---
title: "Klarna Group plc (KLAR.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/KLAR.US.md"
symbol: "KLAR.US"
name: "Klarna Group plc"
industry: "Transaction and Payment Processing Services"
datetime: "2026-05-01T04:20:20.365Z"
locales:
  - [en](https://longbridge.com/en/quote/KLAR.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/KLAR.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/KLAR.US.md)
---

# Klarna Group plc (KLAR.US)

## Company Overview

Klarna Group plc operates as a digital bank and flexible payments provider in the United Kingdom, the United States, Germany, Sweden, and internationally. The company provides payment solutions, such as pay in full solution that settles purchases at time of the transaction; pay later solution that enables customers to purchase goods and services at the time of the transaction and pay the full amount at a later date; and fair financing that allows consumers to pay for their purchase over a long duration ranges from three to 48 months. It also offers advertising solutions that include sponsored search, affiliate programs, and brand advertisement; digital retail banking solutions, such as deposit and saving account, financial insights, and Klarna balance that allow consumer to hold monetary balance with Klarna balance solutions; and payment channels, including Klarna payment, Klarna app, Klarna card, and Klarna in-store. Additionally, the company provides membership programs, product search and price comparison, cashback offers and merchant deals, loyalty cards, wish lists, delivery tracking and returns, AI-enabled support, Klarna memberships, Klarna merchant portal, and on-site messaging solutions.

| Item | Detail |
|------|--------|
| Industry | Transaction and Payment Processing Services |
| Exchange | US Market |
| Website | [www.klarna.com](https://www.klarna.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-04-30T04:30:18.000Z

**Overall: C (0.55)**

**Industry**: Transaction and Payment Processing Services

| Metric | Value |
|--------|-------|
| Industry Ranking | 23 / 49 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 24.83% |  |
| Net Profit YoY | -9900.00% |  |
| P/B Ratio | 3.79 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 9497974956.54 |  |
| Revenue | 3509000000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | -12.80% | D |
| Profit Margin | -8.38% | D |
| Gross Margin | 48.42% | B |
| Revenue YoY | 24.83% | A |
| Net Profit YoY | -9900.00% | E |
| Total Assets YoY | 36.17% | A |
| Net Assets YoY | 18.92% | A |
| Cash Flow Margin | 351.02% | A |
| OCF YoY | 24.83% | A |
| Turnover | 0.22 | D |
| Gearing Ratio | 85.72% | E |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Klarna Group plc",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "24.83%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "-9900.00%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "3.79",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "9497974956.54",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "3509000000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "-12.80%",
          "rating": "D"
        },
        {
          "name": "Profit Margin",
          "value": "-8.38%",
          "rating": "D"
        },
        {
          "name": "Gross Margin",
          "value": "48.42%",
          "rating": "B"
        },
        {
          "name": "Revenue YoY",
          "value": "24.83%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "-9900.00%",
          "rating": "E"
        },
        {
          "name": "Total Assets YoY",
          "value": "36.17%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "18.92%",
          "rating": "A"
        },
        {
          "name": "Cash Flow Margin",
          "value": "351.02%",
          "rating": "A"
        },
        {
          "name": "OCF YoY",
          "value": "24.83%",
          "rating": "A"
        },
        {
          "name": "Turnover",
          "value": "0.22",
          "rating": "D"
        },
        {
          "name": "Gearing Ratio",
          "value": "85.72%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | -33.41 | 45/49 | - | - | - |
| PB | 3.92 | 24/49 | 6.31 | 4.79 | 3.95 |
| PS (TTM) | 2.80 | 28/49 | 4.90 | 3.66 | 2.82 |
| Dividend Yield | 0.00% | - | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Toast (TOST.US) | B | A | A | B | B | A |
| 02 | Paymentus (PAY.US) | B | A | A | A | A | A |
| 03 | Mastercard (MA.US) | A | B | B | E | B | B |
| 04 | Adyen N.V. (ADYEY.US) | A | B | D | D | B | B |
| 05 | Jack Henry & Associates (JKHY.US) | A | B | B | B | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-04-26T04:00:00.000Z

Total Analysts: **19**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 11 | 58% |
| Overweight | 2 | 11% |
| Hold | 6 | 32% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 13.92 |
| Highest Target | 45.00 |
| Lowest Target | 14.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/KLAR.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/KLAR.US/norm.md)
- [Related News](https://longbridge.com/en/quote/KLAR.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/KLAR.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**