Klarna Group (WBO:KLAR) Moat Score: 5/10 (As of Aug. 22, 2026)

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WBO:KLAR Klarna Group PLC WBO:KLAR
12 GF Score
Price €12.32
! 3 Warning Signs
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What is Klarna Group Moat Score?

Klarna Group WBO:KLAR +2.16% 12 Moat Score is 5 as of Aug. 22, 2026. GuruFocus rates WBO:KLAR with a GF Score™ of 12/100. The stock has 3 warning signs investors should review. Among 571 Credit Services companies, Klarna Group ranks better than 97.55% on this metric.

Klarna Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Klarna Group has Narrow Moat: Klarna has a solid narrow moat due to its strong brand in the fintech space and significant customer switching costs. Its innovative payment solutions and partnerships with major retailers enhance its market position, but intense competition limits a wider moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Klarna Group might have Narrow Moat - Solid narrow moat.

Klarna Group  (WBO:KLAR) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Klarna Group Moat Score Related Terms

WBO:KLAR vs OMF, CACC, ENVA: Moat Score Comparison

For the Credit Services subindustry, Klarna Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Klarna Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Klarna Group's Moat Score falls into.


WBO:KLAR
12GF Score
Klarna Group PLC WBO:KLAR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Klarna Group (WBO:KLAR) has a Moat Score of 5 as of Aug. 22, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Klarna Group ranks #14 out of 571 companies in the Credit Services industry, placing it in the top 2.5%.
Is Klarna Group's Moat Score too high?
Klarna Group's current Moat Score is 5. Based on the distribution chart, Klarna Group ranks #14 out of 571 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Klarna Group has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Klarna Group's Moat Score compare to OMF and CACC?
According to the Credit Services industry distribution chart, Klarna Group ranks #14 out of 571 companies for Moat Score. This places Klarna Group in the top 3% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Klarna Group's current Moat Score is 5. 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 (WBO:KLAR) has a current Moat Score of 5. The current Moat Score is 5. Klarna Group's overall GF Score™ is 12/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Klarna Group (WBO:KLAR), the current Moat Score is 5 as of Aug. 22, 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 Business Description

Other Exchanges KLAR:USAH1W:Germany
Address 10 York Road, London, GBR, SE1 7ND
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.
12GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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