Cash flow Klarna Group plc

Equities

KLAR

GB00BMHVL512

Software

Market Closed - Nyse Other stock markets 04:00:02 2026-03-11 pm EDT			5-day change	1st Jan Change
16.43 ^USD	+7.39%		+21.08%	-43.17%

Mar. 08	Certain Restricted Stock Units of Klarna Group plc are subject to a Lock-Up Agreement Ending on 9-MAR-2026.	CI
Mar. 08	Certain Warrants of Klarna Group plc are subject to a Lock-Up Agreement Ending on 9-MAR-2026.	CI

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Published financial data: KLARNA GROUP PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024 (USD)	2025 (USD)
Revenues	11.25B	13.42B	17.83B	2.14B	2.5B
Gain (Loss) on Sale of Investment, Total (Rev)	-553M	-511M	-16M	-	-
Interest And Invest. Income (Rev)	4.04B	4.42B	4.84B	675M	937M
Other Revenues, Total	-95.54M	-495M	-350M	-	72M
Total Revenues	14.65B	16.84B	22.3B	2.81B	3.51B
Cost of Goods Sold, Total	5.36B	6.41B	5.02B	1.29B	1.81B
Gross Profit	9.29B	10.43B	17.28B	1.52B	1.7B
Selling General & Admin Expenses, Total	15.15B	19.82B	17.41B	609M	720M
R&D Expenses	-	-	-	444M	486M
Depreciation & Amortization - (IS)	746M	1.48B	1.69B	27M	32M
Other Operating Expenses	-700M	-1.69B	-1.97B	-	-
Other Operating Expenses, Total	15.2B	19.62B	17.12B	1.08B	1.24B
Operating Income	-5.91B	-9.19B	159M	437M	461M
Interest Expense, Total	-666M	-1.05B	-2.86B	-461M	-441M
Interest And Investment Income	-	-	-	-	-
Net Interest Expenses	-666M	-1.05B	-2.86B	-461M	-441M
Currency Exchange Gains (Loss)	-20.72M	-44M	216M	18M	-
Other Non Operating Income (Expenses)	-	-33M	-14M	-77M	-238M
EBT, Excl. Unusual Items	-6.59B	-10.32B	-2.5B	-83M	-218M
Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-130M	-	-
Gain (Loss) On Sale Of Investments	-	-	-	-	-
Gain (Loss) On Sale Of Assets	-	-	-	171M	-
Asset Writedown	-3K	-155M	-575M	-55M	-23M
EBT, Incl. Unusual Items	-6.59B	-10.47B	-3.2B	33M	-241M
Income Tax Expense	529M	-33M	-665M	12M	32M
Earnings From Continuing Operations	-7.12B	-10.44B	-2.54B	21M	-273M
Net Income to Company	-7.12B	-10.44B	-2.54B	21M	-273M
Minority Interest	106M	145M	166M	-12M	-21M
Net Income - (IS)	-7.02B	-10.29B	-2.37B	9M	-294M
Preferred Dividend and Other Adjustments	-	-	-	6M	-
Net Income to Common Incl Extra Items	-7.02B	-10.29B	-2.37B	3M	-294M
Net Income to Common Excl. Extra Items	-7.02B	-10.29B	-2.37B	3M	-294M
Per Share Items
Net EPS - Basic	-	-	-	0.1	-0.79
Basic EPS - Continuing Operations	-	-	-	0.1	-0.79
Basic Weighted Average Shares Outstanding	-	-	-	30.33M	371M
Net EPS - Diluted	-	-	-	0.08	-0.79
Diluted EPS - Continuing Operations	-	-	-	0.08	-0.79
Diluted Weighted Average Shares Outstanding	-	-	-	30.37M	371M
Normalized Basic EPS	-	-	-	-2.11	-0.42
Normalized Diluted EPS	-	-	-	-2.1	-0.42
Supplemental Items
EBITDA	-5.68B	-8.3B	697M	484M	479M
EBITA	-5.75B	-8.83B	560M	476M	480M
EBIT	-5.91B	-9.19B	159M	437M	461M
EBITDAR	-5.6B	-8.17B	769M	494M	488M
Total Revenues (As Reported)	13.95B	-	-	2.81B	3.51B
Effective Tax Rate - (Ratio)	-8.02	0.32	20.76	36.36	-13.28
Total Current Taxes	195M	114M	143M	20M	26M
Total Deferred Taxes	334M	-147M	-808M	-8M	6M
Normalized Net Income	-4.02B	-6.3B	-1.4B	-63.88M	-157M
Interest on Long-Term Debt	21.51M	58M	102M	20M	21M
Supplemental Operating Expense Items
Selling and Marketing Expenses	-	-	-	328M	414M
General and Administrative Expenses	15.15B	19.82B	17.41B	271M	297M
Research And Development Expense From Footnotes	255M	-	-	444M	486M
Net Rental Expense, Total	76.06M	126M	72M	10M	9M
Imputed Operating Lease Interest Expense	42.26M	116M	300M	70.45M	31.14M
Imputed Operating Lease Depreciation	33.8M	10.16M	-228M	-60.45M	-22.14M
Stock-Based Comp., Other (Total)	529M	954M	535M	92M	157M
Total Stock-Based Compensation	529M	954M	535M	92M	157M

