Klarna Group plc (KLAR) Stock: Price, Forecast & Analyst Target
Klarna Group plc (KLAR) — MoonshotScore 24/100 (Weak band), calculated Oct 4, 2026. Price $12.51 (+0.48%), as of the Oct 2, 2026 trading session; market cap $4.72B. Expected results Nov 17, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 1.77× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Nov 17, 2026
Klarna Group plc · KLAR · NYSE · Financial Services · Financial - Credit Services
Research dated 2026-09-13: Klarna provides buy-now-pay-later (BNPL) financing and digital banking services, earning revenue from merchant fees on transactions and consumer deposits. The company has never achieved consistent profitability despite large operating scale, and survival depends on reaching unit economics that allow fee income to cover credit losses and operating costs simultaneously.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Klarna Group (KLAR)
WeakWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Bottom-tier quality, a fragile balance sheet and an expensive valuation, and the price trend has turned against it. Business Quality: Poor; Financial Safety: Fragile; Valuation: Bubble; Growth Durability: Flat; Momentum: Falling.
Free cash flow yield is the main valuation drag relative to sector peers.
- quarterly revenue $1.04B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 3 of 5
- Altman Z 0.46 · Piotroski F 3
Holding back: weak fundamentals, balance-sheet strain, a rich price, weak price trend
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 24 | Weak | |
| 25 | Weak | |
| 24 | Weak | |
| 24 | Weak | |
| 24 | Weak | |
| 24 | Weak |
The score was 24 in the stored Oct 3, 2026 snapshot and remains 24 in the current publication computed Oct 4, 2026 (0); the largest pillar moves were Growth Durability -2; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $12.51 | |
| Change on the day | +0.48% | |
| 52-week range | $12.06 – $44.75 | |
| Market capitalisation | $4.72B | |
| Shares traded on the day | 4.99M | |
| Beta (volatility vs the S&P 500) | 1.77 |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
Fourth quarter is where we expect that investment to show with PSP and marquee merchants live ahead of peak season. We expect it to be a strong transaction margin quarter with strong drop-through to adjusted operating income.
Niclas Neglen · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsCouncil Score · weighted blend of 2 available disciplines
Council score for Klarna Group (KLAR): Split View
39/100 · DSome lenses disagree with the MoonshotScore. Compare their readings below; each uses a different method.
5-Factor Breakdown
Legends Council
6 lenses, 6 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 4, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
Two of these lenses read this company more favourably than the MoonshotScore does: Dalio-style lens and Griffin-style lens. Each lens is a separate scoring function over its own inputs, so a disagreement is a difference of method rather than a correction — the page's answer stays the MoonshotScore above.
On Sep 9, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 4, 2026, except a card that shows its own read date.
Watch the KLAR film — every key number, told as a short cinematic story
~2 min · open the film
What is Klarna Group (KLAR), and what does it report?
Short answer · as of
Klarna earns transaction revenue when consumers use its installment plans at merchant checkout; merchants pay a percentage of the purchase value as a convenience fee.
Research dated 2026-09-13.
Klarna earns transaction revenue when consumers use its installment plans at merchant checkout; merchants pay a percentage of the purchase value as a convenience fee. The company also offers savings accounts and banking products that generate net interest margin. Unlike a traditional bank, Klarna funds consumer credit through capital raises rather than customer deposits, creating a perpetual need for external financing.
The reported revenue includes merchant fees and interest from retail banking operations. Operating losses persist because credit losses (customer defaults) and customer acquisition costs exceed revenue by wide margins. The business model requires scale to work: achieving unit profitability per customer acquired is the threshold between viable and broken economics.
What do the latest results show for Klarna Group (KLAR)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.04B.
Research dated 2026-09-13.
The most recent quarter reported a modest profit for the first time after sustained losses, driven by improved transaction volumes and slightly higher fees per transaction. Revenue grew from the prior year as consumer spending recovered post-pandemic and Klarna's merchant network expanded.
