Pomerantz LLP vyšetřuje možné porušení zákona ze strany Klarna a některých jejích vedoucích pracovníků. Po snížení celoročního výhledu tržeb akcie 18. srpna 2026 spadly o 22,81 % na 15,06 USD.
NEW YORK, Sept. 08, 2026 (GLOBE NEWSWIRE) -- Pomerantz LLP is investigating claims on behalf of investors of Klarna Group plc (“Klarna” or the “Company”) (NYSE: KLAR). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext. 7980.
The investigation concerns whether Klarna and certain of its officers and/or directors have engaged in securities fraud or other unlawful business practices.
[Click here for information about joining the class action]
On or around September 10, 2025, Klarna completed its initial public offering (“IPO”), selling 34.3 million shares priced at $40.00. Then, on August 18, 2026, Klarna announced its financial results for the second quarter of 2026. Among other items, Klarna significantly lowered its full-year 2026 revenue forecast to a range of $4.08 billion to $4.16 billion, down sharply from previous guidance of more than $4.34 billion. Klarna also announced that the Company’s Chief Financial Officer and Chief Marketing Officer would both depart Klarna early in 2027.
On this news, Klarna’s ordinary share price fell $4.45, or 22.81%, to close at $15.06 per share on August 18, 2026.
Pomerantz LLP, with offices in New York, Chicago, Los Angeles, London, Paris, and Tel Aviv, is acknowledged as one of the premier firms in the areas of corporate, securities, and antitrust class litigation. Founded by the late Abraham L. Pomerantz, known as the dean of the class action bar, Pomerantz pioneered the field of securities class actions. Today, more than 85 years later, Pomerantz continues in the tradition he established, fighting for the rights of the victims of securities fraud, breaches of fiduciary duty, and corporate misconduct. The Firm has recovered numerous multimillion-dollar damages awards on behalf of class members. See www.pomlaw.com.
Attorney advertising. Prior results do not guarantee similar outcomes.
Pomerantz LLP vyšetřuje možné porušení pravidel ze strany Klarna a některých jejích vedoucích pracovníků. Firma po výsledcích za 2. čtvrtletí snížila celoroční výhled tržeb na 4,08 až 4,16 miliardy USD z více než 4,34 miliardy USD.
NEW YORK, Sept. 01, 2026 (GLOBE NEWSWIRE) -- Pomerantz LLP is investigating claims on behalf of investors of Klarna Group plc (“Klarna” or the “Company”) (NYSE: KLAR). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext. 7980.
The investigation concerns whether Klarna and certain of its officers and/or directors have engaged in securities fraud or other unlawful business practices.
[Click here for information about joining the class action]
On or around September 10, 2025, Klarna completed its initial public offering (“IPO”), selling 34.3 million shares priced at $40.00. Then, on August 18, 2026, Klarna announced its financial results for the second quarter of 2026. Among other items, Klarna significantly lowered its full-year 2026 revenue forecast to a range of $4.08 billion to $4.16 billion, down sharply from previous guidance of more than $4.34 billion. Klarna also announced that the Company’s Chief Financial Officer and Chief Marketing Officer would both depart Klarna early in 2027.
On this news, Klarna’s ordinary share price fell $4.45, or 22.81%, to close at $15.06 per share on August 18, 2026.
Pomerantz LLP, with offices in New York, Chicago, Los Angeles, London, Paris, and Tel Aviv, is acknowledged as one of the premier firms in the areas of corporate, securities, and antitrust class litigation. Founded by the late Abraham L. Pomerantz, known as the dean of the class action bar, Pomerantz pioneered the field of securities class actions. Today, more than 85 years later, Pomerantz continues in the tradition he established, fighting for the rights of the victims of securities fraud, breaches of fiduciary duty, and corporate misconduct. The Firm has recovered numerous multimillion-dollar damages awards on behalf of class members. See www.pomlaw.com.
Attorney advertising. Prior results do not guarantee similar outcomes.
Klarna Group plc (KLAR) Q2 2026 Earnings Call August 18, 2026 8:30 AM EDT
Company Participants
Sebastian Siemiatkowski - Co-Founder, CEO & Director
Niclas Neglen - CFO & Director
Conference Call Participants
William Nance - Goldman Sachs Group, Inc., Research Division
Robert Wildhack - Autonomous Research US LP
Harshita Rawat - Bernstein Institutional Services LLC, Research Division
James Faucette - Morgan Stanley, Research Division
Bryan Keane - Citigroup Inc., Research Division
Connor Allen - JPMorgan Chase & Co, Research Division
Jason Kupferberg - Wells Fargo Securities, LLC, Research Division
Andrew Bauch - BMO Capital Markets Equity Research
Matthew O'Neill - BofA Securities, Research Division
Harry Bartlett - Rothschild & Co Redburn, Research Division
Kyle Peterson - Needham & Company, LLC, Research Division
Thomas Nilsson - Nordea Markets, Research Division
Moshe Orenbuch - TD Cowen, Research Division
Giuliano Anderes-Bologna - Compass Point Research & Trading, LLC, Research Division
Lemar Clarke
Presentation
Operator
Hello, everyone, and welcome to Klarna's Second Quarter 2026 Earnings Call. During this call, we will discuss our business outlook and make forward-looking statements. These statements are based on our current expectations and assumptions as of today. Actual results may differ materially due to various risks and uncertainties, including those described in our most recent filings with the SEC.
