[Form 3] Klarna Group plc Initial Statement of Beneficial Ownership

Rhea-AI Filing Summary

Klarna Group plc director Markus Villig reported his initial beneficial ownership, consisting entirely of stock options. He holds Klarna Group plc options representing the right to acquire 60,901 ordinary shares at an exercise price of $40.00 per share. These options vest in four equal annual installments starting on the first anniversary of the grant date and expire on March 11, 2031.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Villig Markus

Role Director

Type	Security	Shares	Price	Value
holding	Klarna Group plc Options	--	--	--

Holdings After Transaction: Klarna Group plc Options — 60,901 shares (Direct)

Footnotes (1)

1. [object Object]

Key Figures

Underlying shares: 60,901 shares Exercise price: $40.00 per share Expiration date: March 11, 2031 +1 more

4 metrics

Underlying shares 60,901 shares Underlying Klarna Group plc ordinary shares for reported options

Exercise price $40.00 per share Exercise price of Klarna Group plc options

Expiration date March 11, 2031 Option expiration for Klarna Group plc options

Vesting schedule Four equal annual installments Vesting begins on first anniversary of grant date

Key Terms

Form 3, Klarna Group plc Options, underlying security, vesting, +1 more

5 terms

Form 3 regulatory

"Markus Villig reported initial beneficial ownership in a Form 3 filing."

Form 3 is the initial public filing that officers, directors and large shareholders must submit to report their ownership of a company’s securities when they become insiders. It acts like an opening inventory sheet that gives investors a starting point to see who holds significant stakes and to spot later trades or potential conflicts of interest, helping assess insider confidence and transparency.

Klarna Group plc Options financial

"The security title is listed as Klarna Group plc Options."

underlying security financial

"The underlying security title is Klarna Group plc ordinary shares."

vesting financial

"Options vest in four equal annual installments starting from the first anniversary."

Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.

expiration date financial

"The options carry an expiration date of March 11, 2031."

The expiration date is the deadline after which a financial contract, such as an option or a futures agreement, is no longer valid or can be exercised. It matters to investors because it determines the timeframe during which they can take action or benefit from the contract, similar to how a coupon or a food item has a limited period of usefulness. Once the expiration date passes, the contract loses its value or ability to be used.

Understanding Insider Trading Forms →

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

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Villig Markus

(Last) (First) (Middle)

10 YORK ROAD

(Street)

LONDON SE1 7ND

(City) (State) (Zip)

UNITED KINGDOM

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
03/31/2026

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

3a. Foreign Trading Symbol

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

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

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

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)

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)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Klarna Group plc Options	09/11/2026	03/11/2031	Klarna Group plc ordinary shares	60,901	$40(1)	D

Explanation of Responses:

1. Represents an option to acquire Shares that vest in four equal annual installments starting from the first anniversary of the grant date.

	Boudien Moerman, as attorney-in-fact	03/31/2026
	** 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.
* Form 3: SEC 1473 (03-26)

FAQ

What did Markus Villig report in his Klarna (KLAR) Form 3 filing?

Markus Villig reported initial beneficial ownership of Klarna Group plc options. These options allow him to acquire 60,901 ordinary shares at a fixed exercise price, providing potential future equity exposure if he chooses to exercise them.

How many Klarna (KLAR) shares are covered by Markus Villig’s options?

The reported options are exercisable for 60,901 Klarna Group plc ordinary shares. This figure reflects the full underlying share amount tied to the options position disclosed in the Form 3 filing for Markus Villig.

What is the exercise price of Markus Villig’s Klarna (KLAR) options?

The options reported by Markus Villig carry an exercise price of $40.00 per underlying Klarna Group plc ordinary share. This is the price he would pay per share if he exercises the options in the future.

When do Markus Villig’s Klarna (KLAR) options vest?

The options vest in four equal annual installments starting on the first anniversary of the grant date. This means his right to exercise the options increases gradually each year over a four-year period, subject to continued eligibility.

When do Markus Villig’s Klarna (KLAR) options expire?

The disclosed Klarna Group plc options held by Markus Villig expire on March 11, 2031. After this expiration date, any unexercised portion of the options will no longer be exercisable for Klarna ordinary shares.