The mechanism behind improved results is that transaction volume growth is now outpacing customer-acquisition spending, and credit losses per customer have stabilized or improved. A quarter with deteriorating results would signal either economic stress hitting consumers (higher defaults) or competitive pressure forcing fee cuts.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $1.04B Jun 30, 2026
- Latest quarter · R&D
- $130.00M Jun 30, 2026
- Latest quarter · SG&A
- $277.00M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $27.00M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $1.04B | $130.00M | $277.00M | $27.00M |
| Mar 31, 2026 | $1.01B | $129.00M | $186.00M | $188.00M |
| Dec 31, 2025 | $1.08B | Not available | $628.00M | −$11.00M |
| Sep 30, 2025 | $903.00M | Not available | $590.00M | −$83.00M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $1.04B Aug 18, 2026
- Latest report · revenue estimate
- $996.53M Aug 18, 2026
- Latest report · revenue vs estimate
- Above estimate Aug 18, 2026
- Latest report · EPS vs estimate
- Above estimate Aug 18, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Aug 18, 2026 | $1.04B | $996.53M | $0.0100 | −$0.0529 |
| May 14, 2026 | $1.00B | $944.09M | −$0.0100 | −$0.1841 |
| Feb 19, 2026 | $1.08B | $1.08B | −$0.1200 | −$0.0300 |
| Nov 19, 2025 | $903.00M | $888.26M | −$0.2500 | −$0.2504 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.04B | $9M | $0.01 (diluted) |
| Q1 FY2026 | $1.01B | -$5M | -$0.01 (diluted) |
| Q4 FY2025 | $1.08B | -$47M | -$0.12 (diluted) |
| Q3 FY2025 | $903M | -$95M | -$0.26 (diluted) |
What are the financial strengths and risks for Klarna Group (KLAR)?
Short answer
Cash and short-term investments were $2.67B at the Jun 30, 2026 balance-sheet date. Operating cash flow was −$261.00M for the quarter ended Jun 30, 2026, meaning operations used cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
Cash balances have tightened materially; the company holds enough liquidity to fund operations but not substantial margin for error. Rising debt levels reflect refinancing of prior capital raises, and the debt-to-equity ratio shows the balance sheet is leveraged.
The central financial risk is credit quality. If consumer unemployment rises or discretionary spending contracts, default rates on outstanding loans will surge, creating write-downs that erase profitability gains. Klarna's business is procyclical: it thrives in economic expansions and suffers in downturns. A second risk is competitive fee compression: larger payment players entering BNPL could force Klarna to sacrifice margins to retain merchants and volume.
Data-derived red flags
- Financial-distress signal — its Altman Z-Score of 0.46 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-4.3%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- −$261.00M Jun 30, 2026
- Previous quarter · operating cash flow
- −$952.00M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | −$261.00M | $0.00 |
| Mar 31, 2026 | −$952.00M | −$8.00M |
| Dec 31, 2025 | −$3.04B | −$2.00M |
| Sep 30, 2025 | $472.00M | −$8.00M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Klarna Group (KLAR)?
Short answer · as of
The next earnings report is expected on Nov 17, 2026.
Research dated 2026-09-13.
Watch quarterly trends in default rates and cost of acquisition per new customer. Any material increase in either metric would signal deterioration. Monitor also for changes in gross merchant value (total transaction volume handled): if that flattens, it suggests market saturation or competitive losses.
Track management commentary on cost structure. If they discuss efficiency gains from technology or headcount reduction, that implies confidence; if they defend spending, that suggests uncertainty about the growth story. Analyst revisions to profitability timelines offer a forward read on market sentiment.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
Fourth quarter is where we expect that investment to show with PSP and marquee merchants live ahead of peak season. We expect it to be a strong transaction margin quarter with strong drop-through to adjusted operating income.
Niclas Neglen ·
How does Klarna Group compare with its peers?
Short answer
Klarna Group's score ranks 13th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Klarna competes with fintech BNPL providers like Affirm and PayPal's Pay in Four, as well as traditional point-of-sale financing from companies like Synchrony. Klarna's European heritage and global reach differentiate it, though that scale also increased costs. Traditional banks now offer BNPL features, providing credit-worthy consumers with lower-cost alternatives.
