Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Klarna GroupKLAR +2.36%14 Gross Margin % is 73.72% as of Mar. 2026, which is 28% above its 10-year median of 57.53. GuruFocus rates KLAR with a GF Score™ of 14/100. The stock has 3 warning signs investors should review. Among 391 Credit Services companies, Klarna Group ranks worse than 51.15% on this metric.
Klarna Group (NYSE:KLAR) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Klarna Group had a gross margin of 73.72% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Klarna Group Gross Margin % Related Terms
Klarna Group Gross Margin % Historical Data
* Premium members only.
The historical data trend for Klarna Group's Gross Margin % 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: Gross Margin % Comparison
For the Credit Services subindustry, Klarna Group's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Klarna Group's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Klarna Group's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Klarna Group (KLAR) has a Gross Margin % of 73.72% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Klarna Group and its competitors. This is 28% above median its historical median of 57.53. Over the past decade, Klarna Group's Gross Margin % has ranged from 43.80 to 61.19. According to the industry distribution chart, Klarna Group ranks #200 out of 391 companies in the Credit Services industry, placing it in the top 51.2%.
Is Klarna Group's Gross Margin % too high?
Klarna Group's current Gross Margin % of 73.72% is 28% above median its 10-year median of 57.53. Over the past 10 years, this metric has ranged from a low of 43.80 to a high of 61.19. The Credit Services industry median Gross Margin % is 51.69. Klarna Group's value of 73.72% is 42.6% above this industry median. Based on the distribution chart, Klarna Group ranks #200 out of 391 companies in the Credit Services industry, which is below 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 Gross Margin % compare to OMF and CACC?
According to the Credit Services industry distribution chart, Klarna Group ranks #200 out of 391 companies for Gross Margin %. This places Klarna Group in the lower half of its industry. The industry median Gross Margin % is 51.69. Klarna Group's value of 73.72% is 42.6% above this benchmark. Historically, Klarna Group's own Gross Margin % has ranged from 43.80 to 61.19 over the past decade. While the company's 10-year median is 57.53 vs. the industry median of 51.69, Klarna Group has consistently been above 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.69, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Klarna Group's current Gross Margin % of 73.72% is 42.6% above 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Klarna Group and its competitors. For the Credit Services industry, the median Gross Margin % is 51.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Klarna Group's current Gross Margin % is 73.72%, which is 28% above median its own 10-year median of 57.53. 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 Gross Margin % of 73.72%. The current Gross Margin % is 73.72%, which is 28% above median its 10-year median of 57.53 and 42.6% above the Credit Services industry median of 51.69. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Klarna Group (KLAR), the current Gross Margin % is 73.72% 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.
14GF Score
Get the complete analysis for KLAR
Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KLAR has been successfully added to your 
