KLAR
Klarna·NYSE
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KLAR fundamentals
Klarna (KLAR) released its earnings on Nov 18, 2025: revenue was 903.00M (YoY +27.90%), beat estimates; EPS was -0.25 (YoY -600.00%), beat estimates.
Revenue / YoY
903.00M
+27.90%
EPS / YoY
-0.25
-600.00%
Report date
Nov 18, 2025
KLAR Earnings Call Summary for Q3,2025
- Q4 Growth Target: 30% revenue growth, fueled by 139% YoY fair financing expansion and 38% merchant addition acceleration.
- Card Adoption Surge: 1.4M U.S. cardholders (3% of active users) generate 4x ARPAC ($130 vs. $28).
- AI Efficiency: $60M annualized savings from 853 AI roles, enabling 108% revenue growth with flat OpEx.
- Credit Performance: 70bps lifetime losses vs. industry benchmarks, U.S. delinquencies down 5% YoY.
- Partnership Scale: $7T PSP pipeline with Stripe, Apple Pay, and Clover, adding 150K+ merchants.
- Customer Obsession: 200 weekly customer interviews drive $300M lifetime value improvements, 75 weekly actionable insights.
EPS
Revenue
Revenue & Expenses
KLAR has released its 2025 Q3 earnings report, with revenue of 903.00M, reflecting a YoY change of 27.90%, and net profit of -95.00M, showing a YoY change of -891.67%. 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.
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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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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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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Where does Klarna (KLAR) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Klarna (KLAR) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
Did Klarna beat or miss consensus estimates last quarter?What is the market's earnings forecast for Klarna next quarter?What is the revenue and EPS growth rate for Klarna year over year?What is Klarna's latest dividend and current dividend yield?What were the key takeaways from Klarna's earnings call?What guidance did Klarna's management provide for the next earnings period?What does Klarna do and what are its main business segments?What is Klarna's gross profit margin?