Klarna's path differs from peers because it operates a bank charter in some jurisdictions, generating deposit revenue others lack. That banking infrastructure is capital-intensive but provides a structural cost advantage if Klarna can grow deposits enough to fund a meaningful portion of credit extensions.
| Company | Price | Market value | Score |
|---|---|---|---|
| $527.50 Oct 2, 2026 | $5.52B | 96 5-pillar Oct 4, 2026 | |
| $98.05 Oct 2, 2026 | $3.96B | 96 5-pillar Oct 4, 2026 | |
| $56.02 Oct 2, 2026 | $6.47B | 95 5-pillar Oct 4, 2026 | |
| $10.30 Oct 2, 2026 | $5.11B | 93 5-pillar Oct 4, 2026 | |
| $172.89 Oct 2, 2026 | $4.30B | 92 5-pillar Oct 4, 2026 | |
| $22.75 Oct 2, 2026 | $4.28B | 92 5-pillar Oct 4, 2026 | |
| $211.49 Oct 2, 2026 | $35.1B | 89 5-pillar Oct 4, 2026 | |
| $107.41 Oct 2, 2026 | $3.61B | 85 5-pillar Oct 4, 2026 | |
| $454.04 Oct 2, 2026 | $25.6B | 81 5-pillar Oct 4, 2026 | |
| $123.87 Oct 2, 2026 | $4.45B | 76 5-pillar Oct 4, 2026 | |
| $94.05 Oct 2, 2026 | $17.9B | 68 5-pillar Oct 4, 2026 | |
| $166.47 Oct 2, 2026 | $25.4B | 64 5-pillar Oct 4, 2026 | |
| Klarna Group (KLAR) — this page | $12.51 | $4.72B | 24 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $15.00 – $27.00
- Consensus target
- $18.67
- Median target
- $17.00
Consensus record · Captured .
Measured against a quoted price of $12.51 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Most recent available transactions
- Transactions
- 1
- Identified insiders
- 1
- Purchases
- 0
- Sales
- 0
- Other transactions
- 1
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 22.2% Period end Jun 30, 2026
- Previous quarter · ownership
- 49.0% Prior to period end Jun 30, 2026
- Reporting holders
- 239 Period end Jun 30, 2026
- Previous quarter · holders
- 216 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Sc Us (Ttgp), Ltd. | 55,029,211 |
| Commonwealth Bank Of Australia | 17,407,235 |
| Softbank Group Corp. | 15,400,224 |
| Silver Lake Group, L.L.C. | 14,470,343 |
| Blackrock, INC. | 5,698,353 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Klarna Group (KLAR)?
KLAR Financial Services Stock FAQ
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
Can Klarna reach sustainable profitability on current trajectory?
Profitability requires default rates to stay manageable and customer-acquisition costs to decline as brand awareness increases. Recent quarters show promise—the first profit quarter validates the model—but a single major macro shock (recession, rising unemployment) could reverse gains. Management has not guided to consistent profitability timelines.
What is the risk from credit losses if the economy weakens?
BNPL credit quality is untested in a severe downturn. If unemployment rises or consumer confidence drops, defaults could spike and wipe out operating profits. Klarna has raised sufficient capital to absorb near-term losses, but prolonged stress could require another capital raise at unfavorable terms.
How much of Klarna's revenue comes from deposits versus merchant fees?
Merchant fees dominate revenue; deposit income is a secondary but growing contributor. Deposit growth requires consumer trust and competitive rates, both difficult to achieve simultaneously. If Klarna scales deposits materially, net interest margin compresses, partially offsetting the fee-income growth.
Could Klarna's IPO valuation justify the business risk?
Klarna went public at a valuation implying continued growth and profitability achievement. If growth stalls or credit losses resurge, the stock would face pressure. Current price-to-sales ratios are only justified if the company sustains scale and reaches operating leverage within years, not decades.
What is the KLAR stock price today?
The last price recorded on this page for Klarna Group plc (KLAR) is $12.51, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the KLAR price target?
