Klarna

Klarna

BNPL online payments platform for merchants

Overview

Klarna provides online payment solutions that let shoppers buy now and pay later for purchases made in e-commerce. Its service enables customers to complete purchases immediately and defer payment to a later date, often with no interest if paid within a set period. It earns money by charging merchants a transaction fee and by offering extended payment plans that may include interest or fees. Klarna operates in markets across Europe, North America, and the Asia Pacific region, serving both individual consumers and online merchants. Its goal is to facilitate smoother transactions between shoppers and merchants by offering flexible payment options that can boost merchant sales and improve the shopping experience, while maintaining transparency about system status and reliability.

About Klarna

Simplify's Rating
Why Klarna is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Fintech

Financial Services

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Stockholms kommun, Sweden

Founded

2005

Get referred to Klarna

See people who can refer or advise you

Simplify Jobs

Simplify's Take

What believers are saying

  • Q2 2026 revenue rose 27% to $1.042 billion; net income turned positive.
  • U.S. GMV grew 27%; 30-day delinquencies improved and provisions fell to 0.52%.
  • Fair Financing GMV jumped 82%; memberships and card revenue lift margin dollars.

What critics are saying

  • August 18, 2026 guidance cut signaled weaker Germany and reduced 2026 revenue expectations.
  • CFO Niclas Neglén and CMO David Sandström exit in early 2027, risking execution.
  • BNPL credit losses can spike quickly; a recession or merchant pullback crushes economics.

What makes Klarna unique

  • Klarna pairs BNPL with cards, subscriptions, and financing across 1.2 million merchants.
  • August 2026 J.P. Morgan Payments integration opened Klarna checkout to U.S. merchants.
  • Klarna Card reached 6.5 million users; Apple Upgrade extends financing into devices.

Help us improve and share your feedback! Did you find this helpful?

Funding

Total Funding

$17.3B

Above

Industry Average

Funded Over

29 Rounds

Notable Investors:
Post IPO Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Post IPO Debt Funding Comparison
Coming Soon

Benefits

Company Equity

Stock Price

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

-2%
Yahoo Finance
Aug 20th, 2026
Klarna CFO and CMO to exit as fintech cuts outlook, seeks New York-based finance chief

Swedish buy now, pay later firm Klarna announced Tuesday that CFO Niclas Neglén and CMO David Sandström will depart early next year. Both executives will remain through planned transitions. Klarna is searching for a New York-based CFO as it focuses on the US market, having recently applied for an industrial loan company charter. CEO Sebastian Siemiatkowski said being closer to the investor relations community and stock market is important. Neglén joined Klarna in March 2021 after five years at HSBC's private bank. Sandström joined in April 2017. The company did not disclose reasons for their departures or announce a CMO replacement process. Klarna also revised its 2026 financial outlook downward Tuesday.

Yahoo Finance
Aug 18th, 2026
Klarna cuts outlook, CFO and CMO to exit as shares plunge 21%

Klarna cut its full-year revenue forecast to $4.08 billion-$4.16 billion from $4.34 billion and reduced its Gross Merchandise Volume outlook to $149 billion-$151 billion from $155 billion. The Swedish buy-now-pay-later firm also lowered its adjusted operating income guidance to $280 million-$300 million. The company announced that CFO Niclas Neglén and CMO David Sandström will leave their roles early next year. The news overshadowed quarterly results that exceeded analysts' expectations, with second-quarter earnings per share, revenue, and GMV all beating Visible Alpha consensus estimates. Klarna shares fell 21% following the announcement. The stock has lost nearly half its value since the beginning of the year.

Sifted
Aug 18th, 2026
Klarna loses two long-serving executives ahead of public listing

Klarna is losing two long-serving senior executives who will depart the Swedish fintech early next year. The exits represent another leadership reshuffle following the company's public listing. The departures continue a period of transition for Klarna as it navigates its post-IPO phase. The buy now, pay later company has undergone significant changes in its executive ranks.

StocksToTrade
Aug 18th, 2026
KLAR stock pulls back as traders eye support levels.