During this call, we will present both IFRS and non-IFRS financial measures. A reconciliation of non-IFRS to IFRS measures is included in today's earnings press release, which is distributed and available to the public through our Investor Relations website as well as filed with the SEC. Please note, unless otherwise stated, all comparisons in this call will be against our results for the comparable period in 2025. [Operator Instructions]
Before we move to Q&A, we will begin with a brief presentation. Sebastian, please go ahead.
Sebastian Siemiatkowski
Co-Founder, CEO & Director
Good morning, everyone, and thank you for joining. This was a good quarter. We delivered above
Klarna i přes silné výsledky za 2. čtvrtletí snížila celoroční výhled tržeb na 4,12 miliardy USD, plus minus 40 milionů USD, což investory zklamalo. Akcie v úterý ráno v 10:00 ET klesly o 21,9 %.
Klarna (KLAR -22.37%) is Swedish for "clear up" or "sort it out." The name feels ironic today, with the stock down 21.9% as of 10 a.m. ET, despite a strong Q2 report. Aren't headline surprises supposed to lift stocks?
Today's Change
(
-22.37
%) $
-4.37
Current Price
$
15.15
Q2 2026 was the easy part That wasn't a typo. The Stockholm-based fintech crushed Wall Street's estimates in the second quarter of 2026. The average analyst expected a net loss of $0.05 per share on revenues near $993 million. The company reported positive earnings of $0.01 per share and $1.04 billion of top-line revenues. That's not even a close call, and sales rose 27% year over year.
The stock fell anyway, for at least two clear reasons.
Management offered full-year revenue guidance of $4.12 billion, give or take $40 million. The current analyst consensus points to $4.42 billion, and Klarna's earlier guidance was above $4.34 billion. Klarna pointed to currency-exchange headwinds and shifting consumer trends in the German market. The earnings report wasn't Klarna's only news today. The company also announced transitions for its CFO and Chief Marketing Officer (CMO) roles. Six-year CFO Niclas Neglén and nine-year CMO David Sandström will remain in their roles into early 2027, but Klarna is looking for new talent in New York. It's hard to say which item weighed more heavily on Klarna's stock today. Weak guidance and executive turnover make a tough single-day combo.
Image source: Getty Images.
Down 47% and still hard to read After today's drop, the "buy now, pay later" specialist's stock is down 47% year to date. The company is growing rapidly while forming partnerships with OpenAI, where its AI shopping app now lives inside ChatGPT, and Alphabet (GOOG -0.28%) (GOOGL -0.35%), which is bringing Klarna's payment options to Google Search and the Gemini app. However, investors aren't sure what to make of its cloudy financial picture.
Klarna is clearing up its profit problem and creating a credibility issue instead. Beating a quarter is easy to celebrate; cutting the year is harder to explain away, especially while the CFO and CMO are packing their bags. I wish Klarna would live up to its clear-eyed name.
Anders Bylund has positions in Alphabet. The Motley Fool has positions in and recommends Alphabet and Klarna Group. The Motley Fool has a disclosure policy.
Klarna ve 2. čtvrtletí vykázala čistý zisk 9 milionů USD a tržby vzrostly o 27 % na 1,04 miliardy USD. Zároveň snížila celoroční výhled GMV na 149 až 151 miliard USD.
Klarna (KLAR.N), the Swedish "buy now, pay later" services provider and online bank, posted a profit in the second quarter on Tuesday while analysts had expected a net loss, helped by growth in its U.S. markets.
The company said its quarterly net profit was $9 million compared with a loss of $53 million in the year-earlier period, ahead of expectations of a loss of $17.4 million. Adjusted operating income was $91 million versus $29 million a year ago, it added.
Its gross merchandise volume (GMV), a metric for measuring sales, rose 18% to $36.6 billion in the quarter. GMV in the U.S. rose 27%.
However, the company trimmed its full-year GMV to between $149 billion and $151 billion, from greater than $155 billion seen previously, citing "a more measured view of primarily German volumes, our largest market by volume."
Klarna Group (NYSE:KLAR | KLAR Price Prediction) stock is sliding midday Monday, with shares down 7% to $19.38 ahead of the buy now, pay later (BNPL) firm’s second-quarter report. The pullback unwinds part of a three-week rally right before a binary event.
Klarna stock had climbed 4% for the week and 6% for the month through Friday’s close, and shares are down 33% year to date (YTD). The company went public on the New York Stock Exchange in September 2025, and Tuesday’s report before the market open is its most anticipated print since that listing.
