Klarna Group plc Financials
This page shows Klarna Group plc (KLAR) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Klarna Group plc's revenue surged 24.8% year-over-year to $3.5B, reflecting rapid business expansion. This strong growth earns a score of 100/100.
Klarna Group plc has elevated debt relative to equity (D/E of 6.00), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
While Klarna Group plc generated -$1.0B in operating cash flow, capex of $3.0M consumed most of it, leaving -$1.0B in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
Klarna Group plc generates a -10.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is down from 0.9% the prior year.
Klarna Group plc passes 0 of 9 financial strength tests. No profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Klarna Group plc generates $3.78 in operating cash flow (-$1.0B OCF vs -$273.0M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Klarna Group plc generated $3.5B in revenue in fiscal year 2025. This represents an increase of 24.8% from the prior year.
Klarna Group plc generated -$1.0B in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 276.6% from the prior year.
Klarna Group plc reported -$273.0M in net income in fiscal year 2025. This represents a decrease of 1400.0% from the prior year.
Klarna Group plc held $3.8B in cash against $0 in long-term debt as of fiscal year 2025.
Klarna Group plc had 378M shares outstanding in fiscal year 2025.
Klarna Group plc's net profit margin was -7.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 8.5 percentage points from the prior year.
Klarna Group plc's ROE was -10.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 11.1 percentage points from the prior year.
Klarna Group plc invested $3.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 200.0% from the prior year.
KLAR Income Statement
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Revenue | N/A | N/A |
| Cost of Revenue | N/A | N/A |
| Gross Profit | N/A | N/A |
| R&D Expenses | N/A | N/A |
| SG&A Expenses | N/A | N/A |
| Operating Income | N/A | N/A |
| Interest Expense | N/A | N/A |
| Income Tax | N/A | N/A |
| Net Income | N/A | N/A |
| EPS (Diluted) | N/A | N/A |
KLAR Balance Sheet
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Total Assets | $18.8B+36.2% | $13.8B |
| Current Assets | N/A | N/A |
| Cash & Equivalents | $3.8B+17.3% | $3.2B |
| Inventory | N/A | N/A |
| Accounts Receivable | N/A | N/A |
| Goodwill | $685.0M+11.7% | $613.0M |
| Total Liabilities | $16.1B+39.5% | $11.5B |
| Current Liabilities | N/A | N/A |
| Long-Term Debt | N/A | N/A |
| Total Equity | $2.7B+18.9% | $2.3B |
| Retained Earnings | $2.2B+204.3% | -$2.1B |
KLAR Cash Flow Statement
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Operating Cash Flow | N/A | N/A |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | N/A | N/A |
| Investing Cash Flow | N/A | N/A |
| Financing Cash Flow | N/A | N/A |
| Dividends Paid | N/A | N/A |
| Share Buybacks | N/A | N/A |
KLAR Financial Ratios
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Gross Margin | N/A | N/A |
| Operating Margin | N/A | N/A |
| Net Margin | N/A | N/A |
| Return on Equity | N/A | N/A |
| Return on Assets | N/A | N/A |
| Current Ratio | N/A | N/A |
| Debt-to-Equity | 6.00+0.9 | 5.12 |
| FCF Margin | N/A | N/A |
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Frequently Asked Questions
What is Klarna Group plc's annual revenue?
Klarna Group plc (KLAR) reported $3.5B in total revenue for fiscal year 2025. This represents a 24.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Klarna Group plc's revenue growing?
Klarna Group plc (KLAR) revenue grew by 24.8% year-over-year, from $2.8B to $3.5B in fiscal year 2025.
Is Klarna Group plc profitable?
No, Klarna Group plc (KLAR) reported a net income of -$273.0M in fiscal year 2025, with a net profit margin of -7.8%.
What is Klarna Group plc's net profit margin?
Klarna Group plc (KLAR) had a net profit margin of -7.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Klarna Group plc's return on equity (ROE)?
Klarna Group plc (KLAR) has a return on equity of -10.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Klarna Group plc's free cash flow?
Klarna Group plc (KLAR) generated -$1.0B in free cash flow during fiscal year 2025. This represents a -276.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Klarna Group plc's operating cash flow?
Klarna Group plc (KLAR) generated -$1.0B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Klarna Group plc's total assets?
Klarna Group plc (KLAR) had $18.8B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Klarna Group plc's capital expenditures?
Klarna Group plc (KLAR) invested $3.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How many shares does Klarna Group plc have outstanding?
Klarna Group plc (KLAR) had 378M shares outstanding as of fiscal year 2025.
What is Klarna Group plc's debt-to-equity ratio?
Klarna Group plc (KLAR) had a debt-to-equity ratio of 6.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Klarna Group plc's return on assets (ROA)?
Klarna Group plc (KLAR) had a return on assets of -1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Klarna Group plc's cash runway?
Based on fiscal year 2025 data, Klarna Group plc (KLAR) had $3.8B in cash against an annual operating cash burn of $1.0B. This gives an estimated cash runway of approximately 44 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Klarna Group plc's Piotroski F-Score?
Klarna Group plc (KLAR) has a Piotroski F-Score of 0 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Klarna Group plc's earnings high quality?
Klarna Group plc (KLAR) has an earnings quality ratio of 3.78x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Klarna Group plc?
Klarna Group plc (KLAR) scores 25 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.