KLAR stock pulls back as traders eye support levels. TIM BOHEN - UPDATED AUG. 18, 2026, 9:19 AM ET Klarna Group plc stocks have been trading down by -19.68 percent amid heightened concerns over its mounting credit losses. Key takeaways. * Price action in KLAR shows a pullback from recent highs near $20, with volatility picking up on the daily chart. * Klarna Group plc carries a rich price-to-sales ratio around 4.2, signaling the market is already pricing in growth. * Balance sheet data for KLAR shows sizable receivables and solid cash, but also heavy current liabilities that traders must respect. * Intraday trading in KLAR reveals sharp morning swings, offering day-trading opportunities for prepared chart-watchers. Live Update At 09:18:35 EDT: On Tuesday, August 18, 2026 Klarna Group plc stock [NYSE: KLAR] is trending down by -19.68%! Discover the key drivers behind this movement as well as its expert analysis in the detailed breakdown below. Quick financial overview. KLAR has been on a steady ride higher over the past few weeks, moving from the mid-$17s to briefly testing above $20 before cooling off. The daily chart shows Klarna Group plc grinding higher with higher lows from 2026/07/24 through 2026/08/14, then failing to hold those upper levels on 2026/08/17 with a close near $19.51. That's a classic sign of momentum stalling, at least short term. On the fundamentals side, KLAR prints about $3.51B in revenue, with revenue per share near $9.30. The market is valuing Klarna Group plc at roughly 4.18 times sales and around 5.85 times book value, which is not cheap. That kind of valuation usually demands continued growth and cleaner profitability. The balance sheet shows total assets of about $18.8B, with $3.8B in cash and a big $11.8B pile in receivables. Current liabilities sit north of $15.7B, driven by deferred liabilities and current debt. For traders, that leverage profile and the negative recent return on capital (around -9.8%) say one thing clearly: KLAR is still a growth and execution story, not a safety play. Why traders are watching KLAR's price action. KLAR is the type of chart that grabs momentum traders: clear trend, expanding ranges, and emotional intraday swings. From 2026/07/24 around $17.36 to the recent highs above $20, Klarna Group plc has put in a solid multi-week run. That trend is visible in the stair-step pattern of higher lows: $17s to $18s, then $19s, finally probing low-$20s before the latest pullback. On 2026/08/17, KLAR traded between $20.87 and $19.23 and closed at $19.51. That wide daily range, right after failing to hold the prior high near $20.99 on 2026/08/14, hints at profit-taking and possible short-term exhaustion. For active traders, this is the battle zone: either KLAR builds a base in the high-$18s to low-$19s, or the stock unwinds more of the recent run. Intraday, the five-minute data shows how wild KLAR can be. Early in the premarket, it traded near $19.7, then around the 07:30 bar it flushed from roughly $18.9 down toward the mid-$16s in minutes. Later, it chopped between $15.5 and $16.2. That kind of volatility in Klarna Group plc is catnip for day traders who plan their entries, exits, and risk levels ahead of time. Put it all together and KLAR sits in a zone where both breakout traders and dip-buyers are watching. If Klarna Group plc reclaims and holds above $20 with volume, momentum traders will likely chase strength. If it cracks recent support levels, short-biased traders will look for a fade toward earlier base areas on the daily chart. Conclusion. KLAR combines a rich growth-style valuation with a leveraged, complex balance sheet and a fast-moving chart. Klarna Group plc shows strong top-line scale, but the negative recent return on capital and heavy current liabilities remind traders that the story still carries execution and credit risk. This is not a sleepy blue chip; it's a trading vehicle that rewards discipline and punishes hesitation. On the technical side, KLAR's run from the mid-$17s to above $20 has shifted into a cooling phase. The key for traders now is how Klarna Group plc behaves around recent support in the upper-$18s to low-$19s and whether intraday ranges stay wide. Tight consolidations near those levels could set up the next clean move, up or down. For newer traders studying KLAR, this is a live case study in momentum, overextension, and risk management. As Tim Sykes likes to say, "The market doesn't owe you anything - that's why you cut losses quickly and only trade the best setups." As Tim Bohen, lead trainer with StocksToTrade says, "There's a pattern in everything; you just have to stick around long enough to see it.", and KLAR's recent price action gives active traders a real-time chance to test that idea against a volatile, news-driven chart. Klarna Group plc is giving plenty of action, but the edge goes to traders who respect the levels, understand the financial backdrop, and stick to a written trading plan. This is stock news, not investment advice. StocksToTrade News delivers real-time stock market updates tailored to highlight the key catalysts driving short-term price movements. Its coverage is designed for active traders and investors who thrive in fast-moving markets, with a focus on volatile sectors like penny stocks, AI stocks, Robinhood stocks and other momentum plays. From earnings reports and FDA approvals to mergers, new contracts, and unusual trading volume, StocksToTrade, Inc. break down the events that can spark significant price action. Looking to level up your trading game? Explore StocksToTrade, the ultimate platform for traders. With powerful tools designed for swing and day trading, integrated news scanning, and even social media monitoring, StocksToTrade keeps you one step ahead. Once your watchlist is set, take the next step and trade with confidence using StocksToTrade's robust platform. Don't miss out - grab your 14-day trial for just $7 and experience the edge you need to thrive in today's fast-paced markets. The reason most people never start trading. Most people who look at trading talk themselves out of it for the same reason. Not because they lack discipline. Because they have a job, a family, and a life that doesn't leave room to watch a screen from 9:30 to 4:00. Millionaire trader Tim Sykes has spent 25+ years arguing that's a schedule problem, not a discipline problem, and he built a strategy around a specific window when the market is closed. One decision before the close on Friday afternoon. One decision Monday morning.

Yahoo Finance
Aug 18th, 2026
Klarna shares tumble 14% as FY revenue guidance misses estimates by $300M

Klarna shares fell 14.4% in premarket trading after the fintech company issued full-year revenue guidance below analyst expectations, despite beating second-quarter estimates. The company reported Q2 revenue of $1.04 billion, up 27% year-on-year and above the $992.82 million analyst consensus. Adjusted earnings per share of $0.01 also beat expectations. However, Klarna lowered its full-year 2026 revenue guidance to $4.08 billion to $4.16 billion. The midpoint of $4.12 billion fell well short of the $4.42 billion analyst consensus. The company cited approximately $600 million in currency translation headwinds and weaker German market volumes. Transaction margin dollars grew 42% year-on-year to $446 million. Klarna now serves over 120 million consumers, with revenue per active consumer growing 24%. The company also announced planned leadership transitions for its CFO and CMO, both taking effect in early 2027.

Recently Posted Jobs

Sign up to get curated job recommendations

There are no jobs for Klarna right now.

Find jobs on Simplify and start your career today

We update Klarna's jobs every few hours, so check again soon! Browse all jobs →