Financials · KLAR

Klarna Group plc (KLAR) financials

For fiscal 2025 (ended Dec 31, 2025), Klarna Group plc reported $3.51B of revenue and -$273.00M of net income.

Revenue, FY2025
$3.51B
Revenue growth, YoY
+24.8%
Net income, FY2025
-$273.00M
Net margin
-7.8%
Free cash flow, FY2025
-$1.03B
EPS, diluted, FY2025
-$0.79
Cash
$3.80B
P/S
2.71
Market cap
$9.50B
Annual revenue$3.51B
FY2023FY2025
Annual net income-$273.00M
FY2023FY2025
Annual free cash flow-$1.03B
FY2023FY2025

KLAR revenue and earnings growth

KLAR revenueFY2025$3.51B

FY YoY
+24.8%

KLAR revenue was $3.51B for fiscal 2025 (ended Dec 31, 2025), up 24.8% from fiscal 2024.

KLAR net incomeFY2025-$273.00M

KLAR net income was -$273.00M for fiscal 2025 (ended Dec 31, 2025), compared with $21.00M in fiscal 2024.

KLAR EPSFY2025-$0.79

KLAR diluted EPS was -$0.79 for fiscal 2025 (ended Dec 31, 2025), compared with $0.01 in fiscal 2024.

KLAR free cash flowFY2025-$1.03B

KLAR free cash flow was -$1.03B for fiscal 2025 (ended Dec 31, 2025), compared with $586.00M in fiscal 2024.

Income statement

Income statement
Line item
Dec 31, 2025
Dec 31, 2024
Dec 31, 2023
Revenue$3.51B$2.81B$2.28B
Selling, general and admin$306.00M$281.00M$270.00M
Operating income-$230.00M-$121.00M-$323.00M
Interest expense$667.00M$503.00M$297.00M
Pre-tax income-$241.00M$33.00M-$304.00M
Income tax$32.00M$12.00M-$60.00M
Net income-$273.00M$21.00M-$244.00M
EPS, basic-$0.79$0.01-$0.69
EPS, diluted-$0.79$0.01-$0.69
Diluted shares370.7M364.4M362.1M

Balance sheet

Balance sheet
Line item
Dec 31, 2025
Dec 31, 2024
Dec 31, 2023
Cash and equivalents$3.80B$3.24B$2.39B
Goodwill$685.00M$613.00M-
Total assets$18.80B$13.80B-
Total liabilities$16.11B$11.55B-
Shareholders' equity$2.51B$2.09B$2.20B

Cash flow

Cash flow
Line item
Dec 31, 2025
Dec 31, 2024
Dec 31, 2023
Operating cash flow-$1.03B$587.00M$808.00M
Capital expenditures$3.00M$1.00M$1.00M
Free cash flow-$1.03B$586.00M$807.00M
Investing cash flow-$30.00M$154.00M-$83.00M
Financing cash flow$988.00M$312.00M-$62.00M
Stock-based compensation$157.00M$92.00M$43.00M

Key ratios

Key ratios
Line item
Dec 31, 2025
Dec 31, 2024
Dec 31, 2023
Revenue growth, YoY24.8%23.5%-
Operating margin-6.6%-4.3%-14.2%
Net margin-7.8%0.7%-10.7%
Free cash flow margin-29.5%20.8%35.5%
Return on equity-10.9%1.0%-11.1%
Return on assets-1.5%0.2%-

Source: XBRL data Klarna Group plc files with the SEC, latest filing dated Feb 26, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

Foreign private issuers file annual reports with the SEC, so there are no quarterly statements here.

KLAR peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
KLAR$3.51B+24.8%-$273.00M-7.8%$9.50B
AXP$77.59B+10.2%$12.26B15.8%$217.47B
SPGI$17.21B+18.2%$4.99B29.0%$136.57B
MCO$8.18B+9.0%$2.88B35.3%$88.11B
NU$15.77B+37.0%$2.87B18.2%$60.02B
RKT$11.46B+90.4%$1.30B11.4%$43.11B
COIN$5.63B-26.6%-$701.62M-12.5%$36.03B
AFRM$4.59B+32.7%$2.01B43.9%$23.06B
SYF$19.31B+2.6%$3.33B17.3%$22.80B

KLAR FAQ

8 questions
  • What is KLAR revenue?
    Klarna Group plc (KLAR) reported $3.51B of revenue for fiscal 2025 (ended Dec 31, 2025). That is up 24.8% from the year before.
  • Is KLAR profitable?
    No. Klarna Group plc reported a net loss of $273.00M for fiscal 2025 (ended Dec 31, 2025).
  • How much cash and debt does KLAR have?
    Klarna Group plc reported $3.80B in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is KLAR revenue growing?
    Klarna Group plc's revenue changed +24.8% in fiscal 2025, to $3.51B.
  • What is KLAR free cash flow?
    Klarna Group plc generated -$1.03B of free cash flow for fiscal 2025 (ended Dec 31, 2025), which is operating cash flow of -$1.03B less capital expenditures.
  • What is KLAR earnings per share?
    Diluted earnings per share were -$0.79 for fiscal 2025 (ended Dec 31, 2025), from SEC filings, restated for any stock split those filings show.
  • When did KLAR last report financial results?
    The latest statements here come from Klarna Group plc's 20-F filed on Feb 26, 2026, covering the period ended Dec 31, 2025.
  • Where does this KLAR financial data come from?
    Quantisnow builds these statements from the structured XBRL data Klarna Group plc files with the SEC. It is provided for information only and is not investment advice.