Pre-Earnings De-Risking Ahead of Tuesday’s Print There’s no fresh company-specific Klarna news driving Monday’s drop. The move looks like straightforward profit-taking and risk reduction into an earnings event, with traders trimming exposure after a run that lifted the stock heading in. Positioning ahead of a binary earnings event often outweighs fundamentals in the final hours before a release.
The Street is looking for a Klarna loss of $0.06 per share on revenue of $995 million, per Fiscal.ai. Morgan Stanley raised its price target on Klarna stock to $21 from $18 while keeping an Equal Weight rating, and the 12-month average target sits at $24.55 per Koyfin. Of 22 analysts covering the stock, 13 have a Buy or higher rating and 9 have a Hold.
Retail sentiment on Stocktwits was neutral even as message volume surged 300% over 24 hours. One analyst noted expectations for a Q2 2026 beat on the back of robust e-commerce results, while flagging that Klarna’s discount to its larger BNPL competitor “likely only compresses with sustained execution on credit,” per TheFly.
Klarna’s own guidance sets the bar. For Q2 2026, management guided to GMV of $35.5 billion to $36.5 billion, revenue of $960 million to $1 billion, transaction margin dollars of $375 million to $395 million, and adjusted operating profit of $30 million to $50 million. The $995 million consensus revenue figure sits inside that range, shifting the focus to margins and credit.
Last quarter, Klarna posted a loss of $0.01 per share against a $0.13 consensus, on revenue of $1.012 billion, up 51.3% year over year (YoY). Fair Financing GMV grew 138% YoY to $4.1 billion, reaching 12% of total GMV, and interest income rose 56% to $284 million. Management has told investors that credit-loss provisions are expected to rise across Q2, Q3, and Q4 on seasonality, Fair Financing growth will moderate as comparables normalize, and the foreign exchange tailwind from a weaker dollar will diminish through the year.
BNPL Peers Split: Sezzle, PayPal, and Affirm Sezzle (NASDAQ:SEZL) stock is down 5% to $122.89 midday Monday. The smaller BNPL platform’s shares are still up 103% YTD, though Sezzle stock is down 32% for the month after a sharp reset from July highs, and up 9% for the week through Friday. That mixed pattern reflects investors still digesting Sezzle’s most recent print rather than reacting to anything new today.
PayPal (NASDAQ:PYPL) stock is down 2% to $60.35 in the large-cap payments corner. PayPal shares are up 11% for the month and up 6% YTD, holding steadier than either Klarna or Sezzle heading into the Klarna earnings report. The scale of PayPal’s payments platform makes it less sensitive to any single BNPL data point.
Affirm (NASDAQ:AFRM) stock is down 4.17% to $75.08 Monday, giving back a chunk of last week’s advance after the shares closed Friday at $78.35. Affirm had gained 4.12% for the week through Friday’s close, though it remains down 4.11% over the past month, and it’s still up 5.27% year to date on that same basis. As the larger U.S.-listed buy-now-pay-later platform, Affirm serves as the natural valuation anchor for Klarna, and the fact that it’s falling alongside Klarna on a day with no sector news suggests investors are trimming BNPL exposure broadly ahead of Tuesday’s print rather than singling out one name.
The split across the three names supports the read that Monday’s action is Klarna-specific positioning rather than a category event. When Sezzle, PayPal, Affirm, and Klarna splinter on the day before an earnings report, it usually points to single-name flows and hedging, not a macro repricing of BNPL.
What to Watch Investors can watch for whether Klarna’s revenue lands inside the guided $960 million to $1 billion range, whether transaction margin dollars hit the guided $375 million to $395 million, and whether adjusted operating profit stays positive within the $30 million to $50 million guide. Provision growth and full-year commentary are the two swing factors that could dictate the reaction into Wednesday.
The other tells for Klarna include how much provisions climb, and whether management reaffirms the full-year framework of GMV above $155 billion and adjusted operating profit above 6.9% of revenue. Tuesday’s release before the open could set the tone for BNPL sentiment into the back half of the year.
Contact [email protected] for any questions or corrections.
Cashback rates increased and extended to all purchases with Klarna on Plus and above
Plans now include as many as 23 standout subscriptions, including recent additions NordVPN, Livi, foodora and Voi*
NEW YORK--(BUSINESS WIRE)--Klarna, the global digital bank and flexible payments provider, today unveiled its most significant membership upgrade yet. The revamped tiers deliver more cashback, up to €6,000 worth of perks, and remove service fees — built so a Klarna membership pays for itself, and then some.
Klarna's improved membership lineup spans four tiers, each built for a different kind of member but all embodying a flexible ethos: pay only for the Klarna that fits your life. Pay later is free at partner stores, or get broader fee-free access with Everywhere (formerly Core), or climb to Plus, Premium or Max for richer cashback rewards, bigger, everyday perks and a growing set of subscriptions and protections.
A Klarna membership is a fairer alternative to a credit card by design, and one of the biggest differences is freedom. While other cards tie you in for a year, a Klarna membership moves with you. Upgrade for a big travel month and drop back down when things are quieter, with no penalty and no year-long lock-in. There’s no interest on pay later and no pressure to spend, so you simply get more from your money, every month.
The Klarna membership revamp brings three main changes:
Standout new perks worth as much as €6,000 annually: We've recently added NordVPN, Livi, foodora and Voi to existing subscriptions like ClassPass, Headspace, The New York Times, Condé Nast, Storytel, Picsart, Blinkist and Clue*. Plus get travel data, hotel status upgrades, airport lounge access, and UK members can also now enjoy exclusive mobile plans with unlimited data as part of their membership. Removal of all service fees: Pay later at any store, fee-free with Klarna Everywhere. At partner stores, pay later is free for all, no membership needed More cashback: The higher your tier, the more you earn back Membership cashback: Up to 1.5% cashback on every purchase with Klarna Partner cashback: Up to 4x the baseline in-app cashback offering at featured stores This builds on everything members already love about a Klarna membership, like damage and theft cover, a best price guarantee, purchase protection and exclusive merchant discounts. Higher up, there’s also a metal card, travel insurance, airport lounge access and cancel-for-any-reason protection for covering live events and trips.
Members can also convert their Klarna earned cashback points directly to leading travel and hospitality partners, including global airline loyalty programs like The British Airways Club, Flying Blue and Turkish Airlines Miles&Smiles, plus iconic hotel programs like ALL Accor, IHG One Rewards, Hilton Honors, Radisson Rewards, Wyndham Rewards and Global Hotel Alliance Discovery.
"This is the democratisation of banking perks. You shouldn't have to commit for a year and take out a credit card to get cashback and premium benefits. A Klarna membership is flexible, transparent, doesn’t depend on debt, and dollar for dollar, there's nothing in Europe that even comes close on value,” said Klarna Chief Executive Officer and Co-Founder Sebastian Siemiatkowski.
"People want more from their money, without the barriers. Choose the tier that fits your life and change it whenever life changes – the value is always yours. That's money working for you, not the other way around, and it's the everyday money network that we're building,” Siemiatkowski added.
Non-members can use Klarna without service fees anywhere it’s offered at checkout, including Pay in 3, Pay in Full, and Klarna Financing (eligibility applies), as well as use Klarna Balance, Klarna Card in debit mode, get cashback at featured stores in the Klarna app, and access app features like delivery tracking, wishlists, price-drop notifications and loyalty cards.
Klarna Members get all this and much more across four tiers built to fit however they choose to pay, save and spend. New members get their first month of Klarna Everywhere or Plus for just €0.99, or 30% off the first three months of Premium or Max.
The new membership plans are rolling out gradually in the coming weeks in Denmark, Germany, Austria, Italy, France, Spain, Belgium, the UK, Norway, Sweden and Finland, with other regions to follow soon.
The Membership Plans
Klarna Everywhere (€4.99/month) — Use Klarna everywhere
Unlock access to use Klarna everywhere Visa is accepted, without service fees, for the price of a coffee a month. After two fee-free purchases it's already paid for itself.
Use Klarna fee-free anywhere Visa is accepted (subject to credit approval) A Klarna Credit Card, including a physical card (eligibility applies) Access to the One-Time card Exclusive discounts in the Klarna app worth €15 a month Plus access the classic Klarna toolkit: Flexible payments and Pay in Full anywhere Klarna’s offered at checkout Klarna Balance and Klarna Card in debit mode Klarna Financing (eligibility applies) Cashback at featured stores in the Klarna app, and other in-app features like delivery tracking, wishlists, price-drop notifications and loyalty cards. Klarna Plus (€9.99/month) — Earn more, save more, worry less
Cashback on everything you pay for, plus protection on what you buy, and perks worth having.
Everything in Everywhere, plus: Stackable cashback rewards: 0.5% cashback every time you pay with Klarna, whether on debit or pay later, paid out monthly on Klarna Rewards Day 2x in-app partner cashback: Double rewards at featured stores when you shop in the Klarna app Higher interest on your savings: Extra 0.1% on top of the current Klarna standard rate Subscriptions like ClassPass, Bon Appétit, Epicurious and Laundryheap Purchase protection: Damage and theft covered up to €500 30-day best price guarantee: found it cheaper? Get the difference back Exclusive discounts in the Klarna app worth €80 a month, like Booking.com, Nike, MediaMarkt, or Sephora Better travel benefits: Discounted lounge passes at 1,900+ airports worldwide GHA Gold status with the Global Hotel Alliance 1GB travel data: eSIM in 200+ countries Access to Klarna priority customer support Klarna Premium (€19.99/month) — More of everything, with premium access
Get as many as 12 subscriptions for the price of one, plus cashback, purchase protections, travel cover, a metal card, and access to a dedicated support team.
Everything in Plus, plus: 1% membership cashback on all Klarna payments and a 3x in-app partner cashback multiplier Even higher interest on your savings: Extra 0.2% on top of the current rate As many as 12 digital subscriptions, including NordVPN, Classpass, Headspace, New York Times, foodora, Vogue, GQ, Voi, Blinkist, and Clue Expanded purchase protection plus 24-month extended warranty on purchases Even better travel benefits: Global travel and rental car insurance 2GB of travel data GHA Platinum status with the Global Hotel Alliance Further discounted lounge passes at 1,900+ airports worldwide A premium silver metal card Access to a Klarna dedicated support team Klarna Max (€44.99/month) — Max out your money, protections, and subscriptions
The highest cashback rates Klarna offers, as many as 23 subscriptions, and travel cover that even refunds cancelled trips. For members who want it all working, all the time.
Everything in Premium, plus: 1.5% membership cashback on all Klarna payments Plus a 4x in-app partner cashback multiplier Max interest on your savings: Extra 0.5% on top of the current rate As many as 23 digital subscriptions, including NordVPN, Classpass, Headspace, New York Times, foodora, Voi, Blinkist, Clue, The New Yorker, Wired, Vanity Fair, Vogue, GQ, Condé Nast Traveler, Architectural Digest, Bon Appétit & Epicurious A free mobile phone plan with unlimited data (UK only) Cancel-for-any-reason protection on trips and events: 70% refund on non-refundable trips and events canceled 24+ hours before The best travel benefits: Unlimited complimentary airport lounge access GHA Titanium status with the Global Hotel Alliance 5GB of travel data A premium rose gold metal card * Offerings may vary by region.
Forward-Looking Statements
This press release contains forward-looking statements within the meaning of applicable securities laws. These statements include, but are not limited to, statements regarding our future financial performance, business strategy, growth objectives and market opportunities. Words such as "believe," "expect," "anticipate," "intend," "plan," "will," "may," "could," "estimate," and similar expressions identify forward-looking statements. These forward-looking statements are subject to risks, uncertainties, and assumptions that could cause actual results to differ materially from those expressed or implied. Forward-looking statements reflect our views as of the date of this release and are based on information currently available to us. We undertake no obligation to update any forward-looking statements, except as required by law. Actual results may differ materially from those anticipated. Investors should not place undue reliance on these forward-looking statements and should review the risk factors in our filings with the SEC for a more complete discussion of risks.
About Klarna
Klarna is a global digital bank and flexible payments provider. With over 119M global active Klarna users and 3.4M transactions per day, Klarna's AI-powered payments and commerce network is empowering people to pay smarter with a mission to be available everywhere for everything. Consumers can pay with Klarna online, in-store and through Apple Pay & Google Pay. More than 1M retailers trust Klarna's innovative solutions to drive growth and loyalty, including Uber, H&M, Saks, Sephora, Macy's, Ikea, Expedia Group, Nike and Airbnb. Klarna is listed on the New York Stock Exchange (NYSE: KLAR). For more information, visit Klarna.com.
Klarna připravuje SRT na přesun úvěrového rizika z BNPL půjček za zhruba 5 miliard SEK, což by jí uvolnilo kapitál pro další růst. Transakce může být dokončena do konce čtvrtletí.
Klarna is working on a significant risk transfer (SRT) that will enable it to offload credit risk tied to buy now, pay later (BNPL) loans and free up capital, Bloomberg reported Tuesday (July 14), citing unnamed sources.
The SRT is tied to about 5 billion kroner (about $516 million) of loans originated by Klarna’s Swedish unit, and the transaction may be completed by the end of the quarter, according to the report.
Reached by PYMNTS, Klarna declined to comment on the report.
SRTs, which are also known as synthetic risk transfers, allow investors to earn regular payments in return for taking on credit risk from a lender’s portfolio.
Klarna is working on its SRT while looking to roll out new products and grow its business in several countries, especially the United States, at a time when its shares are trading at about half the price they achieved in the company’s September initial public offering, according to the Bloomberg report.
An SRT would enable Klarna to undertake new lending, acquisitions or shareholder payouts, per the report.
Klarna announced in April that it entered into a new SRT that covers $1.7 billion in euro-denominated loans and frees up capital to support continued growth. The company said the deal was its sixth SRT transaction.
“This is our largest and most efficient SRT transaction to date,” Klarna Chief Financial Officer Niclas Neglén said in an April 1 press release. “These transactions allow us to maximize every unit of capital to support our continued momentum.”
Klarna said during a May earnings report that in the first quarter, its revenue increased 44% year over year to reach $1 billion and its gross merchandise volume rose 33% to $33.7 billion.
PYMNTS reported at the time that Klarna pushed deeper into everyday spending during the quarter as consumers used BNPL for everything from groceries to larger-ticket purchases and as deposits, debit usage and point-of-sale financing accounted for a greater part of the company’s growth story.
Klarna announced July 6 that it applied to establish Klarna Bank USA, its proposed Utah-chartered industrial bank. The company has been licensed as a bank in Europe since 2017 and offers banking services in the U.S. through a network of partners.
Klarna uzavřela dlouhodobé partnerství se Southwest Airlines, které od později letos nabídne zákazníkům při rezervaci flexibilní platby včetně čtyř bezúročných splátek. Týká se to webu Southwest.com i aplikace.
NEW YORK--(BUSINESS WIRE)--Klarna, the global digital bank and payments provider, and Southwest Airlines® today announced a long-term partnership to bring new flexible, transparent payment options to millions of Southwest® customers across the United States.
More than one in four Americans say they're more likely to book when flexible payment options are available at checkout1. Starting later this year, travelers booking on Southwest.com® and the Southwest® app will be able to choose from Klarna’s range of payment options at checkout, including paying in full, splitting the cost into four interest-free installments, or financing their trip over time.
"Southwest has spent over 50 years making flying accessible to more Americans, and we're proud to be the partner that takes that mission one step further," said David Sykes, Chief Commercial Officer at Klarna. "Whether booking a long weekend or a cross-country trip, millions of travelers will now have access to Klarna's flexible payment options at checkout, providing a smart booking experience that gives travelers more choice in how they pay."
The partnership places Klarna in front of one of the largest travel audiences in the country. Southwest carries more nonstop domestic passengers than any other U.S. airline, serving over 134 million customers in 2025.2 For Klarna, the deal marks another milestone in its push to become the default payment choice for travel. No other player in the space matches Klarna's global scale or the breadth - 119 million consumers across 26 countries - of its financial products, from flexible payments to savings and spending tools. Known for its transparent pricing and customer-first approach, Southwest is a natural partner for Klarna as it continues to scale its presence in travel.
“Southwest is focused on giving more choice to Customers when they travel with us,” said Corbitt Burns, Managing Director Loyalty & CoBrand at Southwest Airlines. “With Klarna’s flexible payment options, customers gain another convenient way to book flights and enjoy our industry-leading reliability and Hospitality.”
1 https://www.empower.com/the-currency/money/buy-now-pay-later-statistics
2 Based on U.S. Dept. of Transportation quarterly Airline Origin & Destination Survey as of Q4 2025
Forward-looking statements
This press release contains forward-looking statements within the meaning of applicable securities laws. These statements include, but are not limited to, statements regarding our future financial performance, business strategy, growth objectives and market opportunities. Words such as "believe," "expect," "anticipate," "intend," "plan," "will," "may," "could," "estimate," and similar expressions identify forward-looking statements. These forward-looking statements are subject to risks, uncertainties, and assumptions that could cause actual results to differ materially from those expressed or implied. Forward-looking statements reflect our views as of the date of this release and are based on information currently available to us. We undertake no obligation to update any forward-looking statements, except as required by law. Actual results may differ materially from those anticipated. Investors should not place undue reliance on these forward-looking statements and should review the risk factors in our filings with the SEC for a more complete discussion of risks.
About Klarna
Klarna is a global digital bank and flexible payments provider. With over 119 million global active Klarna users and 3.4 million transactions per day, Klarna’s AI-powered payments and commerce network is empowering people to pay smarter with a mission to be available everywhere for everything. Consumers can pay with Klarna online, in-store and through Apple Pay & Google Pay. More than one million retailers trust Klarna’s innovative solutions to drive growth and loyalty, including Uber, H&M, Saks, Sephora, Macy’s, Ikea, Expedia Group, Nike and Airbnb. Klarna is listed on the New York Stock Exchange (NYSE: KLAR). For more information, visit Klarna.com.
Klarna požádala americké a státní regulátory o povolení založit bankovní dceřinou společnost v USA. Pokud uspěje, Klarna Bank USA bude institucí pojištěnou FDIC v Utahu.
Klarna, the Swedish fintech firm best known for its buy now, pay later offerings, said Monday it applied to federal and state regulators to establish a U.S. bank subsidiary.
The firm said that, if approved, Klarna Bank USA would be a Federal Deposit Insurance Corp.-backed institution chartered in Utah. The proposed bank would be led by Gary Harding, former CEO of Milestone Bank and Prime Alliance Bank, according to Klarna.
"We've seen firsthand the appetite for a fairer, more transparent approach in the U.S., and our own banking license is the natural next step," said Sebastian Siemiatkowski, co-founder and CEO of Klarna.
The move will give "customers tools to borrow responsibly and build financial confidence, while bringing greater competition, innovation, and choice" to the market, he said.
Klarna's application is the latest sign that fintech firms, which mostly partner with U.S. banks to offer services, now see owning their own charters as a key advantage. In April, fintech provider Mercury said it won conditional approval to establish its own bank, joining a wave of fintech and crypto firms seeking entry to the traditional banking system.
Klarna said that its charter, if approved, would let it bring its banking operations in-house and strengthen reliability across payments, credit and merchant services.
The application marks Klarna's latest step toward becoming a broader consumer bank rather than just a buy now, pay later provider. Last month, Klarna introduced high-yield savings accounts to U.S. customers, though its partner WebBank holds those accounts.
By owning a bank, fintech firms can fund loans with their own customer deposits instead of more expensive wholesale financing, directly offer checking accounts and credit cards and rely less on third-party banking partners.
Klarna, which went public last September, is trading for about half of its initial public offering price of $40.
Klarna po verdiktu švédského soudu získala nárok na 1,97 miliardy USD vůči Alphabet. Firma říká, že by to mohlo posílit její rozvahu a urychlit cestu k ziskovému hospodaření.
European regulatory actions are beginning to reshape parts of the buy now, pay later (BNPL) sector, potentially shifting the capital trajectory of financial technology players. A historic antitrust verdict could redefine the balance sheet potential of one of the most heavily debated growth assets on the market, penalizing a digital search monopoly while also providing an aggressive competitor with a lucrative, non-dilutive financial runway.
When the Swedish Patent and Market Court dropped a $1.97 billion damages penalty on Alphabet Inc. NASDAQ: GOOGL this week, global headlines immediately focused on the escalating regulatory pressures facing tech monopolies. The Swedish court ruled that Alphabet systematically abused its dominant position in search to favor proprietary shopping tools over independent price-comparison platforms. While this sets a distinct legal precedent for Big Tech monopolies, the actionable story for retail investors is not about the loser in the courtroom.
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Weighing the Impact on Klarna's LedgerKlarna Group Today
$19.72 0.00 (-0.01%)
As of 07/2/2026 03:59 PM Eastern
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52-Week Range$12.06▼
$57.20Price Target$32.12
The true narrative centers on the victor, Klarna Group NYSE: KLAR, and how an unexpected influx of capital could reshape its balance sheet and accelerate its path to profitability. To understand the magnitude of this event, investors must look past the legal jargon and evaluate the raw numbers.
Klarna's PriceRunner subsidiary successfully proved its case against Alphabet, resulting in the largest competition damages award in Swedish history. More importantly for shareholders, that $1.97 billion judgment represents roughly 25% of Klarna's total market capitalization of $7.37 billion. This legal windfall provides a critical anchor for a stock navigating a turbulent post-IPO environment.
The $1.97B Injection Klarna Desperately NeedsTo accurately price this catalyst, investors must position the cash award relative to Klarna's current financial realities. Klarna went public in a highly anticipated September 2025 initial public offering, but shares have struggled to maintain momentum.
Klarna's stock price has remained down approximately 30% since the start of the year, trading near $20. A major factor driving that downward pressure was the expiration of Klarna's post-IPO lock-up period on March 9, 2026, which abruptly opened approximately 335 million pre-IPO shares to potential institutional liquidation.
Despite the sluggish chart performance, the underlying business is executing at an exceptional level. In its most recent quarter, Klarna delivered top-line revenue of $3.51 billion on an annualized basis, reflecting a 42.7% year-over-year growth. Klarna also reported an earnings-per-share loss of 1 cent, beating the consensus estimate of a 13-cent loss.
Klarna remains an unprofitable enterprise in its current growth phase. Trailing 12-month net margins sit at -5.21%, translating to a net income loss of $294 million. When an operation runs with negative margins and a lofty forward price-to-earnings ratio of nearly 500, access to cheap capital is critical. A $1.97 billion non-dilutive capital injection is the ultimate fundamental stabilizer. It provides Klarna with the financial runway it needs to fund its aggressive expansion without tapping high-interest debt markets or issuing new equity that would dilute existing shareholders.
Klarna Group plc (KLAR) Price Chart for Friday, July, 3, 2026
Defending the Title Through the Appeals ProcessWhile a headline figure of nearly two billion dollars is enough to send shares up 6% in a single session, pragmatic investors must discount that gross figure before modeling it into future cash flows.
Alphabet operates with a deeply entrenched legal defense infrastructure and has already signaled its intent to appeal the Swedish court's decision. This introduces immediate appellate friction, meaning the capital will not hit Klarna's balance sheet this quarter or likely even this year. The timing of the liquidity event remains highly uncertain, and markets despise uncertainty.
The net payout will be significantly smaller than the gross award. Klarna acquired PriceRunner in 2022, and the structure of that acquisition, combined with the immense costs of a multi-year antitrust lawsuit, guarantees the final judgment could be reduced.
Litigation funders, legal teams, and former PriceRunner stakeholders will all take their contractual percentages. What remains will then be subject to applicable corporate taxation. The net cash position Klarna eventually secures will still be highly impactful, but anchoring a valuation model to the raw $1.97 billion figure is a fast track to mispricing the equity.
Alphabet's Stock Barely ReactedLooking at the other side of the courtroom reveals an entirely different market reality. Alphabet shares remained largely insulated by the headline, trading modestly higher during the July 1 session. Alphabet's short interest currently sits at an immaterial 0.84% of the public float, representing roughly 89.84 million shares. Institutional bears are not leveraging European antitrust headwinds as a short thesis, proving the broader market prices the penalty as an operational expense rather than a structural valuation threat.
