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Klarna Group plc (KLAR)

NYSE: KLAR · Finance Services · London, GB · filing with the SEC since 2023
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Grade6.3
◀ Past 7.0● Present 5.9▶ Future 5.9
2 est.
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The grade of Klarna Group plc

Nine metrics read from its own filings, by tense
Headline grade
6.3/10
◀ Past7.040% of the headline
● Present5.935% of the headline
▶ Future5.925% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

7.0/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
8.4/10

Has it survived what it has been through?

No warning events in its filings since 2023.

weight 45% of this tense · 84th percentile among 130 sector filers · read for itself

From the record

Klarna Group plc's filings since 2023 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
7.2/10

What has it actually done, year after year?

+24.1% a year over 3 filed years; profitable in 1 of 3.

weight 22% of this tense · 72nd percentile among 104 sector filers · read for its customers

From the record

Klarna Group plc's 3 filed years say what it did: revenue went from $2.3 billion in fiscal 2023 to $3.5 billion in fiscal 2025, up 24.1% a year; it rose in 2 of 2 years; it never fell from a peak; net income was positive in 1 of 3 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span24.1%top 45% of its family
  • the share of years revenue rosetop 13% of its family
  • the share of filed years with a profittop 43% of its family
  • the deepest fall from a revenue peak0.0%top 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
4.8/10

How has it treated the people who own it?

Share count grew 1.2% a year. 0% of cash flow returned. Insiders: 0 sales, 1 purchases.

weight 33% of this tense · 48th percentile among 53 sector filers · read for its shareholders

From the record

Over the 2 fiscal years to 2025-12-31, Klarna Group plc's diluted share count grew about 1.2% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 1 purchase of their own stock on the open market in the year to 2026-10-30, buying about $10 million (their Form 4 filings).

What it rests on

  • the share count over the yearstop 26% of its family
  • cash returned against operating cash flowbottom 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.9/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
5.2/10

Is it financially healthy right now?

ROE -10%: lost 10¢ per shareholder dollar. Leverage 86%: owes 86¢ per asset dollar.

weight 45% of this tense · 52nd percentile among 117 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Klarna Group plc lost about 10 cents for every dollar of shareholders' money. Leverage: it owed about 86 cents per dollar of assets, and net share issuance: its share count grew 1.7% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 17% of its family
  • return on equitytop 41% of its family
  • the share count against the year beforetop 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
7.2/10

How strong is its position in its industry?

top 28% of 114 in its family; net margin -7.8%.

weight 33% of this tense · 72nd percentile among 114 sector filers · read for its customers

From the record

Klarna Group plc's standing among 114 graded names in its industry family: revenue of $3.5 billion in fiscal 2025 ranks in the top 5% by size; a net margin of -7.8% ranks in the top 38%; revenue growth of 24.1% a year over the last 2 filed years ranks in the top 40% (its annual reports).

What it rests on

  • revenue against the family$3.51Btop 5% of its family
  • net margin-7.8%top 38% of its family
  • three-year revenue growth24.1%top 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
5.5/10

What are the people in charge doing?

SI estimate 5.5/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 74 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-12 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 74 members with one.
What the record cannot read
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-12 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
family median, 74 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Klarna Group plc's leadership is put at 5.5 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-12 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 74 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.9/1025% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

as filed
6.6/10

How much room does it have to grow?

top 34% of 108 in its family for room to expand.

weight 33% of this tense · 66th percentile among 108 sector filers · read for itself

From the record

Klarna Group plc's room to grow, from the newest filed statements (fiscal 2025): cash of $3.8 billion against no long-term debt tagged leaves 20.2% of its assets as net cash, top 23% of its family; cash from operations less capital spending is -29.5% of revenue (top 44%) (its annual report).

What it rests on

  • cash less debt against assets20.2%top 23% of its family
  • cash from operations less capital spending against revenue-29.5%top 44% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.4/10

What could actually drive growth from here?

top 36% of 100 in its family for growth drivers.

weight 33% of this tense · 64th percentile among 100 sector filers · read for its customers

From the record

Klarna Group plc's growth drivers, from the filed years to fiscal 2025: revenue grew 24.1% a year over the last three filed years against 24.1% over all 3, speeding up (top 42% of its family); the newest year grew 24.8% (top 38%); capital spending grew 73.1% a year (top 28%) (its annual reports). Klarna Group plc tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+0.0 points a yeartop 42% of its family
  • the newest year's revenue growth24.8%top 38% of its family
  • three-year growth of capital spending73.1%top 28% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

SI estimate
4.8/10

Did its newest year beat what its own record pointed to?

SI estimate 4.8/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 78 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 78 members with one.
What the record cannot read
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned
family median, 78 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Klarna Group plc's expectations vs reality is put at 4.8 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 78 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton KLAR · research, not advice