Klarna Group plc (KLAR) Stock Price & Analysis
Klarna Group plc (KLAR) closed at USD 13.23 on Thursday, October 22, 2026, up 0.84% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 13.12; the Oct 22, 2026 session ranged USD 12.94–13.33 on volume of 4,404,167 shares. Market capitalization is $5.02B, with a 52-week range of USD 12.06–40.05 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 10:08 UTC.
Also available as compact Markdown for AI agents: nexqual.com/KLAR.md
Key facts (KLAR)
- Insider open-market purchases, last ~7 months: 1 Form 4 filing, $9.9M; 0 by opportunistic insiders, 0 by routine insiders.
- Analysts: Hold (mean 2.54 on a 1–5 scale) (24 analysts), mean target USD 19.25 (range 13–38.3).
- Total return with dividends: 1Y -64.2% vs S&P 500 +14.9%; 5Y -69.2% vs S&P 500 +80.3%.
- Next earnings: 2026-11-17, EPS estimate USD -0.13, revenue estimate $964M.
Insider purchases (SEC Form 4, open-market, last ~7 months) (KLAR)
1 purchase, $9.9M. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-08-26 | Siemiatkowski Sebastian | Chief Executive Officer | 692,506 | $9.9M | 14.37 | Too little history (no open-market trades in 2023–2025) |
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (KLAR)
Consensus Hold (mean 2.54 on a 1–5 scale), 24 analysts; mean target USD 19.25 (low 13, high 38.3).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-06 | TD Cowen | Target lowered | Hold | $18 → $16 |
| 2026-09-02 | Scotiabank | Initiated | Sector Perform | $16 |
| 2026-08-25 | Wolfe Research | Downgrade | Outperform → Peer Perform | |
| 2026-08-24 | UBS | Downgrade | Buy → Neutral | $23 → $16 |
| 2026-08-21 | Keefe, Bruyette & Woods | Target lowered | Outperform | $26 → $21 |
| 2026-08-19 | Morgan Stanley | Target lowered | Equal-Weight | $21 → $17 |
| 2026-08-19 | BMO Capital | Target lowered | Market Perform | $19 → $15 |
| 2026-08-19 | TD Cowen | Target lowered | Hold | $19 → $18 |
| 2026-08-19 | Barclays | Target lowered | Equal-Weight | $20 → $16 |
| 2026-08-19 | Wells Fargo | Target lowered | Overweight | $26 → $21 |
| 2026-08-19 | JP Morgan | Downgrade | Overweight → Neutral | $22 → $18 |
| 2026-08-14 | Morgan Stanley | Target raised | Equal-Weight | $18 → $21 |
Total return (dividends reinvested) (KLAR)
| 1Y (from 2025-10-23) | 5Y (from 2025-09-08) | |
|---|---|---|
| Total return | -64.2% | -69.2% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -64.4% | -65.0% |
| Volatility (annualized) | 71.4% | 72.6% |
| Max drawdown | -69.1% (Oct 2025→Mar 2026) | -71.5% (Sep 2025→Mar 2026) |
KLAR suppliers, customers and competitors (named in its 20-F)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Expedia (EXPE) | “Expedia transactions made by new Klarna customers more than doubled in the United States year over” |
| Partner | OpenAI | “AI assistant in partnership with OpenAI.” |
| Partner | Walmart (WMT) | “available at a broader merchant network, including major partners like Walmart.” |
| Partner | Apple (AAPL) | “•Partner with digital wallets—seamless integration with Apple Pay and Google Pay.” |
| Partner | Alphabet (Google) (GOOGL) | “•Partner with digital wallets—seamless integration with Apple Pay and Google Pay.” |
Quoted from the company's 20-F filed Feb 26, 2026.
