Overview
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- TickerKLAR on NYSE1
- IndustryFinance Services1
- HeadquartersLondon, United Kingdom1
- Incorporated inUnited Kingdom3
- Business address10 York Road, London, X0 Se1 7Nd3
- Filer categoryNon-accelerated filer3
- Legal formCorporation
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2016 had established operations in nine markets, including Austria, Switzerland and the United Kingdom.4 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Transaction Revenue brought in 60% of the revenue Klarna Group plc broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2023 | 2024 | 2025 |
|---|---|---|---|
| Transaction Revenue | $1.5B | $1.8B | $2.1B |
| Revenue From Interest Income | $508.0M | $675.0M | $937.0M |
| Consumer Service Revenue | $237.0M | $344.0M | $397.0M |
| Gain On Sale Of Consumer Receivables | $0 | $0 | $73.0M |
Regions
United States brought in 35% of the revenue Klarna Group plc broke down this way in fiscal 2025.
Regions by year
| Regions | 2023 | 2024 | 2025 |
|---|---|---|---|
| United States | $609.0M | $850.0M | $1.2B |
| Other Countries | $779.0M | $858.0M | $976.0M |
| Germany | $620.0M | $755.0M | $848.0M |
| United Kingdom | $268.0M | $348.0M | $442.0M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs80¢$2.8B
- Interest19¢$667.0M
- Income tax1¢$32.0M
Out of $3.5B in revenue.2 The company lost money this year.
Financial statements
No quarterly figures reported.
Every line of the income statement as filed: the last 3 fiscal years, latest first.2
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Transaction and service revenue | $2.5B | $2.1B | $1.8B |
| Gain on sale of consumer receivables | $73.0M | $0 | $0 |
| Interest income | $937.0M | $675.0M | $508.0M |
| Total revenue | $3.5B | $2.8B | $2.3B |
| Processing and servicing costs | -$809.0M | -$596.0M | -$541.0M |
| Provision for credit losses | -$794.0M | -$495.0M | -$353.0M |
| Funding costs | -$667.0M | -$503.0M | -$297.0M |
| Technology and product development | -$486.0M | -$444.0M | -$389.0M |
| Sales and marketing | -$414.0M | -$328.0M | -$381.0M |
| Customer service and operations | -$207.0M | -$203.0M | -$240.0M |
| General and administrative | -$306.0M | -$281.0M | -$270.0M |
| Depreciation, amortization and impairments | -$55.0M | -$82.0M | -$128.0M |
| Operating expenses | -$3.7B | -$2.9B | -$2.6B |
| Operating loss | -$230.0M | -$121.0M | -$323.0M |
| Other income (expense) | -$11.0M | $154.0M | $19.0M |
| Profit (loss) before taxes | -$241.0M | $33.0M | -$304.0M |
| Tax (expense) benefit | -$32.0M | -$12.0M | $60.0M |
| Shareholders of Klarna Group plc | -$294.0M | $3.0M | -$249.0M |
| Non-controlling interests | $21.0M | $12.0M | $0 |
| Other equity holders | $0.00 | $6,000,000.00 | $5,000,000.00 |
| Net profit (loss) | -$273.0M | $21.0M | -$244.0M |
| Basic earnings (loss) per share (in USD per share) | -$0.79 | $0.01 | -$0.69 |
| Diluted earnings (loss) per share (in USD per share) | -$0.79 | $0.01 | -$0.69 |
No quarter-by-quarter statement was filed.
