KLAR Research | Milton Maxwell

KLAR

Klarna Group plc

30.80

+0.55+1.82%

Dec 16, 4:00:02 PM EST

Upcoming Earnings

Report date

-/-

Earnings Call Transcripts

This Quarter (Q1 '26)

No earnings call transcript available yet

Last Quarter (Q4 '25)

FY Q4 '25

2026 guidance; stable credit amid growth

2/19/26Feb 19, 2026

Q&A delivered concrete 2026 guidance: GMV and revenue growth matching 2025's pace off $127B base, transaction margin dollars steady in Q1 like Q4 before accelerating H2 toward adjusted operating income margin above 6.9%, fueled by continued loan sales including a smaller Q1 deal after Q4's $1.6B. Credit held firm, provisions dropping to 0.65% of GMV from Q3's 0.72% with stable delinquencies despite faster-than-expected Fair Financing adoption. Partner distribution via Stripe and Adyen emerged as key growth driver beyond Walmart. Provisions fell to 0.65% of GMV. Management dismissed competition worries via global scale; watch banking mix for TMD trajectory.

Key Stats

Market Cap

11.62B

P/E (TTM)

Basic EPS (TTM)

-0.30

Dividend Yield

About

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 and marketing solutions to consumers and merchants. It also offers Klarna App, card, bank accounts, open banking, and marketing services. The company was formerly known as Klarna UK II plc and changed its name to Klarna Group plc in December 2023. Klarna Group plc was founded in 2005 and is based in London, the United Kingdom.

CEO

Mr. Sebastian Marcin Siemiatkowski

IPO

9/11/2025

Website

https://www.klarna.com

Employees

2,907

Sector

Technology

Industry

Software - Infrastructure