Fiscal Period: December	2021	2022	2023	2024 (USD)	2025 (USD)
Assets
Cash And Equivalents	15.81B	16.08B	22.03B	3.24B	3.8B
Short Term Investments	9.74B	10.71B	7.27B	401M	1.36B
Total Cash And Short Term Investments	25.56B	26.8B	29.3B	3.64B	5.17B
Accounts Receivable, Total	-	-	-	8.14B	11.76B
Other Receivables	2.81B	3.06B	2.77B	170M	239M
Notes Receivable	67.13B	77.97B	90.61B	-	-
Total Receivables	69.94B	81.03B	93.38B	8.31B	12B
Prepaid Expenses	84.11M	143M	86M	28M	49M
Other Current Assets, Total	228M	1B	762M	79M	35M
Total Current Assets	95.81B	109B	124B	12.06B	17.26B
Gross Property Plant And Equipment	-	-	-	210M	219M
Accumulated Depreciation	-	-	-	-125M	-159M
Net Property Plant And Equipment	1.51B	2.04B	1.23B	85M	60M
Long-term Investments	1.93B	1.2B	851M	35M	75M
Goodwill	4.59B	6.86B	6.7B	613M	685M
Other Intangibles, Total	967M	3.59B	3.17B	238M	264M
Deferred Tax Assets Long-Term	319M	395M	282M	33M	36M
Deferred Charges Long-Term	1.34B	2.33B	2.18B	138M	119M
Other Long-Term Assets, Total	-	-	-	600M	302M
Total Assets	106B	125B	138B	13.8B	18.8B
Liabilities
Accounts Payable, Total	186M	184M	414M	572M	655M
Accrued Expenses, Total	2.71B	2.85B	3.7B	-	-
Current Portion of Long-Term Debt	6.31B	3.6B	2.27B	61M	13M
Current Portion of Leases	284M	419M	302M	23M	26M
Current Income Taxes Payable	79.4M	87M	177M	32M	28M
Other Current Liabilities	41.56B	62.64B	83.41B	-	-
Total Current Liabilities	51.13B	69.78B	90.27B	688M	722M
Long-Term Debt	3.83B	1.29B	835M	452M	1.35B
Long-Term Leases	800M	1.34B	932M	64M	54M
Unearned Revenue Non Current	54.42M	-	-	-	-
Pension & Other Post Retirement Benefits	2.8M	9M	13M	-	-
Deferred Tax Liability Non Current	246M	912M	5M	1M	2M
Other Non Current Liabilities	25.88B	27.69B	23.8B	10.34B	13.99B
Total Liabilities	81.94B	101B	116B	11.55B	16.11B
Common Stock, Total	2.6M	3M	3M	-	-
Additional Paid In Capital	32.28B	41.57B	42.09B	4.65B	427M
Retained Earnings	-8.67B	-18.56B	-20.92B	-2.08B	2.17B
Comprehensive Income and Other	830M	1.29B	854M	-479M	-90M
Total Common Equity	24.45B	24.3B	22.03B	2.09B	2.51B
Minority Interest	73.29M	63M	48M	171M	177M
Total Equity	24.52B	24.36B	22.08B	2.26B	2.68B
Total Liabilities And Equity	106B	125B	138B	13.8B	18.8B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	-	-	-	30.44M	378M
ECS Total Common Shares Outstanding	-	-	-	30.44M	378M
Book Value / Share	-	-	-	68.53	6.64
Tangible Book Value	18.89B	13.86B	12.16B	1.24B	1.56B
Tangible Book Value Per Share	-	-	-	40.57	4.13
Total Debt	11.22B	6.65B	4.34B	600M	1.44B
Net Debt	-14.33B	-20.15B	-24.96B	-3.04B	-3.73B
Debt Equivalent Oper. Leases	608M	1.01B	576M	80M	72M
Minority Interest, Total (Incl. Fin. Div)	73.29M	63M	48M	171M	177M
Account Code - Inventory Valuation	3	3	3	3	3
Machinery, Total	-	-	-	50M	57M
Full Time Employees	4.79K	6.01K	5.54K	3.42K	-
Accumulated Allowance for Doubtful Accounts (Supple)	-	-	-	332M	518M

