Klarna Group PLC (NYSE:KLAR)

Q4 2025 Klarna Group PLC Earnings Call Transcript

Feb 19, 2026 / 01:30 PM GMT

Release Date Price: $13.85 (-26.91%)

Transcript

Key Points

Positve

Klarna Group PLC (KLAR) reported a 28% year-over-year increase in active consumers, reaching 1,180 million.
Merchants using Klarna's services grew by 42% year-over-year, totaling 966,000.
Gross Merchandise Volume (GMV) exceeded expectations at $38.7 billion, surpassing the top end of guidance.
Revenue increased by 38% to over $1 billion, beating guidance.
The company successfully initiated its first fair financing forward flow, recognizing $73 million in gain on sales in Q4 2025.

Negative

Transaction margin dollars after provisions were lower than expected, primarily due to accelerated lending growth.
The upfront provisioning for credit losses created a $40 million headwind in Q4 2025.
Despite strong growth, the rapid adoption of banking services resulted in lower upfront transaction margins.
The company's share price has declined since the IPO, causing investor dissatisfaction.
Funding costs increased due to the expansion in the US, impacting overall financial performance.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

KLAR.N - Klarna Group PLC
Q4 2025 Klarna Group PLC Earnings Call
Feb 19, 2026 / 01:30PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Hello, everyone.

Welcome to Klona's fourth quarter 2025 earnings call. My name is Philippa Boltz, head of communications at Klona, and I am joined today by Sebastian Szymiankowski and Nicholas Nigel. Our Q4 results were released at around 7:30 a.m. Eastern time, and they are available on our investor relations website.

During this call, we will discuss our business outlook and make forward-looking statements. These statements are based on our current expectations and assumptions as of today. Actual results may differ materially due to various risks and uncertainties, including those described in our most recent filings with the SEC.

During this call, we will present both IFRS and non IFRS financial measures.

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.