Welcome to our dedicated page for Klarna Group plc SEC filings (Ticker: KLAR), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Klarna Group plc filings document foreign issuer current reports, financial results and business updates for its digital banking and flexible payments operations. The company’s Form 6-K reports furnish earnings releases, interim condensed consolidated financial statements, investor presentations, press releases and selected historical financial data.
The filings also include exhibit disclosures and forward-looking-statement risk language covering operating results, financial position, strategy, market growth and competition in a rapidly changing payments environment. Some Form 6-K materials are incorporated by reference into Form S-8 registration statements, linking periodic financial and business disclosures to the company’s public-company registration record.
Klarna Group plc filed its annual Form 20-F, outlining how its growth-focused business model, funding structure and risk profile are evolving. The company highlights a shift from long profitability to recent volatility, with a net profit of $21 million in 2024 but net losses of $273 million in 2025 and $244 million in 2023 as it expanded into new markets, particularly the United States.
Klarna emphasizes reliance on consumer deposits for funding: in the year ended December 31, 2025, about 90% of funding came from consumer deposits totaling $13 billion, while funding costs increased from $297 million in 2023 to $667 million in 2025. Management stresses the importance of its ML-based underwriting, noting U.S. provision for credit losses as a percentage of GMV declined from about 3.6% in 2021 to about 0.63% in 2025, even as U.S. GMV grew roughly 213%.
The filing details extensive risks: dependence on merchant relationships and brand, intense competition from banks, card networks and fintechs, regulatory and licensing complexity across jurisdictions, heavy use of AI and ML with emerging legal requirements such as the EU AI Act and GDPR, unsecured consumer credit exposure of $15.2 billion as of December 31, 2025, and sensitivity to macroeconomic conditions, interest rates and funding markets. Klarna also notes operational dependence on key partners such as card networks, banks, cloud providers and payment processors, and explains that acquisitions, geographic expansion and product innovation (including advertising and new payment solutions) add execution, integration and regulatory risk.
Klarna Group plc submitted a Form 6-K noting that it has furnished an earnings presentation for the year ended December 31, 2025 as an exhibit. The presentation includes forward-looking statements about strategy, market growth, financial outlook and future operations, all subject to significant risks and uncertainties.
The company explains its use of non-IFRS measures such as transaction margin dollars, transaction margin, adjusted operating profit (loss) and adjusted operating margin, which are intended to help assess operational performance but should be viewed in addition to IFRS results. The filing also describes how like-for-like metrics are adjusted for a prior business sale and foreign currency effects.
Klarna Group plc reported a breakout fourth quarter of 2025, delivering its first billion‑dollar revenue quarter while still posting a small net loss. Total Q4 revenue rose 38% year-over-year to $1.082 billion as gross merchandise volume increased 32% to $38.7 billion, both above guidance.
Growth was driven by Klarna’s shift from pure payments to a broader digital banking model. Banking consumers doubled to 15.8 million and now generate $107 in revenue per user versus $30 for the average consumer. Fair Financing GMV jumped 165% to $4.5 billion and Klarna Card volume grew 209%, with 4.2 million active card users. Transaction margin dollars increased 17% to $372 million, while provisions for credit losses fell to 0.65% of GMV from 0.72% in Q3, reflecting stable credit performance. Operating leverage continued: since Q4 2022, revenue has grown 104% while operating expenses declined 8%, helping reduce the quarterly operating loss to $11 million despite continued upfront provisioning and investment in technology.
Klarna Group plc disclosed that co-founder and CEO Sebastian Siemiatkowski beneficially owns 28,555,512 ordinary shares, representing 7.49% of the company’s ordinary shares outstanding. This percentage is based on 377,255,045 ordinary shares outstanding as of September 30, 2025. The holding includes ordinary shares owned through entities he controls, Double Sunday AB and Flat Capital AB (publ), as well as ordinary shares issuable from currently exercisable options, including Class C options. On October 30, 2025, Flat Capital AB (publ) acquired all shares previously held by Double Sunday AB. In addition, he beneficially owns 24,651,816 non-transferable Class B shares, each carrying 10 votes per share but not convertible into ordinary shares and subject to automatic conversion into non-voting deferred shares in certain situations.
Klarna Group plc disclosed that co-founder and CEO Sebastian Siemiatkowski beneficially owns 28,555,512 ordinary shares, representing 7.49% of the company’s ordinary shares outstanding. This percentage is based on 377,255,045 ordinary shares outstanding as of September 30, 2025. The holding includes ordinary shares owned through entities he controls, Double Sunday AB and Flat Capital AB (publ), as well as ordinary shares issuable from currently exercisable options, including Class C options. On October 30, 2025, Flat Capital AB (publ) acquired all shares previously held by Double Sunday AB. In addition, he beneficially owns 24,651,816 non-transferable Class B shares, each carrying 10 votes per share but not convertible into ordinary shares and subject to automatic conversion into non-voting deferred shares in certain situations.