Fiscal Period: December	2021	2022	2023	2024 (USD)	2025 (USD)
Net Income	-7.02B	-10.29B	-2.37B	9M	-294M
Depreciation & Amortization - CF	332M	537M	432M	24M	14M
Amortization of Goodwill and Intangible Assets - (CF)	159M	356M	401M	39M	19M
Depreciation & Amortization, Total	491M	893M	833M	63M	33M
Amortization of Deferred Charges, Total - (CF)	255M	591M	854M	71M	69M
(Gain) Loss From Sale Of Asset	-	-	-	-172M	-
(Gain) Loss on Sale of Investments - (CF)	20.08M	-	-8M	7M	-
Asset Writedown & Restructuring Costs	3K	155M	705M	55M	23M
Stock-Based Compensation (CF)	529M	954M	535M	92M	157M
Provision and Write-off of Bad Debts	1.33B	148M	-608M	671M	794M
Other Operating Activities, Total	762M	297M	-1.26B	-44M	672M
Change In Accounts Receivable	-	-	-	-1.37B	-3.58B
Change in Other Net Operating Assets	327M	9.63B	9.87B	1.21B	1.09B
Cash from Operations	-3.31B	2.38B	8.55B	587M	-1.03B
Capital Expenditure	-245M	-119M	-7M	-1M	-3M
Sale of Property, Plant, and Equipment	-	-	16M	-	-
Cash Acquisitions	-2.22B	-3.58B	-	-	-
Divestitures	-	-	8M	188M	-
Sale (Purchase) of Intangible assets	-643M	-949M	-890M	-44M	-27M
Investment in Marketable and Equity Securities, Total	-1.32B	-	-	11M	-
Cash from Investing	-4.43B	-4.65B	-873M	154M	-30M
Long-Term Debt Issued, Total	4.91B	-	450M	364M	903M
Total Debt Issued	4.91B	-	450M	364M	903M
Long-Term Debt Repaid, Total	-554M	-7.83B	-1.28B	-194M	-106M
Total Debt Repaid	-554M	-7.83B	-1.28B	-194M	-106M
Issuance of Common Stock	15.19B	8.66B	441M	142M	191M
Repurchase of Common Stock	-	-250M	-286M	-	-
Other Financing Activities, Total	-202M	-26M	-	-	-
Cash from Financing	19.35B	557M	-673M	312M	988M
Foreign Exchange Rate Adjustments	226M	713M	-593M	-201M	634M
Net Change in Cash	11.84B	-1B	6.41B	852M	560M
Supplemental Items
Cash Interest Paid	-	-	-	312M	425M
Cash Income Tax Paid (Refund)	229M	214M	115M	15M	53M
Levered Free Cash Flow	-9.39B	4.22B	8.96B	81M	-2.86B
Unlevered Free Cash Flow	-8.98B	4.88B	10.74B	369M	-2.58B
Change In Net Working Capital	5.67B	-9.25B	-9.32B	85M	3.1B
Net Debt Issued / Repaid	4.36B	-7.83B	-828M	170M	797M

