic Medium Term Expectations
The analyst fair value estimate for Klarna Group has been raised from $14.00 to $17.00, reflecting broadly higher Street price targets as analysts cite Q1 transaction margin beats, improving unit economics in key markets, and a larger global BNPL opportunity. Analyst Commentary Street research on Klarna Group highlights a mix of optimism around recent Q1 results and transaction margin disclosures, alongside a more cautious tone from some bearish analysts who are focused on execution risks, credit quality, and how current valuation lines up with future growth expectations.Banking Mix And Credit Costs Will Ultimately Define A Fair Outlook
Catalysts About Klarna Group Klarna Group operates a global payments and retail banking platform across 26 markets, offering buy now, pay later, Fair Financing, cards and deposit products to consumers and merchants. What are the underlying business or industry changes driving this perspective?Shareholder Returns
| KLAR | US Diversified Financial | US Market | |
|---|---|---|---|
| 7D | -26.6% | 1.1% | -1.2% |
| 1Y | n/a | -0.9% | 18.3% |
Return vs Industry: Insufficient data to determine how KLAR performed against the US Diversified Financial industry.
Return vs Market: Insufficient data to determine how KLAR performed against the US Market.
Price Volatility
| KLAR volatility | |
|---|---|
| KLAR Average Weekly Movement | 9.9% |
| Diversified Financial Industry Average Movement | 6.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: KLAR has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: KLAR's weekly volatility (10%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2005 | 2,831 | Sebastian Siemiatkowski | www.klarna.com |
Klarna Group plc operates as a digital bank and flexible payments provider in the United Kingdom, the United States, Germany, Sweden, and internationally. The company provides payment solutions, such as pay in full solution that settles purchases at time of the transaction; pay later solution that enables customers to purchase goods and services at the time of the transaction and pay the full amount at a later date; and fair financing that allows consumers to pay for their purchase over a long duration ranges from three to 48 months. It also offers advertising solutions that include sponsored search, affiliate programs, and brand advertisement; digital retail banking solutions, such as deposit and saving account, financial insights, and Klarna balance that allow consumer to hold monetary balance with Klarna balance solutions; and payment channels, including Klarna payment, Klarna app, Klarna card, and Klarna in-store.
Klarna Group plc Fundamentals Summary
| KLAR fundamental statistics | |
|---|---|
| Market cap | US$5.43b |
| Earnings (TTM) | -US$142.00m |
| Revenue (TTM) | US$4.04b |
Is KLAR overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| KLAR income statement (TTM) | |
|---|---|
| Revenue | US$4.04b |
| Cost of Revenue | US$2.55b |
| Gross Profit | US$1.49b |
| Other Expenses | US$1.63b |
| Earnings | -US$142.00m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | -0.37 |
| Gross Margin | 36.84% |
| Net Profit Margin | -3.52% |
| Debt/Equity Ratio | 63.3% |
How did KLAR perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/08/24 07:53 |
| End of Day Share Price | 2026/08/21 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Klarna Group plc is covered by 28 analysts. 21 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Harshita Rawat | Bernstein |
| null null | BMO Capital Markets Equity Research |
| Andrew Bauch | BMO Capital Markets Equity Research |