Klarna Group KLAR
United KingdomFinancial Services · Credit ServicesUSD
19.54 USD (+47.5%)
21 analysts
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Klarna Group plc is a Swedish fintech company offering digital payment services and consumer credit, primarily through its 'buy now, pay later' (BNPL) model, which allows consumers to split payments at online and physical stores.
Key points
from its scores- ✓Strong growth9.2
- ✕Fragile balance sheet0.0
- ✕Poor share-price trend0.3
- ✕Little competitive advantage1.1
AI analysis
bottom line, main risk, context and newsThe stock is in a consolidation phase and requires evidence of margin improvement before considering an entry.
Klarna shows very strong revenue growth (26.60%), but its profitability is poor (ROE -4.29%, net margin -3.52%) and its valuation is moderate (forward P/E 16.60). Momentum is very negative (-64.35%), reflecting market skepticism about its ability to achieve sustainable profitability in a rising rate environment.
The main risk is Klarna's inability to convert its rapid revenue growth into sustainable profits, compounded by regulatory pressure on the BNPL sector and tighter financial conditions in Europe.
Context and risks
Klarna operates in the consumer credit sector, an area under regulatory scrutiny in the UK and EU, with emerging rules on 'buy now, pay later' (BNPL) loans that could affect its business model. Domicile in the UK adds moderate governance risk, although the company is publicly listed with reasonable transparency standards.
Is Klarna Group stock cheap or expensive?
at the analysis dateOn Price / book, it trades in line with the Financial Services median (within 15%).
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| Price / book | 2.1 | 1.9 | +11% |
| Price / sales | 1.2 | 3.5 | −64% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 3.1 out of 10 (median for Financial Services: 5.2).
Average analyst target: 19.54 USD, +47.5% versus the price.
Classic formulas with standard assumptions (5.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- Forward P/E
- 16.6
- EV / EBITDA
- −109.3
- Price / book
- 2.1
- Price / sales
- 1.2
- PEG
- 0.08
- Market cap
- 5.0B USD
- Enterprise value
- 2.2B USD
Profitability
- ROE
- −4.3%
- ROA
- −0.1%
- ROIC (approx.)
- 2.9%
- Gross margin
- 36.8%
- Operating margin
- 3.0%
- Net margin
- −3.5%
- Free cash flow
- 798.4M USD
- FCF yield
- 15.9%
Solvency
- Total debt
- 1.8B USD
- Net debt
- −3.1B USD
- Cash
- 4.8B USD
- EBITDA
- −20.0M USD
- Net debt / EBITDA
- 153.10
- Debt / equity
- 65.72
- Current ratio
- 23.15
- Quick ratio
- 22.34
Growth
- Revenue growth
- +26.6%
- EPS (TTM)
- −0.52 USD
- EPS (forward)
- 0.80 USD
Dividend
- Dividend yield
- 0.0%
- Payout
- 0.0%
Risk and market
- Analyst consensus
- Buy (21)
- Target price
- 19.54 USD
- 52-week range
- 12.06 – 44.75
Recent news
All KLAR news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Klarna Group
Is Klarna Group stock cheap or expensive?
On Price / book, it trades in line with the Financial Services median (within 15%). Valuation score: 3.1 out of 10 (median for Financial Services: 5.2). Average analyst target: 19.54 USD, +47.5% versus the price. This is not investment advice.
What score does Klarna Group get on MeridIAn Screener?
It scores 2.6 out of 10, rank 2,104 of 2,130 (better than 1% of the companies analysed). Its strongest category is Growth (9.2) and its weakest, Financial health (0.0). Analysis of 08/10/2026.
How much is Klarna Group worth on the stock market?
Its market capitalisation is 5.0B USD.
Does Klarna Group pay a dividend?
It pays no dividend, or almost none.
How has Klarna Group stock performed over the last year?
It has fallen 65.8% over the last year, excluding dividends. Over the last 52 weeks it has traded between 12.06 and 44.75 USD. Past performance does not guarantee future results.
What do analysts think of Klarna Group?
21 analysts cover it; their average recommendation is “Buy” and their average target is 19.54 USD (+47.5% versus the price). It is an estimate, not market data.