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Klarna GroupKLAR +2.36%14 Debt-to-Equity is 0.55 as of Mar. 2026, which is 57% above its 10-year median of 0.35. GuruFocus rates KLAR with a GF Score™ of 14/100. The stock has 3 warning signs investors should review. Among 455 Credit Services companies, Klarna Group ranks better than 69.01% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Klarna Group's Debt-to-Equity or its related term are showing as below:
KLAR'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.22 Med: 0.35 Max: 1.07
Current: 0.55
During the past 4 years, the highest Debt-to-Equity Ratio of Klarna Group was 1.07. The lowest was 0.22. And the median was 0.35.
KLAR's Debt-to-Equity is ranked better than 69.01% of 455
companies
in the Credit Services industry
Industry Median: 1.24
vs KLAR: 0.55
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Klarna Group Debt-to-Equity Related Terms
Klarna Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Klarna Group's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
KLAR vs OMF, CACC, ENVA: Debt-to-Equity Comparison
For the Credit Services subindustry, Klarna Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Klarna Group Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Klarna Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Klarna Group's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Klarna Group (KLAR) has a Debt-to-Equity of 0.55 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Klarna Group and its competitors. This is 57% above median its historical median of 0.35. Over the past decade, Klarna Group's Debt-to-Equity has ranged from 0.22 to 1.07. According to the industry distribution chart, Klarna Group ranks #141 out of 455 companies in the Credit Services industry, placing it in the top 31%.
Is Klarna Group's Debt-to-Equity too high?
Klarna Group's current Debt-to-Equity of 0.55 is 57% above median its 10-year median of 0.35. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 1.07. The Credit Services industry median Debt-to-Equity is 1.24. Klarna Group's value of 0.55 is 55.6% below this industry median. Based on the distribution chart, Klarna Group ranks #141 out of 455 companies in the Credit Services industry, which is above the industry midpoint. Overall, Klarna Group has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Klarna Group's Debt-to-Equity compare to OMF and CACC?
According to the Credit Services industry distribution chart, Klarna Group ranks #141 out of 455 companies for Debt-to-Equity. This puts Klarna Group in the upper half of its industry. The industry median Debt-to-Equity is 1.24. Klarna Group's value of 0.55 is 55.6% below this benchmark. Historically, Klarna Group's own Debt-to-Equity has ranged from 0.22 to 1.07 over the past decade. While the company's 10-year median is 0.35 vs. the industry median of 1.24, Klarna Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 455 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Klarna Group's current Debt-to-Equity of 0.55 is 55.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Klarna Group and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Klarna Group's current Debt-to-Equity is 0.55, which is 57% above median its own 10-year median of 0.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Klarna Group stock overvalued right now?
Klarna Group (KLAR) has a current Debt-to-Equity of 0.55. The current Debt-to-Equity is 0.55, which is 57% above median its 10-year median of 0.35 and 55.6% below the Credit Services industry median of 1.24. Klarna Group's overall GF Score™ is 14/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Klarna Group (KLAR), the current Debt-to-Equity is 0.55 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Klarna Group PLC is a technology-driven payments company, with operations spanning multiple countries. It connects consumers and merchants with comprehensive payment solutions and tailored advertising solutions, both online and offline. Its payment solutions provide consumers with more control and flexibility over their payments. It is a digital bank and flexible payments provider building the next-generation AI-powered commerce network.
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