The analyst consensus price target for Klarna Group plc (KLAR) is $18.67 (range $15.00 to $27.00, median $17.00), per FMP data captured Oct 4, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Claude (claude-haiku-4-5) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (81 figures)
The 81 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Niclas Neglen (Aug 18, 2026): Fourth quarter is where we expect that investment to show with PSP and marquee merchants live ahead of peak season. We expect it to be a strong transaction margin quarter with strong drop-through to adjusted operating income. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | 10 York Road, London, X0, SE1 7ND | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "10 York Road, London, GL, SE1 7ND, GB". |
FMP — 69 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Nov 17, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $12.51 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T20:54:54.614Z. | |
px.change | Change on the day | +0.48% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $4.72B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:02.000Z. Captured from FMP at 2026-10-04T20:54:53.037Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.06 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.04B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.volume | Shares traded on the day | 4.99M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 1.77 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Sebastian Marcin Siemiatkowski | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 2,831 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.62B, net result −$775.71M; FY2022 revenue $1.89B, net result −$1.04B; FY2023 revenue $2.20B, net result −$249.00M; FY2024 revenue $2.67B, net result $3.00M; FY2025 revenue $3.51B, net result −$294.00M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.gross_margin | Gross margin (trailing twelve months) | 61.8% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $1.04B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.rd_k | R&D — period end 2026-06-30 | $130.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $277.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $27.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $1.01B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.rd_k | R&D — period end 2026-03-31 | $129.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $186.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $188.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $1.08B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $628.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | −$11.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $903.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $590.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | −$83.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-08-18.revenue_actual | Revenue · reported — report date 2026-08-18 | $1.04B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-18.revenue_estimated | Revenue · estimate — report date 2026-08-18 | $996.53M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-18.eps_actual | EPS · reported — report date 2026-08-18 | $0.0100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-18.eps_estimated | EPS · estimate — report date 2026-08-18 | −$0.0529 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-14.revenue_actual | Revenue · reported — report date 2026-05-14 | $1.00B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-14.revenue_estimated | Revenue · estimate — report date 2026-05-14 | $944.09M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-14.eps_actual | EPS · reported — report date 2026-05-14 | −$0.0100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-14.eps_estimated | EPS · estimate — report date 2026-05-14 | −$0.1841 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-19.revenue_actual | Revenue · reported — report date 2026-02-19 | $1.08B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-19.revenue_estimated | Revenue · estimate — report date 2026-02-19 | $1.08B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-19.eps_actual | EPS · reported — report date 2026-02-19 | −$0.1200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-19.eps_estimated | EPS · estimate — report date 2026-02-19 | −$0.0300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-19.revenue_actual | Revenue · reported — report date 2025-11-19 | $903.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-19.revenue_estimated | Revenue · estimate — report date 2025-11-19 | $888.26M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-19.eps_actual | EPS · reported — report date 2025-11-19 | −$0.2500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-19.eps_estimated | EPS · estimate — report date 2025-11-19 | −$0.2504 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $2.67B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | −$261.00M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $3.12B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $1.69B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 1.94× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | −$261.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | −$952.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$8.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | −$3.04B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$2.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $472.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$8.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $15.00 – $27.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $18.67 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $17.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 1 transactions · 0 purchases, 0 sales, 1 other transactions · 1 identified insiders · most recent available transactions | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 22.2% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 49.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 239 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 216 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Sc Us (Ttgp), Ltd. — shares in provider snapshot | 55,029,211 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Commonwealth Bank Of Australia — shares in provider snapshot | 17,407,235 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Softbank Group Corp. — shares in provider snapshot | 15,400,224 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Silver Lake Group, L.L.C. — shares in provider snapshot | 14,470,343 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Blackrock, INC. — shares in provider snapshot | 5,698,353 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 4 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 3 of 5 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-04 | |
