# Klarna Group plc (KLAR) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Consumer Lending. Price $13.22, market value $5.0 billion.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Klarna Group plc reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 1.2×**. Each dollar of revenue is priced at 1.2×.
- **Price / book: 2.1×**. The shares trade at 2.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -76.0%** (5-yr avg -9.7%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.

## Profitability
- **Gross margin: 56.7%**. Klarna Group plc keeps 56.7% of revenue after the direct cost of what it sells.
- **Operating margin: 16.9%**. 16.9% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: -7.8%**. The company reported a net loss over the last twelve months.
- **Return on equity: -10.2%**. Return on equity is negative because earnings are negative.
- **Return on assets: -0.8%**. Each dollar of assets produces -0.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 24.8%**. Revenue grew 24.8% over the last year.

## Financial health
- **Piotroski F-score: 0/9**. 0 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend: none**. Klarna Group plc does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (22 analysts). 22 analysts cover Klarna Group plc; the consensus is buy, with an average price target of $19.29 (+46% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -64.4%** (YTD -53.7%, 3-mo -32.4%). The shares are down 64.4% over twelve months including dividends.
- **From 52-week high: -65.4%** (9.6% above the low). Trading 65% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 2.43** (volatility 69%). Beta of 2.43 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=KLAR · Page: https://foliofundamentals.com/stocks/klar

Not investment advice.