Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Klarna Group Plc is a technology-driven financial services company specializing in digital banking and flexible payment solutions for consumers and merchants worldwide. The company operates an AI-powered payments and commerce network that supports buy-now-pay-later options, installment plans, and other tools designed to simplify both online and in-store transactions. Klarna enables consumers to manage purchases, access short-term credit, and streamline checkout experiences, emphasizing ease of use and integrated shopping features. For merchants, Klarna’s platform aims to improve conversion rates and average order values by embedding its payment methods and marketing services directly into retailers’ digital and physical sales channels. The business serves a broad range of sectors, including retail, travel, fashion, and lifestyle brands, working with global partners such as large department stores and e-commerce platforms. Founded in Sweden and now headquartered in London, Klarna Group Plc plays a significant role in the global buy-now-pay-later and digital payments ecosystem, sitting at the intersection of technology, commerce, and consumer finance.
$19.13
+$0.74 (+4.02%)
EOD Jun 25, 2026 · Twelve Data
The institution is unprofitable. This typically signals severe credit losses or a business in transition.
Revenue grew 24.9% YoY. However, net income declined 1400%, rising credit provisions or expenses may be eating into the top line.
Net income declined 1400% YoY, profitability momentum has weakened.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$3.84B
▲ +24.9% YoY
Net Income (TTM)
-$271M
▼ -1400.0% YoY
Net Margin
-7.06%
P/E
—
Balance Sheet
Total Assets
$18.80B
Equity
$2.68B
Total Debt
$1.43B
Cash & Equiv.
$4.59B
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Klarna Group (KLAR)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Klarna Group scores 58/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
Klarna Group scores 58 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which makes it a mixed business on these measures. Recent fundamentals include a 16.4% operating margin and a 10.0% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. you should weigh KLAR's valuation and scores 58/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.