KLAR
TechnologyKlarna Group plc · Software - Infrastructure · $6B
What is Klarna Group plc?
Klarna Group plc is a technology-driven payments company operating across the UK, US, Germany, Sweden, and other international markets. It blends consumer finance, digital banking, and retail commerce tools into one platform.
Klarna generates revenue through buy-now-pay-later lending, advertising and marketing solutions for merchants, and digital banking products including savings accounts and fixed-term deposits. It also offers personal finance management tools and loyalty card services, connecting shoppers and retailers within a single ecosystem.
Founded in 2005 and headquartered in London, United Kingdom.
- Buy-now-pay-later consumer financing
- Merchant advertising and marketing solutions
- Digital banking and savings accounts
- Personal finance and shopping assistance tools
Is KLAR a Good Stock to Buy?
UQS Score rates KLAR as Below Average overall.
Growth stands out as the strongest pillar in Klarna's profile, reflecting expanding revenue streams across its payments and banking segments. Risk and Valuation both register as Neutral, suggesting neither extreme danger nor obvious mispricing relative to peers.
Quality and Moat are both rated Weak, indicating limited earnings durability and a competitive position that has yet to prove durable advantages over rivals.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does KLAR pay dividends?
No — Klarna Group plc does not currently pay a dividend.
Klarna does not currently pay a dividend. As a growth-oriented fintech, the company reinvests available resources into expanding its payments network, banking products, and merchant services rather than returning cash to shareholders.
When does KLAR report earnings?
Klarna Group reports earnings on a quarterly cadence, typical for internationally listed equities.
Klarna's growth pillar suggests the business has been expanding its top line, though profitability metrics remain a work in progress given the Weak Quality rating. Investors should monitor progress on path-to-profitability alongside revenue trends.
For the most recent quarter's results, visit Klarna Group's official investor relations page.
KLAR Price History
-60.3% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
Frequently Asked Questions
What does Klarna Group do?
Klarna is a payments and fintech company offering buy-now-pay-later financing, digital banking products, and merchant marketing tools. It connects consumers and retailers across multiple countries through a single technology platform.
Does KLAR pay dividends?
No, Klarna does not pay a dividend at this time. The company is focused on growth and reinvests capital into expanding its product suite and geographic reach rather than distributing cash to shareholders.
When does KLAR report earnings?
Klarna reports on a quarterly basis. Specific dates are not available through our data source. Check Klarna Group's investor relations page for the most current earnings schedule.
Is KLAR a good stock to buy?
UQS Score rates KLAR as Below Average, driven by Weak Quality and Moat scores. Growth is rated Good, which may appeal to certain investors, but the overall profile warrants careful review. See the full breakdown with a Pro membership.
Is KLAR overvalued?
Klarna's Valuation pillar is rated Neutral, suggesting the market is pricing the stock in line with its current fundamental profile — neither clearly cheap nor obviously expensive relative to sector peers.
What is KLAR's market cap bracket?
Klarna Group is classified as a mid-cap company based on current market capitalization.
Who founded Klarna Group?
Klarna was founded in 2005 in Stockholm, Sweden. The company was co-founded by Sebastian Siemiatkowski, Niklas Adalberth, and Victor Jacobsson. It has since grown into one of Europe's largest fintech companies.
Is KLAR a long-term quality investment?
As a long-term quality indicator, KLAR's Below Average UQS Score — anchored by Weak Quality and Moat ratings — suggests the business has not yet demonstrated the durable characteristics typically associated with high-quality long-term holdings. Growth trends are worth monitoring.
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Pro Analysis
KLAR — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 41.7 | 3.0 | 28.0 | 72.5 | 59.0 | 71.0 | +3.6 |
| May 10, 2026 | 38.1 | 0.0 | 28.0 | 72.6 | 36.9 | 73.4 | +0.1 |
| May 8, 2026 | 38.0 | 0.0 | 28.0 | 72.6 | 36.9 | 72.9 | -1.9 |
| May 7, 2026 | 39.9 | 3.1 | 28.0 | 72.6 | 59.9 | 57.9 | 0.0 |
| May 3, 2026 | 39.9 | 3.1 | 28.0 | 72.6 | 59.9 | 57.5 | -0.1 |
| May 2, 2026 | 40.0 | 3.1 | 28.0 | 72.6 | 59.9 | 58.2 | 0.0 |
| Apr 28, 2026 | 40.0 | 3.1 | 28.0 | 72.6 | 59.9 | 58.4 | -0.1 |
| Apr 26, 2026 | 40.1 | 3.1 | 28.0 | 72.6 | 59.9 | 58.7 | +0.4 |
| Apr 22, 2026 | 39.7 | 3.1 | 28.0 | 72.6 | 59.9 | 56.3 | -0.4 |
| Apr 21, 2026 | 40.1 | 3.1 | 28.0 | 72.6 | 59.9 | 59.1 | +0.4 |
KLAR — Pillar Breakdown
Quality
— 3.0/100 (25%)Klarna Group plc currently shows below-average quality metrics, suggesting challenges with profitability.
How effectively capital is deployed to generate returns.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Asset productivity — how much gross profit each dollar of assets generates.
Free cash flow relative to market value.
Growth
— 72.5/100 (20%)Klarna Group plc demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 59.0/100 (15%)Klarna Group plc maintains a reasonable risk profile with manageable debt levels.
Debt levels relative to earnings capacity.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 71.0/100 (15%)Klarna Group plc trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 28/100 (25%)Klarna Group plc operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for KLAR.
Score Composition
Financial Data
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How is the KLAR UQS Score Calculated?
The UQS (Unified Quality Score) for Klarna Group plc is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Klarna Group plc's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Klarna Group plc is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.