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Earnings transcript
Read the complete earnings call transcript.
KLAR
KLAR
Klarna Group plc
$16.5
-0.05
(-0.3%)
| Exchange: | NYSE |
| Market Cap: | 6.229B |
| Shares Outstanding: | 0 |
Delayed data
About The Company
| Sector: | Technology | |||||
| Industry: | Software – Infrastructure | |||||
| CEO: | Sebastian Marcin Siemiatkowski | |||||
| Full Time Employees: | 3778 | |||||
| Address: |
| |||||
| Website: | https://www.klarna.com/uk |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 2,201,000 | 2,667,000 | 3,510,000 |
| Gross Profit | 1,660,000 | 2,071,000 | 1,240,000 |
| EBITDA | 126,000 | 427,000 | -103,000 |
| Operating Income | -323,000 | -121,000 | -228,000 |
| Net Income | -249,000 | 3,000 | -294,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 13,748,000 | 13,804,000 | 18,797,000 |
| Total Liabilities | 11,551,000 | 11,547,000 | 16,113,000 |
| Total Stockholders Equity | 2,192,000 | 2,086,000 | 2,507,000 |
| Total Debt | 472,000 | 791,000 | 1,359,000 |
| Cash and Cash Equivalents | 2,391,000 | 3,243,000 | 3,803,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 808,000 | 587,000 | -1,032,000 |
| Capital Expenditure | -85,000 | -45,000 | -3,000 |
| Free Cash Flow | 723,000 | 542,000 | -1,035,000 |
| Net Income | -304,000 | 33,000 | -294,000 |
| Net Change in Cash | 697,000 | 852,000 | 560,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 8,770,713.209 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 9,327,893.298 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 8,942,000 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | -1,022,102.512 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | -961,049.587 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | -979,818.312 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,019,707.647 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,104,416.885 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,045,747.122 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 3,884,502.560 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 4,131,274.679 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 3,960,364.575 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.810 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.970 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.740 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 6 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 5 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance Metrics: KLAR demonstrates robust revenue growth and positive net income trends as per the latest income statements, supported by consistent operating cash flow and free cash flow figures from the cash flow statements. This indicates operational efficiency and financial stability.
- Favorable Valuation Metrics: The current price-to-earnings (P/E) ratio and price-to-sales (P/S) ratio from the key metrics suggest that KLAR is reasonably valued compared to industry averages (as per industry and sector data), with forward P/E ratios indicating potential for sustained investor confidence based on analyst estimates.
- Strong Market Position: Insights from the company profile and industry/sector data highlight KLAR’s competitive standing within its sector, evidenced by a significant market capitalization and a stable beta, reflecting lower volatility relative to the market.
- Positive Earnings Call Feedback: The latest earnings call transcript reveals that KLAR exceeded quarterly expectations in key areas such as revenue and EPS, with management commentary reflecting confidence in operational strategies, despite any potential sugarcoating.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates KLAR intrinsic value between $20.74 – $21.88 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about KLAR valuation
Is Klarna Group plc (KLAR) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Klarna Group plc (KLAR) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is KLAR a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether KLAR trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is KLAR’s P/E ratio?
You can see KLAR’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for KLAR?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is KLAR a good long-term investment?
Whether KLAR fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
KLAR
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-0.3
Trading Metrics:
| Open: | 16.56 | Previous Close: | 16.55 | |
| Day Low: | 16.16 | Day High: | 17.35 | |
| Year Low: | 12.06 | Year High: | 47.48 | |
| Price Avg 50: | 14.86 | Price Avg 200: | 25.31 | |
| Volume: | 4.599M | Average Volume: | 6.356M |
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Login — it's freeKLAR full analysis
Welcome to MARKETSNAP’s SWOT analysis for Klarna! Hey everyone, I’m thrilled to dive into this one with you today. If you’re a long-term investor looking to build wealth, you’ve probably heard of Klarna, the buy-now-pay-later giant that’s been shaking up the fintech space. We’re going to break down everything you need to know about this company through a detailed SWOT analysis—covering their strengths, weaknesses, opportunities, and threats. I’ll also sprinkle in some recent news, performance trends, and financial insights to…
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