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KLKLAR

Klarna Group plc

$KLAR·$5.3B·Financial - Credit Services·Financial Services
$13.01-3.7%YTD-53.9%1Y-64.2%
Price updated 2m ago·X counts updated 5d ago
KLKLAR
$KLARKlarna Group plc
$13.01-3.70%92 posts1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $KLAR on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

92X posts · last 7 days
Sep 28Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $KLAR's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Bullish sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-09-15

Klarna partners with Apple to lease iPhones (recurring revenue framing) and expands the StockX relationship in the US and Canada. Loop Capital initiates Hold at $18 flagging management-credibility work still needed — read is mixed-to-constructive.

Read what X is saying about $KLAR

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $KLAR — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Broken storySelling offAI verdict · as of 2026-10-02

Falling on heavy selling — points lower unless it turns around.

Klarna at 1% of 52-week range — 51% revenue growth, Apple iPhone lease deal, chart doesn't believe the BNPL IPO story.

Klarna is the global 'buy now, pay later' leader — serving consumers in the UK, US, Germany, Sweden and other markets with POS financing. The stock is at the literal 1% of its 52-week range after a 56% YTD decline, below both moving averages.

  • The P&L is accelerating: revenue grew 51% YoY to $1.01B last quarter at a 1.3% operating margin and 60% gross margin — mid-single-digit profitability on a scaled $4B+ run-rate business; FY27 EPS estimate at -$0.16 reflects continued investment ahead of commercial scale.
  • The Apple iPhone lease partnership (recurring revenue framing) plus StockX relationship expansion in US/Canada are specific commercial anchors — these are the kinds of partnership announcements that normally support a BNPL franchise.
  • Loop Capital Hold at $18 flagging management-credibility work still needed is the honest sell-side counter — plus the Pomerantz class-action-firm investigation adds governance drag.

Breaking-down holds unless Nov 17 earnings confirm GMV growth above 25% YoY and operating margin trajectory extends. Another soft GMV print, or any specific commentary on Affirm/PayPal competitive-pressure, is what seals the de-rating further; a FY27 revenue guide above $4.5B plus specific Apple-and-StockX partnership-economics is what breaks the tape higher.

Agrees with X sentimentThe X mixed-to-constructive read is accurate — the Apple iPhone lease partnership (recurring revenue) and StockX expansion are legitimate commercial anchors, while Loop Capital's Hold at $18 flagging management-credibility concerns is the honest sell-side counter-signal matching the breaking-down tape.

What to watch: Nov 17 earnings — GMV growth above 25% YoY, Apple/StockX partnership contribution, operating margin trajectory, FY27 revenue guide. A soft GMV print or Affirm-competitive-pressure commentary is what seals the breaking-down.

On the calendar: 2026-11-17 — Q3 FY26 earnings

Read the AI verdict on $KLAR

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Runs BNPL payments for 150M+ consumers and 500K+ merchants; expanding into banking, credit cards, and AI shopping in Europe and US.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $KLAR.

Financial - Credit Services · Financial Services

No material change from last week — AI-driven underwriting (Upstart, SoFi) and BNPL (Affirm, Klarna) continue reshaping consumer credit while Visa and Mastercard card networks hold on premium-spend mix.

What this means for $KLAR

Partial — Runs BNPL payments for 150M+ consumers and 500K+ merchants; expanding into banking, credit cards, and AI shopping in Europe and US.

Industry benchmark

19-name peer basket
-12.6%YTD
-18.0%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-31.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.2%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
1.3%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
-42.1%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.6Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-8.2%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
59.7%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.6Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 18, 2026$0.01$-0.05+118.9%
Q1 2026May 14, 2026$-0.01$-0.18+94.6%
Q4 2025Feb 19, 2026$-0.12$-0.03-300.0%
Q3 2025Nov 19, 2025$-0.25$-0.25+0.1%
Next earningsTue, Nov 17·consensus EPS $-0.16

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$1.0B+51.3%73.7%18.6%$-0.01$-952.0M
Q4 FY25$1.1B+68.5%57.0%-1.0%$-0.12$-3.0B
Q3 FY25$903.0M+48.5%56.1%-9.2%$-0.26$472.0M
Q2 FY25$823.0M+20.8%49.9%-5.6%$-0.14$920.0M

Forward consensus

5-year forecast · up to 14 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$4.1B$4.1B – $4.2B-$0.03-$0.28 – $0.2013
FY27$4.7B$4.5B – $5.2B$0.55$0.27 – $1.0414
FY28$5.4B$5.2B – $5.8B$0.98$0.93 – $1.066
FY29$6.4B$6.1B – $6.8B$1.49$1.41 – $1.628
FY30$8.2B$7.9B – $8.8B$2.63$2.49 – $2.8612

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.8×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.5%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-8.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-21.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 196.3M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.4% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.845-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

BuyAug 26Sebastian SiemiatkowskiCEO692.5K sh$9.9M
+ 16 other (8 exempts · 8 awards) in window

See when $KLAR insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

No material 8-K / SC 13D / S-3 / 424B5 filings in the last 180 days.

+ 7 other (7 6-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Affirm Falls 10% as Inflation Print Lifts Yields; Klarna Drops 3%, PayPal Barely Budges247wallst.com·2d agoBreakfast News: AI Can’t Get Chips Fast Enoughfool.com·2d agoKlarna's 2026 Outlook: Business Expansion Targets Sustainable Profitabilityfool.com·8d agoWayfair and Klarna Deepen Ties With More Flexible Payment Options Across U.S. and Canadabusinesswire.com·10d agoAffirm Climbs 5% as Buy Now Pay Later Group Rallies Together; Klarna Rises 5%, PayPal Ticks Up247wallst.com·11d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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Voices on X · top 1 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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