Symbols

KLAR

Klarna·NYSE

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KLAR fundamentals

KLAR Q4 2025 Earnings

Klarna (KLAR) released its earnings on Feb 19, 2026: revenue was 1.08B (YoY --), met estimates; EPS was -0.0695 (YoY --), missed estimates.

Revenue / YoY

1.08B

EPS / YoY

-0.0695

Report date

Feb 19, 2026

KLAR Earnings Call Summary for Q4,2025

Revenue Growth: Q4 2025 revenue up 38% YoY to $1.03B, GMV surging 165% YoY to $38.7B, driven by Fair Financing and partnerships.
Banking Expansion: Banking customers grew 101% YoY to 15.8M, with ARPU of $107 vs. $30 for non-banking users.
Profitability Dynamics: TMD up 17% YoY to $372M, but Q4 saw $40M headwind from Fair Financing provisions. 2026 TMD expected to stabilize as cohorts mature.
Credit Strength: Stable delinquency at 0.65% of GMV, charge-off rates 1.1% (vs. 4% for credit cards), and $73M gain from loan sales.
Efficiency: Revenue per employee up 3.6x to $1.24M, operating expenses down 8% YoY.

Earnings

EPS

Revenue

Revenue & Expenses

KLAR has released its 2025 Q4 earnings report, with revenue of 1.08B, reflecting a YoY change of 38.36%, and net profit of -27.00M, showing a YoY change of -167.50%. The Sankey diagram below clearly presents KLAR's revenue sources and cost distribution.

Key Indicators

Klarna (KLAR) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Klarna (KLAR)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Klarna (KLAR)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Klarna (KLAR)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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