Alphabet is experiencing consistent insider selling, with executives like Sundar Pichai and John Kent Walker offloading millions of shares, but this distribution is tied to valuation highs and capital structuring, not regional litigation fears. The market is currently digesting Alphabet's recently announced $80 billion equity financing plan designed to fund $36 billion in artificial intelligence (AI) infrastructure expansions. That dilution risk is the primary downward pressure on Alphabet, not the Swedish penalty.
Assuming the legal victory holds through the appeals process, Klarna will aggressively deploy its new capital to compete in that same artificial intelligence arena. Klarna is repositioning itself from a simple checkout button to a comprehensive, AI-driven commerce destination.
The PriceRunner architecture is already embedded across 13 distinct geographic markets, allowing Klarna to offer consumer price comparisons directly within its proprietary app. By vertically integrating search, product discovery, and flexible payments into a single ecosystem, Klarna aims to capture consumer intent before they ever reach a traditional search engine.
For institutional backers like SoftBank Group and Silver Lake, this legal victory validates the strategic foresight behind the 2022 PriceRunner acquisition.
Placing Bets After the Final BellThe Swedish antitrust ruling creates a distinct structural catalyst for Klarna, temporarily overriding broader macroeconomic concerns regarding consumer spending. The fundamental reality is that Klarna is growing revenue at a 42.7% clip, beating earnings estimates, and now has a historic legal judgment serving as a long-term financial backstop.
Investors looking for high-beta exposure to the evolving digital payments landscape might want to add Klarna Group to their watchlist as the market digests the long-term balance sheet implications of this courtroom knockout.
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Klarna se spojí s Boltem a v aplikaci nabídne platby za jízdy a skútry ve čtyřech trzích. Partnerství má rozšířit dosah Klarny mimo e-commerce k více než 200 milionům zákazníků Boltu.
Key Takeaways Klarna will add Pay in Full and installment payments to Bolt rides and scooter trips in four markets.Klarna gains exposure to Bolt's 200M customers, expanding beyond retail and e-commerce.KLAR reported Q1 2026 active consumers up 21% and GMV up 33%, supporting growth efforts. Klarna Group plc (KLAR - Free Report) is expanding into mobility through a new partnership with Bolt, a leading European shared mobility platform. Per the agreement, Klarna’s payment options will be integrated directly into the Bolt app, allowing users in Sweden, Germany, Finland and Norway to pay for car rides and scooter trips using Klarna’s “Pay in Full” feature or customized monthly installment plans. Using secure tokenization, riders can link accounts once for seamless automated billing on future trips. The rollout is expected to wrap up across these markets by late June 2026.
The partnership extends Klarna’s reach beyond its traditional retail and e-commerce roots into transportation services. By embedding its payment solutions into a service consumers use regularly, Klarna can become a larger part of customers’ daily spending habits while expanding its reach through Bolt’s network of more than 200 million customers across 50 countries.
The move aligns with Klarna’s strategy of increasing payment frequency and driving engagement beyond online shopping. Mobility services are particularly attractive because they generate recurring transactions and encourage repeat usage. Integrating Klarna into the Bolt app will also increase its visibility among millions of users across Europe.
The partnership supports Klarna’s efforts to diversify its revenue base. Klarna entered the deal with strong momentum, as active consumers rose 21% year over year to 119 million and Gross Merchandise Volume (GMV) increased 33% in first-quarter 2026. While the initiative is unlikely to have a material near-term financial impact, it strengthens Klarna’s long-term growth strategy and expands its presence across consumer transactions.
How Are Competitors Faring?While Klarna is expanding into everyday mobility payments, other payment companies like Affirm Holdings, Inc. (AFRM - Free Report) and Visa Inc. (V - Free Report) are finding new ways to grow by tapping into travel and AI-driven commerce.
Affirm expanded its partnership with Royal Caribbean, bringing buy now, pay later (BNPL) options to cruise bookings in the United Kingdom and Canada. Affirm also strengthened its presence in the travel sector through broader integrations, reflecting its efforts to move beyond traditional retail purchases.
Visa recently integrated its payment capabilities into ChatGPT, allowing AI agents to securely complete purchases using tokenized credentials. The move highlights Visa's growing focus on AI-powered commerce and its efforts to make digital payments more seamless across emerging platforms.
KLAR’s Price Performance, Valuation & EstimatesShares of KLAR have lost 34.9% year to date compared with the industry’s decline of 16.7%.
Image Source: Zacks Investment Research
From a valuation standpoint, KLAR trades at a forward price-to-sales ratio of 1.46X, down from the industry average of 4.72X.
Image Source: Zacks Investment Research
The Zacks Consensus Estimate for KLAR’s 2026 earnings is pegged at 4 cents per share, implying a 105.06% jump from the year-ago period’s level.
Image Source: Zacks Investment Research
KLARcurrently carries a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