Fiscal Period: December	2021	2022	2023	2024 (USD)	2025 (USD)
Profitability
Return on Assets	-4.39	-4.94	0.08	1.98	1.77
Return on Total Capital	-12.72	-17.1	0.35	9.93	8.26
Return On Equity %	-36.67	-42.7	-10.97	0.94	-11.05
Return on Common Equity	-36.25	-42.23	-10.28	0.14	-12.8
Margin Analysis
Gross Profit Margin %	63.42	61.94	77.49	53.97	48.42
SG&A Margin	103.45	117.71	78.05	21.66	20.52
EBITDA Margin %	-38.76	-49.26	3.12	17.22	13.65
EBITA Margin %	-39.25	-52.45	2.51	16.93	13.68
EBIT Margin %	-40.34	-54.57	0.71	15.55	13.14
Income From Continuing Operations Margin %	-48.64	-61.98	-11.38	0.75	-7.78
Net Income Margin %	-47.91	-61.12	-10.64	0.32	-8.38
Net Avail. For Common Margin %	-47.91	-61.12	-10.64	0.11	-8.38
Normalized Net Income Margin	-27.42	-37.43	-6.26	-2.27	-4.48
Levered Free Cash Flow Margin	-64.14	25.06	40.15	2.88	-81.4
Unlevered Free Cash Flow Margin	-61.3	28.96	48.17	13.13	-73.55
Asset Turnover
Asset Turnover	0.17	0.14	0.17	0.2	0.22
Fixed Assets Turnover	11.64	8.5	13.63	27.16	48.4
Receivables Turnover (Average Receivables)	-	-	-	0.26	0.25
Short Term Liquidity
Current Ratio	1.87	1.56	1.37	17.53	23.9
Quick Ratio	0.55	0.43	0.36	17.38	23.78
Operating Cash Flow to Current Liabilities	-0.06	0.03	0.09	0.85	-1.43
Days Sales Outstanding (Average Receivables)	-	-	-	1.39K	1.49K
Average Days Payable Outstanding	14.44	10.54	21.74	165.18	123.72
Long Term Solvency
Total Debt/Equity	45.76	27.29	19.65	26.58	53.61
Total Debt / Total Capital	31.4	21.44	16.42	21	34.9
LT Debt/Equity	18.88	10.8	8	22.86	52.16
Long-Term Debt / Total Capital	12.95	8.48	6.69	18.06	33.96
Total Liabilities / Total Assets	76.97	80.57	83.99	83.65	85.72
EBIT / Interest Expense	-8.87	-8.75	0.06	0.95	1.05
EBITDA / Interest Expense	-8.13	-7.9	0.35	1.08	1.12
(EBITDA - Capex) / Interest Expense	-8.5	-8.01	0.34	1.08	1.11
Total Debt / EBITDA	-2.07	-0.8	4.37	1.2	2.91
Net Debt / EBITDA	2.65	2.43	-25.16	-6.09	-7.55
Total Debt / (EBITDA - Capex)	-1.98	-0.79	4.4	1.2	2.93
Net Debt / (EBITDA - Capex)	2.53	2.39	-25.34	-6.1	-7.59
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	33.51	14.97	32.51	23.51	24.83
Gross Profit, 1 Yr. Growth %	18.11	12.67	65.81	32.84	12
EBITDA, 1 Yr. Growth %	493.91	52.26	-107.81	426.09	-1.03
EBITA, 1 Yr. Growth %	466.05	52.8	-106.18	502.53	0.84
EBIT, 1 Yr. Growth %	450.3	54.68	-101.73	965.85	5.49
Earnings From Cont. Operations, 1 Yr. Growth %	445.84	46.53	-75.68	-108.61	-1.4K
Net Income, 1 Yr. Growth %	454.05	46.67	-76.95	-103.69	-3.37K
Normalized Net Income, 1 Yr. Growth %	340.29	56.92	-77.86	-59.12	146.18
Diluted EPS Before Extra, 1 Yr. Growth %	-	-	-	-	-9.72K
Accounts Receivable, 1 Yr. Growth %	-	-	-	0.72	36.45
Net Property, Plant and Equip., 1 Yr. Growth %	50.71	6.68	-39.92	-30.33	-29.41
Total Assets, 1 Yr. Growth %	72.21	17.34	10.15	0.41	36.17
Tangible Book Value, 1 Yr. Growth %	51.25	-26.64	-11.2	2.15	26.15
Common Equity, 1 Yr. Growth %	71.32	-0.6	-8.71	-4.84	20.18
Cash From Operations, 1 Yr. Growth %	-302.7	-171.87	259.85	-27.35	-275.81
Capital Expenditures, 1 Yr. Growth %	283.59	-51.43	-94.12	0	200
Levered Free Cash Flow, 1 Yr. Growth %	902.83	-145.08	87.1	-101.3	619.52
