Klarna Group Management
Management criteria checks 2/4
Klarna Group's CEO is Sebastian Siemiatkowski, appointed in Feb 2005, has a tenure of 21.5 years. total yearly compensation is $45.20M, comprised of 7.3% salary and 92.7% bonuses, including company stock and options. directly owns 6.5% of the company’s shares, worth $353.26M. The average tenure of the management team and the board of directors is 4.9 years and 5.5 years respectively.
Key information
Sebastian Siemiatkowski
Chief executive officer
US$45.2m
Total compensation
| CEO salary percentage | 7.30% |
| CEO tenure | 21.5yrs |
| CEO ownership | 6.5% |
| Management average tenure | 4.9yrs |
| Board average tenure | 5.5yrs |
Recent management updates
Recent 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?CEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Jun 30 2026 | n/a | n/a | -US$142m |
| Mar 31 2026 | n/a | n/a | -US$198m |
| Dec 31 2025 | US$45m | US$3m | -US$294m |
| Sep 30 2025 | n/a | n/a | -US$225m |
| Jun 30 2025 | n/a | n/a | -US$112m |
| Mar 31 2025 | n/a | n/a | -US$67m |
| Dec 31 2024 | US$2m | US$271k | US$3m |
| Sep 30 2024 | n/a | n/a | -US$52m |
| Jun 30 2024 | n/a | n/a | -US$95m |
| Mar 31 2024 | n/a | n/a | -US$163m |
| Dec 31 2023 | US$2m | US$2m | -US$249m |
| Sep 30 2023 | n/a | n/a | -US$384m |
| Jun 30 2023 | n/a | n/a | -US$557m |
| Mar 31 2023 | n/a | n/a | -US$808m |
| Dec 31 2022 | US$1m | US$1m | -US$1b |
| Sep 30 2022 | n/a | n/a | -US$1b |
| Jun 30 2022 | n/a | n/a | -US$1b |
| Mar 31 2022 | n/a | n/a | -US$1b |
| Dec 31 2021 | US$1m | US$982k | -US$776m |
| Sep 30 2021 | n/a | n/a | -US$521m |
| Jun 30 2021 | n/a | n/a | -US$245m |
| Mar 31 2021 | n/a | n/a | -US$193m |
| Dec 31 2020 | US$1m | US$1m | -US$154m |
| Sep 30 2020 | n/a | n/a | -US$144m |
| Jun 30 2020 | n/a | n/a | -US$141m |
| Mar 31 2020 | n/a | n/a | -US$110m |
| Dec 31 2019 | US$990k | US$904k | -US$92m |
Compensation vs Market: Sebastian's total compensation ($USD45.20M) is above average for companies of similar size in the US market ($USD8.35M).
Compensation vs Earnings: Sebastian's compensation has increased whilst the company is unprofitable.
CEO
Sebastian Siemiatkowski (45 yo)
Mr. Sebastian Marcin Siemiatkowski is Independent Chairman of the Board of Flat Capital AB (publ). Mr. Siemiatkowski was Co-Founder & Chairman of Flat Capital AB (publ) until October 30, 2025. Mr. Siemiatk...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Co-Founder | 21.5yrs | US$45.20m | 6.5% $ 353.3m | |
| CFO & Director | 5.4yrs | US$8.10m | 0.023% $ 1.2m | |
| Chief Accounting Officer | no data | no data | 0.0025% $ 134.2k | |
| Chief Technology Officer | 4.4yrs | no data | 0.0095% $ 517.3k | |
| Chief Legal Officer & Secretary | 2yrs | no data | no data | |
| Interim Chief Compliance Officer | no data | no data | no data | |
| Chief Marketing Officer | 9.2yrs | no data | 0.0095% $ 517.8k | |
| Chief Product & Design Officer | 11.5yrs | US$804.42k | 0.047% $ 2.5m | |
| Chief Commercial Officer | 4.2yrs | no data | 0.048% $ 2.6m | |
| Chief Risk Officer | no data | no data | no data | |
| Chief Credit Risk Officer | no data | no data | no data | |
| Chief Information Security Officer | 2.6yrs | no data | no data |
Experienced Management: KLAR's management team is considered experienced (4.9 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Co-Founder | 21.5yrs | US$45.20m | 6.5% $ 353.3m | |
| CFO & Director | 1.5yrs | US$8.10m | 0.023% $ 1.2m | |
| Independent Non-Executive Chairman of the Board | 16.1yrs | US$1.60m | no data | |
| Independent Non-Executive Director | 5.7yrs | US$400.00k | 0.021% $ 1.1m | |
| Independent Non-Executive Director | 5.7yrs | US$400.00k | 0.0069% $ 372.2k | |
| Independent Non-Executive Director | 5.3yrs | US$500.00k | 0.020% $ 1.1m | |
| Non-Executive Director | 5.7yrs | US$1.50m | no data | |
| Independent Non-Executive Director | 1.5yrs | US$1.10m | no data | |
| Independent Non-Executive Director | 2.5yrs | US$1.50m | no data | |
| Independent Non-Executive Director | 1.3yrs | US$1.10m | no data |
Experienced Board: KLAR's board of directors are considered experienced (5.5 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/08/23 02:48 |
| 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
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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 |