TickerTalks
Browse all tickers →
TickerTalks›$KLAR
KLKLAR

Klarna Group plc

Strong FundamentalsStrong FundamentalsRevenue growing 51% YoY at strong marginsStreet coverage with positive forward estimatesQuiet on X (91 mentions/wk)
$KLAR·$5.4B·Financial - Credit Services·Financial Services
$13.88-2.7%YTD-50.9%1Y-68.6%
Price updated 6m ago·X counts updated 2d ago
KLKLAR
$KLARKlarna Group plc
$13.88-2.66%91 posts1×
AI analysisFundamentalsVoices on X
Loading…

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.

91X posts · last 7 days
Aug 22Sep 7
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, louder than 62% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data18 posts analyzed · as of 2026-09-08

Klarna is down 60% since listing and posters argue the market is wrong — the growth is more durable than realized as KLAR transitions from BNPL to full-service fintech. CEO likes the stock at $14.87, and Apple product leasing via Klarna is teased.

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
Free, forever. No credit card.

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.

Comeback attemptWinding up for a moveAI verdict · as of 2026-09-08

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Klarna at $14 with CEO buying $10M and Chairman adding $50M — first-ever insider buys, BNPL cheap.

Klarna is the Swedish BNPL (buy-now-pay-later) leader that just went public and got dropped 60%+ from the IPO. What's changed: CEO Sebastian Siemiatkowski bought $10M at $14.37 (Klarna's first-ever insider buy) and Chairman Michael Moritz added $50M earlier — the insider-conviction signal is exceptional.

Where the setup earns turnaround:

  • The economics look decent even at the base: 60% gross margin, 1.3% operating margin (BNPL is inherently thin), and 1.2% ROIC — the multiple has compressed to 1.6x sales, which is 60% cheaper than $AFRM on the same growth trajectory.
  • The insider signal is genuinely load-bearing: CEO's $10M at $14.37 (Klarna's first-ever insider buy) plus Chairman Moritz's $50M is the sort of combined conviction cluster that historically marks compounder-repriced-too-cheap moments.
  • Card users grew 5x YoY: this is the operating metric that matters — if the card-plus-BNPL flywheel is compounding at 5x, the current 1.6x sales multiple is a value setup on a real growth story.

The coil resolves on either a next-quarterly print showing card-user growth compounding or a specific merchant-partnership win. Miss both and the tape stays at the value-trap level; hit either and the CEO's $10M buy at $14.37 becomes the leading indicator. Class-action noise (Pomerantz) is post-IPO boilerplate.

Agrees with X sentimentAgree with the bull framing — the CEO $10M and Chairman $50M insider buys, the 60% cheaper multiple vs AFRM, and 5x YoY card user growth are all legitimate and substantive anchors. The absence of a bear voice reflects a name where insider conviction has cleared the air; the class-action noise is post-IPO boilerplate.

What to watch: Watch card-user growth on the next quarterly, merchant-partnership announcements, and any change in the insider-buy pattern. Continued 5x-adjacent user growth is the flip; a merchant-loss print is the specific reset.

ceo chairman conviction buyspost ipo drawdownaffirm multiple gap

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
Free, forever. No credit card.

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

AI-driven underwriting and BNPL expansion are reshaping credit pricing; card network volumes are resilient to consumer caution thanks to premium-spend mix. Higher-for-longer rates compress subprime credit quality while sustaining net interest margins at traditional lenders.

What this means for $KLAR

Partial — Klarna BNPL; IPO-stage, BNPL market validation, AI-assisted credit decisions differentiator.

Industry benchmark

18-name peer basket
-6.6%YTD
-16.6%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 13 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$4.1B$4.1B – $4.2B$0.04-$0.31 – $0.4312
FY27$4.7B$4.5B – $5.2B$0.56$0.28 – $1.0713
FY28$5.5B$5.2B – $5.8B$1.02$0.96 – $1.107
FY29$6.6B$6.3B – $7.0B$1.68$1.59 – $1.8211
FY30$8.2B$7.9B – $8.7B$2.63$2.49 – $2.856

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.0.7×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.-20.3%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.-27.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

SEC filings

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

Recent material filings

3New insider — initial holdingsMar 313
AI summary

Omid Kordestani, a director of Klarna Group plc (KLAR), filed an initial Form 3 as of March 31, 2026, disclosing 78,310 ordinary shares held directly. Kordestani is based in Mountain View, California. Routine Section 16(a) initial ownership disclosure for a Klarna director; non-material.

3New insider — initial holdingsMar 313
AI summary

Lise Kaae, a director of Klarna Group plc (KLAR), filed an initial Form 3 as of March 31, 2026. Table I/II data is cut off before specific share counts are shown. Routine Section 16(a) initial ownership disclosure for a Klarna director; non-material.

3New insider — initial holdingsMar 313
AI summary

Markus Villig, a director of Klarna Group plc (KLAR), filed an initial Form 3 as of March 31, 2026. Table I/II data is cut off before specific share counts are visible. Routine Section 16(a) initial ownership disclosure for a Klarna director; non-material.

3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
+ 13 other (7 6-Ks · 6 3s) in window

Recent news

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

INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Klarna Group plc - KLARglobenewswire.com·1d ago3 CEOs Are Buying Millions of Dollars of Their Beaten-Down Stocksmarketbeat.com·6d agoINVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Klarna Group plc - KLARgurufocus.com·6d agoINVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Klarna Group plc - KLARprnewswire.com·6d agoBreakfast News: AI's New Rule – Show Me the Money!fool.com·8d ago

In themes

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

Consumer Fintech & Neobanks

More in Financial - Credit Services

Peers in the same group — one click to compare setups, fundamentals, and chatter.

$SOFI$PYPL$V$MA$WU$AFRM$ORBS$AXP
Voices on X · top 12 · 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.

PrivacyTermsSupport