Unlevered Free Cash Flow, 1 Yr. Growth %	1.35K	-154.52	97.38	-106.09	1.98K
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	35.68	23.9	23.41	21.51	24.17
Gross Profit, 2 Yr. CAGR %	28.78	15.16	36.65	66.53	21.97
EBITDA, 2 Yr. CAGR %	193.93	194.58	-64.23	-17.55	52.86
EBITA, 2 Yr. CAGR %	189.11	194.91	-68.87	-19.03	794.43
EBIT, 2 Yr. CAGR %	183.58	192.55	-83.64	-27.18	776.55
Earnings From Cont. Operations, 2 Yr. CAGR %	186.54	182.8	-40.3	-85.76	5.78
Net Income, 2 Yr. CAGR %	184.75	185.07	-41.85	-90.68	9.77
Normalized Net Income, 2 Yr. CAGR %	148.45	162.87	-41.04	-68.51	-6.04
Accounts Receivable, 2 Yr. CAGR %	-	-	-	-	20.65
Net Property, Plant and Equip., 2 Yr. CAGR %	30.17	42.71	-19.94	-34.16	-29.87
Total Assets, 2 Yr. CAGR %	63.37	42.42	13.61	7.2	16.93
Tangible Book Value, 2 Yr. CAGR %	55.15	5.34	-19.78	-3.03	13.52
Common Equity, 2 Yr. CAGR %	59.63	30.5	-5.07	-5.08	6.94
Cash From Operations, 2 Yr. CAGR %	-37.47	20.7	60.82	32.18	13.01
Capital Expenditures, 2 Yr. CAGR %	14.73	36.44	-83.1	-69.85	73.21
Levered Free Cash Flow, 2 Yr. CAGR %	-5.7	112.24	-2.18	-58.5	-32.01
Unlevered Free Cash Flow, 2 Yr. CAGR %	-6.9	180.22	9.61	-16.61	-34.52
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	34.59	28.39	26.69	28.55	22.6
Gross Profit, 3 Yr. CAGR %	23.2	23.03	30.02	21.96	45.9
EBITDA, 3 Yr. CAGR %	118.29	132.84	-9.99	-0.56	-12.38
EBITA, 3 Yr. CAGR %	124.12	134.18	-18	-3.04	-12.88
EBIT, 3 Yr. CAGR %	131.09	132.12	-47.09	-6.62	-17.6
Earnings From Cont. Operations, 3 Yr. CAGR %	310	129.13	24.84	-68.05	-35.87
Net Income, 3 Yr. CAGR %	308.3	128.26	23.28	-75.79	-34.29
Normalized Net Income, 3 Yr. CAGR %	235.35	113.18	15.25	-43.96	-37.5
Net Property, Plant and Equip., 3 Yr. CAGR %	165.74	31.81	6.96	-21.11	-32.61
Total Assets, 3 Yr. CAGR %	55.68	46.49	30.67	12.65	16.09
Tangible Book Value, 3 Yr. CAGR %	82.38	20.87	-0.9	-10.23	5.86
Common Equity, 3 Yr. CAGR %	72.24	36.31	15.58	-1.89	2.69
Cash From Operations, 3 Yr. CAGR %	65.88	-34.5	73.72	25.25	45.36
Capital Expenditures, 3 Yr. CAGR %	66.12	-13.87	-52.16	-64.39	-35.15
Levered Free Cash Flow, 3 Yr. CAGR %	53.07	-26.35	112.25	-54.25	82.46
Unlevered Free Cash Flow, 3 Yr. CAGR %	53.66	-22.21	158.65	-22.98	69.41
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	32.78	30.25	30	31.35	24.14
Gross Profit, 5 Yr. CAGR %	25.57	22.47	28.32	24.55	14.77
EBITDA, 5 Yr. CAGR %	75.95	60.17	5.01	52.14	35.8
EBITA, 5 Yr. CAGR %	79.1	63.42	1.86	50.26	34.22
EBIT, 5 Yr. CAGR %	82.9	65.72	-19.78	45.78	31.67
Earnings From Cont. Operations, 5 Yr. CAGR %	128.95	97.81	89.7	-23.16	14.03
Net Income, 5 Yr. CAGR %	128.26	97.26	87.25	-35.1	16.43
Normalized Net Income, 5 Yr. CAGR %	106.83	76.04	67.31	1.68	9.71
Net Property, Plant and Equip., 5 Yr. CAGR %	94.16	101.3	72.41	1.05	-11.24
Total Assets, 5 Yr. CAGR %	54.52	45.81	37.35	30.81	22.89
Tangible Book Value, 5 Yr. CAGR %	60.85	39.15	31.31	11.73	2.83
Common Equity, 5 Yr. CAGR %	54.33	41.78	35.72	19.2	10.12
Cash From Operations, 5 Yr. CAGR %	50.09	-1.76	63.84	-5.14	42.29
Capital Expenditures, 5 Yr. CAGR %	58.11	29.4	-33.42	-43.14	-15.43
Levered Free Cash Flow, 5 Yr. CAGR %	-	12.72	27.88	-38.94	94.88
Unlevered Free Cash Flow, 5 Yr. CAGR %	-	16.92	34.14	-16.98	107.33