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Klarna GroupKLAR +2.36%14 PB Ratio is 2.20 as of Aug. 22, 2026, which is 28% below its 10-year median of 3.05. GuruFocus rates KLAR with a GF Score™ of 14/100. The stock has 3 warning signs investors should review. Among 527 Credit Services companies, Klarna Group ranks worse than 76.47% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-22), Klarna Group's share price is $14.33. Klarna Group's Book Value per Share for the quarter that ended in Mar. 2026 was $6.50. Hence, Klarna Group's PB Ratio of today is 2.20.
The historical rank and industry rank for Klarna Group's PB Ratio or its related term are showing as below:
KLAR'
s PB Ratio Range Over the Past 10 Years
Min: 1.85 Med: 3.05 Max: 6.94
Current: 2.2
During the past 4 years, Klarna Group's highest PB Ratio was 6.94. The lowest was 1.85. And the median was 3.05.
KLAR's PB Ratio is ranked worse than 76.47% of 527
companies
in the Credit Services industry
Industry Median: 1.05
vs KLAR: 2.20
During the past 12 months, Klarna Group's average Book Value Per Share Growth Rate was 13.00% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Klarna Group PB Ratio Related Terms
Klarna Group PB Ratio Historical Data
* Premium members only.
The historical data trend for Klarna Group's PB Ratio 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.
For the Credit Services subindustry, Klarna Group's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Klarna Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Klarna Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Klarna Group's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Klarna Group (KLAR) has a PB Ratio of 2.20 as of Aug. 22, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Klarna Group and its competitors. This is 28% below median its historical median of 3.05. Over the past decade, Klarna Group's PB Ratio has ranged from 1.85 to 6.94. According to the industry distribution chart, Klarna Group ranks #403 out of 527 companies in the Credit Services industry, placing it in the top 76.5%.
Is Klarna Group's PB Ratio too high?
Klarna Group's current PB Ratio of 2.20 is 28% below median its 10-year median of 3.05. Over the past 10 years, this metric has ranged from a low of 1.85 to a high of 6.94. The Credit Services industry median PB Ratio is 1.05. Klarna Group's value of 2.20 is 109.5% above this industry median. Based on the distribution chart, Klarna Group ranks #403 out of 527 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 PB Ratio compare to OMF and CACC?
According to the Credit Services industry distribution chart, Klarna Group ranks #403 out of 527 companies for PB Ratio. This places Klarna Group in the lower half of its industry. The industry median PB Ratio is 1.05. Klarna Group's value of 2.20 is 109.5% above this benchmark. Historically, Klarna Group's own PB Ratio has ranged from 1.85 to 6.94 over the past decade. While the company's 10-year median is 3.05 vs. the industry median of 1.05, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Klarna Group's current PB Ratio of 2.20 is 109.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Klarna Group and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Klarna Group's current PB Ratio is 2.20, which is 28% below median its own 10-year median of 3.05. 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 PB Ratio of 2.20. The current PB Ratio is 2.20, which is 28% below median its 10-year median of 3.05 and 109.5% above the Credit Services industry median of 1.05. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Klarna Group (KLAR), the current PB Ratio is 2.20 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 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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