KLAR analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $-0.13 | $0.07 | -302.7% | $964.4M | 3 |
| Next quarter (ends Dec 2026) | $0.10 | $0.13 | -25.3% | $1.12B | 15 |
| Current fiscal year (ends Dec 2026) | $0.04 | $0.30 | -86.5% | $4.13B | 3 |
| Next fiscal year (ends Dec 2027) | $0.54 | $0.75 | -28.3% | $4.75B | 18 |
KLAR options: expected move
Options price a move of about ±14.4% (±$1.90) by Nov 20, 2026, which includes earnings on Nov 17, 2026; the earnings reaction alone is priced at about ±9.6%.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Oct 30, 2026 | 7 | 46.6% | ±5.7% |
| Nov 6, 2026 | 14 | 48.3% | ±7.9% |
| Nov 13, 2026 | 21 | 48.7% | ±9.6% |
| Nov 20, 2026 | 28 | 64.3% | ±14.4% |
| Nov 27, 2026 | 35 | 60.2% | ±14.9% |
| Dec 4, 2026 | 42 | 60.0% | ±16.3% |
| Dec 18, 2026 | 56 | 57.7% | ±18.0% |
| Jan 15, 2027 | 84 | 55.7% | ±20.8% |
30-day implied volatility 60.6% vs 34.3% realized over the last 30 trading days. Put/call ratio (volume) 1.1. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 10:08 UTC)
| Price | USD 13.23 |
|---|---|
| Change | ▲ 0.84% (up) |
| Previous Close | USD 13.12 |
| Open | USD 12.9 |
| Day Range | USD 12.94 – 13.33 |
| 52-Week Range | USD 12.06 – 40.05 |
| Volume | 4,404,167 shares |
| Market Cap | $5.02B |
| Exchange | NYQ |
Technical Analysis (KLAR)
Nexqual's technical model rates KLAR "SELL" based on 1 bullish and 4 bearish signals across 127 daily candles, as of October 23, 2026 at 10:08 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 45.9 (neutral) |
| vs SMA50 | Below (USD 14.06) |
| MACD | -0.24 (negative) |
Analyst Ratings (KLAR)
Wall Street analysts rate KLAR "Hold" based on 24 analysts, with a mean price target of USD 19.25 (range USD 13–38.3), per Nexqual as of October 23, 2026 at 10:08 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 24 |
| Mean Target | USD 19.25 |
| High Target | USD 38.3 |
| Low Target | USD 13 |
| Buy / Hold / Sell | 10 / 14 / 0 |
Earnings (KLAR)
| Next Earnings Date | 2026-11-17 |
|---|---|
| EPS Estimate | USD -0.13 |
| Revenue Estimate | $964.43M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.03 vs est -0.02 ▲ beat |
| 2026-03-31 | USD -0 vs est -0.14 ▲ beat |
| 2025-12-31 | USD -0.02 vs est -0.02 ▲ beat |
| 2025-09-30 | USD -0.07 vs est -0.26 ▲ beat |
Source: Nexqual, October 23, 2026 at 10:08 UTC.
Financials & Fundamentals (KLAR)
| Total Revenue | $4.04B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +26.60% |
| Gross Margin | +36.84% |
| Operating Margin | +2.97% |
| Profit Margin | -3.52% |
| ROE | -4.29% |
| Debt / Equity | 0.66 |
| Current Ratio | 23.15 |
| Total Cash | $4.81B |
| Total Debt | $1.75B |
Source: Nexqual, October 23, 2026 at 10:08 UTC.
Financial Health Score (KLAR)
Nexqual rates Klarna Group plc's overall financial health "Mixed" across five dimensions, as of October 23, 2026 at 10:08 UTC.
| Growth | Strong — Revenue +32% YoY (annual) |
|---|---|
| Profitability | Critical — Net margin -8% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Finance Services) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Finance Services) |
| Efficiency | Critical — ROE -4%, ROA -0.1% |
Ownership (KLAR)
| Insider Ownership | +21.85% |
|---|---|
| Institutional Ownership | +52.52% |
| Shares Outstanding | 379.16M |
| Float | 196.27M |
Source: Nexqual, October 23, 2026 at 10:08 UTC.
Leadership (KLAR)
Klarna Group plc is led by Sebastian Marcin Siemiatkowski, Co-Founder, CEO & Director, per Nexqual as of October 23, 2026 at 10:08 UTC.
| Co-Founder, CEO & Director | Sebastian Marcin Siemiatkowski |
|---|---|
| CFO & Director | Niclas Peter Neglen |
| President & Chief Commercial Officer | David Sykes |
| Chief Technology Officer | Yaron Shaer |
| Chief Marketing Officer | David Sandstrom |
Major Backers & Investors (KLAR)
Notable institutional backers of Klarna Group plc include Sc Us (ttgp), Ltd., Commonwealth Bank of Australia, Softbank Group Corporation, according to Nexqual as of October 23, 2026 at 10:08 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Sc Us (ttgp), Ltd. | 14.58% |
| Commonwealth Bank of Australia | 4.61% |
| Softbank Group Corporation | 4.08% |
| Silver Lake Group, LLC | 3.83% |
| SCGE Management, LP | 1.4% |
| Harbourvest Partners, LLC | 1.33% |
| Marshall Wace LLP | 1.32% |
| Pictet Asset Management Holding SA | 1.31% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 1.51% |
Source: Nexqual, October 23, 2026 at 10:08 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| SEZL | Sezzle Inc. | USD 139.3 | ▲ 2.26% |
| NNI | Nelnet, Inc. | USD 125.85 | ▲ 0.26% |
| ENVA | Enova International, Inc. | USD 176.78 | ▼ 1.82% |
| CACC | Credit Acceptance Corporation | USD 558.9 | ▲ 3.26% |
| SLM | SLM Corporation | USD 21.76 | ▼ 4.69% |
| BFH | Bread Financial Holdings, Inc. | USD 102.45 | ▼ 5.69% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 10:08 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt