SEC FORM 3

SEC FORM 3 SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Fock David

(Last)

(First)

(Middle)

10 YORK ROAD

(Street)

LONDON

SE1 7ND

(City)

(State)

(Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
03/12/2026

3. Issuer Name and Ticker or Trading Symbol
Klarna Group plc [ KLAR ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	Chief Product Design Officer

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Klarna Group plc Ordinary Shares	176,838⁽¹⁾	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
Larkan AB Restricted Stock Units	⁽²⁾	⁽²⁾	Klarna Group plc ordinary shares	⁽²⁾	⁽²⁾	D
Larkan SPV Warrants L4:1	09/01/2027	11/15/2027	Klarna Group plc ordinary shares	1,052,412⁽³⁾	$6,885.33⁽⁴⁾	D
Larkan SPV Warrants L5:2	09/01/2027	11/15/2027	Klarna Group plc ordinary shares	1,078,224⁽⁵⁾	$6,885.33⁽⁴⁾	D
Larkan SPV Warrants L10:2	09/01/2028	11/30/2028	Klarna Group plc ordinary shares	363,720⁽⁶⁾	$6,885.33⁽⁴⁾	D
Klarna Group plc Options	12/31/2024	06/29/2029	Klarna Group plc ordinary shares	212,520	$374.25⁽⁴⁾	D
Klarna Group plc Options	03/05/2025	09/05/2029	Klarna Group plc ordinary shares	211,584	$374.25⁽⁴⁾	D
Klarna Group plc Options	03/05/2026	09/05/2029	Klarna Group plc ordinary shares	410,712⁽⁷⁾	$748.5⁽⁴⁾	D
Klarna Group plc Options	03/05/2026	09/05/2029	Klarna Group plc ordinary shares	913,020⁽⁷⁾	$1,122.75⁽⁴⁾	D

Explanation of Responses:

1. Includes 27,000 Klarna Group plc ordinary shares (Shares) purchased on March 9, 2026 in open market transactions at a price per ordinary shares of $14.39 (rounded to cents) for an aggregate consideration of $388,552.14. In addition to the ordinary shares reported in this Form 3, the reporting person beneficially owns a number of the Klarna Group plcs (the Issuer) Class B shares equal to the number of ordinary shares so reported.

2. Represents 14,015 restricted stock units in Larkan AB (Larkan), an indirect subsidiary of Klarna Group plc (the Issuer). Once shares of Larkan are delivered in settlement of the restricted stock units, approximately four shares of Larkan are convertible into one Share. Restricted Stock Units in Larkan vest quarterly, at a total vesting of 25% of the initial grant per year.

3. Represents warrants to acquire 87,701 shares of Larkan IV AB, a direct subsidiary of the Issuer. Each underlying share of Larkan IV AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 1,052,412 Shares being subject to the warrant, that is vesting annually by 20% for a period of four years with an additional 20% vesting on August 27, 2027.

4. Value in SEK

5. Represents warrants to acquire 89,852 shares of Larkan V AB, a direct subsidiary of the Issuer. Each underlying share of Larkan V AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 1,078,224 Shares being subject to the warrant, that is vesting annually by 20% for a period of four years with an additional 20% vesting on August 27, 2027.

6. Represents warrants to acquire 30,310 shares of Larkan X AB, a direct subsidiary of the Issuer. Each underlying share of Larkan X AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 363,720 Shares being subject to the warrant, that is vesting annually in equal installments over a period of four years.

7. Represents an option to acquire Shares that vest in four equal annual installments beginning on the first anniversary of the grant date.

	Boudien Moerman, as attorney-in-fact	03/12/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

New insider Fock David claimed ownership of 176,838 units of Klarna Group plc Ordinary Shares (SEC Form 3)