No quarterly figures reported.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.2
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and cash equivalents | $3.8B | $3.2B | $2.4B | $1.7B |
| Debt securities | $1.5B | $454.0M | ||
| Consumer receivables | $10.5B | $8.1B | ||
| Consumer receivables at fair value through OCI | $386.0M | $0 | ||
| Consumer receivables at fair value through profit and loss | $400.0M | $2.0M | ||
| Settlement and trade receivables | $580.0M | $493.0M | ||
| Property and equipment | $60.0M | $85.0M | ||
| Goodwill | $685.0M | $613.0M | ||
| Intangible assets | $383.0M | $376.0M | ||
| Deferred tax assets | $36.0M | $33.0M | ||
| Other assets | $487.0M | $364.0M | ||
| Total Assets | $18.8B | $13.8B | ||
| Accounts payable and accrued expenses | $655.0M | $572.0M | ||
| Consumer deposits | $13.0B | $9.5B | ||
| Payables to merchants | $736.0M | $696.0M | ||
| Notes payable and other borrowings | $1.4B | $513.0M | ||
| Deferred tax liabilities | $2.0M | $1.0M | ||
| Other liabilities | $358.0M | $255.0M | ||
| Total Liabilities | $16.1B | $11.5B | ||
| Share capital | $0 | $0 | ||
| Additional paid in capital | $427.0M | $4.6B | ||
| Other equity instruments | $0 | $0 | ||
| Reserves | -$90.0M | -$479.0M | ||
| Retained Earnings (Accumulated deficit) | $2.2B | -$2.1B | ||
| Total equity excluding non-controlling interests | $2.5B | $2.1B | ||
| Non-controlling interests | $177.0M | $171.0M | ||
| Total equity | $2.7B | $2.3B | $2.2B | $2.3B |
| Total equity and liabilities | $18.8B | $13.8B |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and cash equivalents | $3.8B | $3.2B | $2.4B | $1.7B |
| Debt securities | $1.5B | $454.0M | ||
| Consumer receivables | $10.5B | $8.1B | ||
| Consumer receivables at fair value through OCI | $386.0M | $0 | ||
| Consumer receivables at fair value through profit and loss | $400.0M | $2.0M | ||
| Settlement and trade receivables | $580.0M | $493.0M | ||
| Property and equipment | $60.0M | $85.0M | ||
| Goodwill | $685.0M | $613.0M | ||
| Intangible assets | $383.0M | $376.0M | ||
| Deferred tax assets | $36.0M | $33.0M | ||
| Other assets | $487.0M | $364.0M | ||
| Total Assets | $18.8B | $13.8B | ||
| Accounts payable and accrued expenses | $655.0M | $572.0M | ||
| Consumer deposits | $13.0B | $9.5B | ||
| Payables to merchants | $736.0M | $696.0M | ||
| Notes payable and other borrowings | $1.4B | $513.0M | ||
| Deferred tax liabilities | $2.0M | $1.0M | ||
| Other liabilities | $358.0M | $255.0M | ||
| Total Liabilities | $16.1B | $11.5B | ||
| Share capital | $0 | $0 | ||
| Additional paid in capital | $427.0M | $4.6B | ||
| Other equity instruments | $0 | $0 | ||
| Reserves | -$90.0M | -$479.0M | ||
| Retained Earnings (Accumulated deficit) | $2.2B | -$2.1B | ||
| Total equity excluding non-controlling interests | $2.5B | $2.1B | ||
| Non-controlling interests | $177.0M | $171.0M | ||
| Total equity | $2.7B | $2.3B | $2.2B | $2.3B |
| Total equity and liabilities | $18.8B | $13.8B |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.2
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Profit (loss) before taxes | -$241.0M | $33.0M | -$304.0M |
| Income taxes paid | -$53.0M | -$15.0M | -$11.0M |
| Interest expense paid | -$425.0M | -$312.0M | -$214.0M |
| Interest income received | $1.0B | $558.0M | $412.0M |
| Depreciation, amortization and impairment | $125.0M | $189.0M | $227.0M |
| Share-based payments | $157.0M | $92.0M | $43.0M |
| Provisions excluding credit losses | $0 | $1.0M | $1.0M |
| Provision for credit losses | $794.0M | $671.0M | $506.0M |
| Net gain from divestment | $0 | -$190.0M | $0 |
| Net losses from divestment of shares in equity investments | $0 | $7.0M | $0 |