Klarna Group plc disclosed that co-founder and CEO Sebastian Siemiatkowski beneficially owns 28,555,512 ordinary shares, representing 7.49% of the company’s ordinary shares outstanding. This percentage is based on 377,255,045 ordinary shares outstanding as of September 30, 2025. The holding includes ordinary shares owned through entities he controls, Double Sunday AB and Flat Capital AB (publ), as well as ordinary shares issuable from currently exercisable options, including Class C options. On October 30, 2025, Flat Capital AB (publ) acquired all shares previously held by Double Sunday AB. In addition, he beneficially owns 24,651,816 non-transferable Class B shares, each carrying 10 votes per share but not convertible into ordinary shares and subject to automatic conversion into non-voting deferred shares in certain situations.
Klarna Group plc filed a Form 6-K to furnish its unaudited interim condensed consolidated financial statements for the three and nine-month periods ended September 30, 2025. These financial statements are provided as Exhibit 99.1, and an updated investor presentation is included as Exhibit 99.2. The interim financial statements and related information, other than the investor presentation, are incorporated by reference into Klarna’s existing Form S-8 employee benefit registration statement, which means they now form part of the disclosure record available to market participants.
Klarna Group plc filed a Form 6-K to furnish its unaudited interim condensed consolidated financial statements for the three and nine-month periods ended September 30, 2025. These financial statements are provided as Exhibit 99.1, and an updated investor presentation is included as Exhibit 99.2. The interim financial statements and related information, other than the investor presentation, are incorporated by reference into Klarna’s existing Form S-8 employee benefit registration statement, which means they now form part of the disclosure record available to market participants.
Klarna Group plc filed a Form 6-K to furnish its unaudited interim condensed consolidated financial statements for the three and nine-month periods ended September 30, 2025. These financial statements are provided as Exhibit 99.1, and an updated investor presentation is included as Exhibit 99.2. The interim financial statements and related information, other than the investor presentation, are incorporated by reference into Klarna’s existing Form S-8 employee benefit registration statement, which means they now form part of the disclosure record available to market participants.
Klarna Group plc submitted a Form 6-K to provide investors with its latest financial communications. The company furnished an earnings release for the three- and nine-month periods ended September 30, 2025 as an exhibit, along with a press release summarizing third quarter 2025 financial results and a business update. Klarna also included a spreadsheet of select historical financial results, giving readers access to key data in tabular form. These materials are attached as exhibits to the report and are intended to update the market on Klarna’s recent performance.
Klarna Group plc submitted a Form 6-K to provide investors with its latest financial communications. The company furnished an earnings release for the three- and nine-month periods ended September 30, 2025 as an exhibit, along with a press release summarizing third quarter 2025 financial results and a business update. Klarna also included a spreadsheet of select historical financial results, giving readers access to key data in tabular form. These materials are attached as exhibits to the report and are intended to update the market on Klarna’s recent performance.
Klarna Group plc submitted a Form 6-K to provide investors with its latest financial communications. The company furnished an earnings release for the three- and nine-month periods ended September 30, 2025 as an exhibit, along with a press release summarizing third quarter 2025 financial results and a business update. Klarna also included a spreadsheet of select historical financial results, giving readers access to key data in tabular form. These materials are attached as exhibits to the report and are intended to update the market on Klarna’s recent performance.
Heartland A/S, Aktieselskabet af 20.3.2020, and Anders Holch Povlsen disclosed a passive stake in Klarna Group plc via a Schedule 13G. The group reports beneficial ownership of 29,652,586 Ordinary Shares, representing 7.86% of the class.
The ownership percentage is calculated using 377,489,269 Ordinary Shares outstanding as of November 4, 2025, as provided by the issuer. The filing shows 0 shares with sole voting or dispositive power and 29,652,586 with shared voting and shared dispositive power. The securities are directly held by Aktieselskabet af 20.3.2020, and Heartland A/S and Mr. Povlsen may be deemed to share voting and dispositive control. The event date triggering the filing is September 30, 2025.
Sequoia Capital–affiliated entities filed a Schedule 13G reporting beneficial ownership of 55,029,211 Klarna Group plc ordinary shares, representing 14.6% of the class, based on 377,255,045 ordinary shares outstanding following completion of the IPO. The filing lists no sole voting or dispositive power; all reported powers are shared across the referenced funds and managers.
Key components include SEQUOIA CAPITAL GF IV SWEDEN, L.P. with 32,644,255 shares (8.7%) and SC US (TTGP), Ltd. as the general partner over multiple funds aggregating the 14.6% stake. The reporting persons also hold an equivalent number of Klarna Class B shares, each entitled to 10 votes per share. Class B shares are not transferable, are not exchangeable or convertible into ordinary shares, and in specified circumstances automatically convert into deferred shares without voting rights.
Klarna Group plc received a Schedule 13G reporting that Victor Jacobsson, together with affiliated entities, beneficially owns 24,113,490 Ordinary Shares, representing 6.4% of the class. He holds sole voting and dispositive power over 1,200 shares and shared voting and dispositive power over 24,112,290 shares.
The stake spans multiple vehicles, including Lux Horizon Holding S.a r.l. (14,979,264), Kraftdalen Holding AB (3,192,444), Northbridge S.a r.l. (2,959,176), and TTS Pass AB (1,358,389), among others with smaller positions. Several holdings reflect sales in the IPO, the underwriters’ full option exercise, and post‑IPO distributions to limited partners. 377,255,045 Ordinary Shares were outstanding as of IPO completion, as reported in the final prospectus.