fin.scores | Distress and quality screens | Altman Z 0.46 · Piotroski F 3 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-03 · Expired observation | |
px.range52 | 52-week range | $12.06 – $44.75 | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 | |
fin.ratios | Return and yield ratios (trailing twelve months) | ROE -4.3% · ROA -0.1% · current ratio 23.15 | — | UNRECORDED | Stored key metrics — Date unknown |
COMPUTED — 3 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 1.77× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $2.67B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
earn.history.depth.2026-08-18.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($1.04B) with the recorded estimate ($996.53M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-08-18.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.0100) with the recorded estimate (−$0.0529) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 3 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 24 of 100 · Weak · pillars 19 / 2 / 2 / 57 / 3 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.valuation_driver | Recorded valuation score driver | Free cash flow yield is the main valuation drag relative to sector peers. | OURS | Stock Expert AI MoonshotScore v2 engine · stored factor contributions | |
ours.moonshot_change | MoonshotScore movement | 24 (stored snapshot Oct 3, 2026) → 24 (current publication computed Oct 4, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.rd_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.rd_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-08-18. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-08-18.revenue_actual,earn.history.depth.2026-08-18.revenue_estimated,earn.history.depth.2026-08-18.revenue_actual.comparison,earn.history.depth.2026-08-18.eps_actual.comparison,earn.history.depth.2026-08-18.eps_actual,earn.history.depth.2026-08-18.eps_estimated,earn.history.depth.2026-05-14.revenue_actual,earn.history.depth.2026-05-14.revenue_estimated,earn.history.depth.2026-05-14.eps_actual,earn.history.depth.2026-05-14.eps_estimated,earn.history.depth.2026-02-19.revenue_actual,earn.history.depth.2026-02-19.revenue_estimated,earn.history.depth.2026-02-19.eps_actual,earn.history.depth.2026-02-19.eps_estimated,earn.history.depth.2025-11-19.revenue_actual,earn.history.depth.2025-11-19.revenue_estimated,earn.history.depth.2025-11-19.eps_actual,earn.history.depth.2025-11-19.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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- sedat@stockexpertai.com
Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Klarna Group plc operates as a technology-driven payments provider, extending its services across the United Kingdom, United States, Germany, Sweden, and globally. The company offers a wide array of solutions, including advertising and marketing, various consumer-centric provisions, advanced digital financial products, and assistance with personal shopping and money management. Furthermore, Klarna delivers digital retail banking services, encompassing fixed-term deposits, savings accounts, and traditional bank accounts, alongside digital loyalty programs, comprehensive support for both customers and merchants, and tools for organizing personal finances. Previously known as Klarna UK II plc, the company officially adopted the name Klarna Group plc in December 2023. Established in 2005, its main operational base is located in London, United Kingdom. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Reported versus estimated, last 5 quarters | Captured record · 5 entries
| 2026-08-18 | FMP | Financial Modeling Prep (FMP) earnings |
| Cash, investments and debt | Total debt: $1.69B; Liquidity basis: cash and short-term investments; Total liabilities: $15.10B; Cash and short-term investments: $2.67B; Cash and investments: $5.79B; Long-term investments: $3.12B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Trailing twelve-month ratio set | Quick ratio: 0.86; Current ratio: 0.86; Debt to equity: 0.69; Net margin: -3.4%; Gross margin: 61.8%; Operating margin: 3%; Return on assets: -0.8%; Return on equity: -5.6% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Distress and quality screens | Altman Z-score: 0.48; Piotroski F-score: 3 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Next earnings report | Date: 2026-11-17; EPS estimate: -$0.16 per share; Revenue estimate: $972.57M The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Management outlook — dated call excerpts | Captured record · 1 entry
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-08-18 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Analyst actions, most recent per firm | Captured record · 10 entries
One row per firm — the firm's most recent action in our feed. Other data vendors may carry firms ours does not. | 2026-08-25 | FMP | Financial Modeling Prep (FMP) analyst grades |
| Institutional ownership (13F) | Holders: 239; Quarter: 2026-06-30; Ownership: 22.2%; Holders previous quarter: 215; Ownership previous quarter: 49 13F filings are quarterly and lag the quarter end by up to 45 days. | 2026-06-30 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings |
Data provided for informational purposes only.