| Financial items including fair value effects | $75.0M | -$282.0M | -$219.0M |
| Change in consumer receivables at fair value through OCI | -$378.0M | $0 | $0 |
| Change in consumer receivable at FV through P&L | -$413.0M | -$2.0M | $0 |
| Change in consumer receivables | -$2.8B | -$1.4B | -$1.6B |
| Change in settlement and trade receivables | -$32.0M | $197.0M | -$172.0M |
| Change in notes payable and other borrowings | -$32.0M | -$16.0M | -$115.0M |
| Change in consumer deposits | $2.1B | $820.0M | $1.5B |
| Change in bonds and treasury bills with maturity > 90 days | -$852.0M | $286.0M | $335.0M |
| Change in other assets and liabilities | -$140.0M | -$77.0M | $355.0M |
| Cash flow from operating activities | -$1.0B | $587.0M | $808.0M |
| Investments in intangible assets | -$27.0M | -$44.0M | -$84.0M |
| Investments in property and equipment | -$3.0M | -$1.0M | -$1.0M |
| Sale of fixed assets | $0 | $0 | $1.0M |
| Divestment, net of cash disposed | $0 | $188.0M | $0 |
| Net purchase of equity investments | $0 | $11.0M | $0 |
| Cash flow from investing activities | -$30.0M | $154.0M | -$83.0M |
| New share issuance | $191.0M | $0 | $39.0M |
| Share warrants | $0 | $0 | $1.0M |
| Other equity instruments issued | $0 | $142.0M | $0 |
| Other equity instruments redeemed | $0 | $0 | -$24.0M |
| Convertible promissory notes redeemed | $0 | $0 | -$32.0M |
| Subordinated debt issued | $0 | $100.0M | $75.0M |
| Subordinated debt redeemed | $0 | $0 | -$33.0M |
| Notes payable and other borrowings issued | $903.0M | $264.0M | $104.0M |
| Notes payable and other borrowings redeemed | -$86.0M | -$169.0M | -$150.0M |
| Principal payments of lease liabilities | -$20.0M | -$25.0M | -$42.0M |
| Cash flow from financing activities | $988.0M | $312.0M | -$62.0M |
| Cash flow for the year | -$74.0M | $1.1B | $663.0M |
| Exchange rate difference in cash and cash equivalents | $634.0M | -$201.0M | $34.0M |
| Adjustment for currency translation differences from other comprehensive income | $0 | $18.0M | $0 |
No quarter-by-quarter statement was filed.
Corporate structure
Klarna Group plc sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Klarna Group plc
- Sebastian Siemiatkowski Filed SCHEDULE 13G on Klarna Group plc, latest Nov 18, 2025
- A/s Heartland Filed SCHEDULE 13G on Klarna Group plc, latest Nov 14, 2025
- SC US (TTGP), LTD. Filed SCHEDULE 13G on Klarna Group plc, latest Nov 13, 2025
- Karl Anders Victor Jacobsson Filed SCHEDULE 13G on Klarna Group plc, latest Nov 12, 2025
- Klarna Group plc London, United Kingdom
Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What Klarna Group plc reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Investments
Intangibles and goodwill
Leadership
Who has led Klarna Group plc, and when. Pick a name to see everywhere that person has worked.
- Chief financial officerNiclas Neglen Mar 17, 2026 to now5
- Chief operating officerCamilla Giesecke Mar 17, 2026 to now6
Board members and other officers (10)
- Chief Product Design OfficerDavid Fock Mar 12, 2026 to now7
- Chief Marketing OfficerDavid Sandstrom Mar 17, 2026 to now8
- Chief Accounting OfficerAnthony Greenway Mar 18, 2026 to now9
- Chief Technology OfficerYaron Shaer Mar 18, 2026 to now10
- Board memberMichael J. Moritz Mar 12, 2026 to now11
- Board memberMateusz Staniszewski Mar 17, 2026 to now12
- Board memberNiclas Neglen Mar 17, 2026 to now5
- Board memberAndrew Phillips Reed Mar 18, 2026 to now13
- Board memberRoger W. Ferguson, Jr. Mar 18, 2026 to now14
- Board memberOmid Kordestani Mar 31, 2026 to now15
Named in SEC Form D filings
People the company listed in its private-offering notices.
