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Visual21 Nov 2025
Data center suppliers
Klarna Group (KLAR) investor relations material
Klarna Group Avanza Börsdag 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Avanza Börsdag 2025 summary20 Nov, 2025
Key growth highlights
Achieved 32% annual transaction growth and reached $118b GMV with 114m active consumers by Q3 2025.
Expanded to 26 markets, onboarding major global merchants and achieving 10% US population penetration.
Fair Financing GMV grew 139% YoY, with 151k merchants enabled and a forward flow agreement for $6b capital-light GMV growth.
Revenue growth outpaced the market, with 51% YoY growth in the US and 34% globally in Q3 2025.
IFRS net income turned positive in FY 2024, with disciplined cost control and operational efficiency improvements.
Strategic initiatives and product expansion
Pursuing global distribution, aiming to be available everywhere VISA is, with 851k merchants and new partnerships.
Expanding payment methods, with 367k merchants offering Pay in Full and 151k offering Fair Financing by Q3 2025.
Transitioning from payments to a full neobank, offering cards, savings, and cashback with tiered membership benefits.
Leveraging AI for customer service, with 28m annual conversations and $58m in annual cost savings.
Focused on customer obsession, operational efficiency, and leading AI innovation.
Financial performance and operational efficiency
GMV and revenue growth accelerated in Q3 2025, with Q4 2025 outlook projecting 28-31% GMV and 36-38% revenue growth YoY.
Transaction margin dollars grew 23-26% YoY, with planned profitability lag due to US Fair Financing investment.
Realized credit losses fell YoY, with Fair Financing delinquencies down 5% and charge-offs stable.
Average revenue per employee increased 3.2x since 2022, with staff costs reduced and compensation per employee up.
Sustained revenue growth achieved with only 2% growth in adjusted operating expenses from Q3 2022 to Q3 2025.
Detail the Q4'25 Fair Financing profitability lag
AI's strategic impact beyond cost savings
How Klarna's neobank offer differentiates
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Frequently asked questions
Buy Now, Pay Later
Klarna Bank AB, commonly known as Klarna, is a Swedish fintech company offering a wide range of online financial services. Specializing in payment processing for the e-commerce sector, Klarna is recognized for its "buy now, pay later" service, which allows consumers to make purchases online and pay for them at a later date. The company's services also include direct payments, installment plans, credit cards, and more. It is headquartered in Stockholm, Sweden.
Early Days and Concept
The idea for Klarna was conceived in 2005 when the founders, Sebastian Siemiatkowski, Niklas Adalberth, and Victor Jacobsson participated in the Stockholm School of Economics' annual entrepreneurship competition. Although they did not win, they were determined to realize their vision. Klarna's business model was designed around providing payment solutions that allowed consumers to pay for online purchases after receiving the goods, thus addressing the trust issues prevalent in e-commerce transactions at the time. Today, Klarna is a very popular payment provider and has partnered with services such as Shopify and Adyen, while also providing its services to retailers and other e-commerce companies.
Further reading: Klarna's Potential 2024 IPO: From Sequoia to Wall Street
Klarna's Main Offerings Include:
Pay Later: Klarna allows consumers to order products online and pay for them after delivery. The typical period for payment after delivery is 14 to 30 days, depending on the merchant's policy.
Pay Now: For consumers who prefer to pay for their purchases immediately, Klarna offers direct payments through bank transfer or card payments.
Installment Payments: Klarna also provides options for consumers to spread the cost of their purchases over time. This can be done through monthly installments, allowing buyers to manage their finances more flexibly without incurring interest or additional fees if payments are made on time.
Financial Services: Beyond payment solutions, Klarna offers a range of financial services, including credit card and savings accounts in some markets.
Merchant Services: For merchants, Klarna provides a suite of services designed to increase sales and customer loyalty. These include payment processing, acquisition and retention tools, and insights into customer behavior.
Klarna's Key Markets
Klarna has a strong presence in Europe, serving countries such as Sweden (where it is headquartered), Norway, Denmark, Finland, Germany, Austria, the Netherlands, Belgium, the United Kingdom, France, Spain, Italy, Portugal, Poland, and more. Europe is Klarna's largest market, but the company is also active in North America and Australia.
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