- Executive OfficerDavid Phillips Sykes named Dec 13, 202416
- Executive Officer, DirectorSebastian Marcin Siemiatkowski named Dec 13, 202416
- DirectorLise Elisabeth Kaae named Dec 13, 202416
- DirectorSarah Elisabeth Smith named Dec 13, 202416
- DirectorLise Kaae named May 13, 202417
- DirectorMikael G. Walther named May 13, 202417
- DirectorSarah G. Smith named May 13, 202417
- DirectorSebastian Siemiatkowski named May 13, 202417
Calendar
Coming up
- Nov 17, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported ($0.25) a share, on Nov 18, 2025.18
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
98 filings to the SEC since October 2021: 1 annual reports, 36 insider forms, 4 large holders, 3 private raises, 54 other. The latest 20:
- Sep 23, 20264 PRIMARY DOCUMENT EDGAR
- Aug 28, 20264 PRIMARY DOCUMENT EDGAR
- Aug 18, 20266-K EDGAR
- Jul 28, 20266-K EDGAR
- Jul 6, 20266-K EDGAR
- Jul 2, 20264 PRIMARY DOCUMENT EDGAR
- Jul 1, 20264 PRIMARY DOCUMENT EDGAR
- Jul 1, 20264 PRIMARY DOCUMENT EDGAR
- Jul 1, 20264 PRIMARY DOCUMENT EDGAR
- Jul 1, 20264 PRIMARY DOCUMENT EDGAR
- Jul 1, 20264 PRIMARY DOCUMENT EDGAR
- Jul 1, 20266-K EDGAR
- Jun 30, 20264 PRIMARY DOCUMENT EDGAR
- Jun 30, 20264 PRIMARY DOCUMENT EDGAR
- Jun 23, 20266-K EDGAR
- May 27, 20266-K EDGAR
- May 14, 20266-K EDGAR
- Apr 16, 20264 PRIMARY DOCUMENT EDGAR
- Apr 16, 20264 PRIMARY DOCUMENT EDGAR
- Apr 16, 20264 PRIMARY DOCUMENT EDGAR
The 98 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
1 open-market trades by officers, directors and large owners since October 2021: 1 buys and 0 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Aug 26, 2026 | Siemiatkowski SebastianChief Executive Officer | Buy | 692,506 | $14.37 | $10.0M | Form 4 |
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Sebastian SiemiatkowskiSCHEDULE 13G, 1 filing Nov 18, 202519
- A/s HeartlandSCHEDULE 13G, 1 filing Nov 14, 202520
- SC US (TTGP), LTD.SCHEDULE 13G, 1 filing Nov 13, 202521
- Karl Anders Victor JacobssonSCHEDULE 13G, 1 filing Nov 12, 202522
Funding
Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.
- Private raises (Form D) $4.3M
Figures by year
| Year | Private raises (Form D) | Total |
|---|---|---|
| 2024 | $4.3M | $4.3M |
Private raises
Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.
SEC filer profile
How Klarna Group plc is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARKlarna Group plc1
- CIK0002003292
- Filer statusNon-accelerated filer not an emerging growth company; not a shell company4
- Incorporated inUnited Kingdom4
- Fiscal year endsDecember 311
- Industry code (SIC)6199 Finance Services1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address10 York Road, London, X0 SE1 7ND1
- Phone00467342057951
- Shares outstanding377,507,910 shares as of Dec 31, 20254
- AuditorErnst & Young AB, Stockholm, Sweden PCAOB ID 1433; no auditor attestation of internal control over financial reporting4
- On EDGAR sinceDec 26, 20231
- Filings98 in all: 4 (20), 3 (16), CORRESP (12), 6-K (11), UPLOAD (11), DRSLTR (4), F-1/A (4), SCHEDULE 13G (4)1
All 20 form types
DRS/A (3), 144 (2), D (2), 20-F (1), 424B4 (1), 8-A12B (1), CERT (1), D/A (1), DRS (1), EFFECT (1), F-1 (1), S-8 (1)
- Latest filingsAnnual report (20-F) Feb 26, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Ordinary shares, nominal value $0.0001 per share | KLAR | New York Stock Exchange |
From the cover page of the 20-F filed Feb 26, 2026 (Section 12(b) of the Exchange Act).4
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 11SEC EDGARMichael J. Moritz, Board member
- 12SEC EDGARMateusz Staniszewski, Board member
- 13SEC EDGARAndrew Phillips Reed, Board member
- 14SEC EDGARRoger W. Ferguson, Jr., Board member
- 15SEC EDGAROmid Kordestani, Board member
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- 18NasdaqNasdaq calendar
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