Klarna Group plc (KLAR) Financial Ratios
10 years of historical data (2016–2025) · Technology · Software - Infrastructure
EV/EBITDA
N/A
—
5yr avg: N/A
P/FCF
N/A
—
5yr avg: N/A
P/B Ratio
2.61
↓-35% vs avg
5yr avg: 4.01
30Y Low4.0·High4.0
ROE
↑
-11.9%
↓+40% vs avg
5yr avg: -19.8%
30Y Low-41%·High10%
Debt/EBITDA
N/A
—
5yr avg: 11.63
30Y Low4.7·High17.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
KLAR Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Klarna Group plc currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $7.1B | $10.8B | — | — | — | — | — | — | — | — | — |
| Enterprise Value | $4.7B | $8.3B | — | — | — | — | — | — | — | — | — |
| P/E Ratio → | -23.85 | — | — | — | — | — | — | — | — | — | — |
| P/S Ratio | 2.03 | 3.07 | — | — | — | — | — | — | — | — | — |
| P/B Ratio | 2.61 | 4.01 | — | — | — | — | — | — | — | — | — |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — |
| P/OCF | — | — | — | — | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
KLAR EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.37 | — | — | — | — | — | — | — | — | — |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — | — | — | — | — |
KLAR Profitability
Margins and return-on-capital ratios measuring operating efficiency
Klarna Group plc earns an operating margin of -6.5%. Operating margins have expanded from -14.7% to -6.5% over the past 3 years, signaling improving operational efficiency. A negative ROE of -11.9% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 35.3% | 35.3% | 77.7% | 75.4% | 72.5% | 63.2% | 71.7% | 70.4% | 82.7% | 84.3% | 83.8% |
| Operating Margin | -6.5% | -6.5% | -4.5% | -14.7% | -51.9% | -45.0% | -14.0% | -13.1% | 2.6% | 11.6% | 4.7% |
| Net Profit Margin | -8.4% | -8.4% | 0.1% | -11.3% | -55.0% | -47.9% | -11.5% | -10.9% | 1.7% | 7.7% | 3.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -11.9% | -11.9% | 0.1% | -11.0% | -41.3% | -34.8% | -11.1% | -11.7% | 2.2% | 10.2% | 4.1% |
| ROA | -1.8% | -1.8% | 0.0% | -1.9% | -8.7% | -8.0% | -2.6% | -2.5% | 0.4% | 2.3% | 0.9% |
| ROIC | -760.0% | -760.0% | -218.7% | -28.6% | -40.1% | -25.2% | -6.4% | -5.1% | 1.5% | 7.5% | 3.3% |
| ROCE | -6.3% | -6.3% | -3.0% | -7.3% | -17.1% | -14.7% | -6.2% | -5.5% | 1.2% | 6.0% | 2.4% |
KLAR Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $3.8B exceeds total debt of $1.4B, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.51 | 0.51 | 0.35 | 0.21 | 0.27 | 0.47 | 0.56 | 1.22 | 0.83 | 0.63 | 0.38 |
| Debt / EBITDA | — | — | 11.63 | — | — | — | — | — | 17.79 | 4.68 | 4.87 |
| Net Debt / Equity | — | -0.91 | -1.09 | -0.87 | -0.39 | -0.17 | 0.21 | 1.21 | 0.83 | 0.63 | 0.38 |
| Net Debt / EBITDA | — | — | -36.06 | — | — | — | — | — | 17.79 | 4.68 | 4.87 |
| Debt / FCF | — | — | -4.52 | -2.65 | -3.92 | — | 1.88 | — | 5.98 | — | 2.57 |
| Interest Coverage | — | — | 0.47 | -0.34 | -5.78 | — | — | — | — | — | — |
Net cash position: cash ($3.8B) exceeds total debt ($1.4B)
KLAR Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.97x is below 1.0, meaning current liabilities exceed current assets — though the company's $3.8B cash position helps mitigate short-term liquidity concerns. The current ratio has declined from 1.13x to 0.97x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.97 | 0.97 | 1.21 | 1.13 | 1.55 | 1.87 | 1.81 | 1.86 | 2.05 | 2.17 | 2.12 |
| Quick Ratio | 0.97 | 0.97 | 1.21 | 1.13 | 1.55 | 1.87 | 1.81 | 1.86 | 2.05 | 2.17 | 2.12 |
| Cash Ratio | 0.24 | 0.24 | 0.39 | 0.24 | 0.38 | 0.50 | 0.33 | 0.14 | 0.24 | 0.23 | 0.19 |
| Asset Turnover | — | 0.19 | 0.19 | 0.16 | 0.16 | 0.14 | 0.18 | 0.20 | 0.21 | 0.24 | 0.29 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | 1229.67 | 1029.58 | 1492.01 | 1410.70 | — | — | — | — | — | — |
KLAR Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Klarna Group plc does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — | — | — | — | — |
| Buyback Yield | 0.0% | 0.0% | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $372M | $364M | $362M | $336M | $0 | $0 | $0 | $0 | $0 | $0 |
Peer Comparison
Compare KLAR with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 KLARYou | $7B | -23.8 | — | — | 35.3% | -6.5% | -11.9% | -760.0% | — |
 AFRM | $25B | 492.8 | 225.8 | 40.9 | 67.5% | -2.7% | 1.8% | -0.7% | 57.0 |
 SEZL | $5B | 43.9 | 31.2 | 26.4 | 85.4% | 39.3% | 103.3% | 52.7% | 0.8 |
 PAYX | $35B | 21.4 | 16.0 | 20.0 | 72.4% | 39.6% | 41.8% | 30.9% | 2.1 |
 FOUR | $3B | 36.5 | 8.1 | 5.5 | 34.2% | 8.4% | 8.0% | 6.3% | 5.9 |
 PYPL | $37B | 7.9 | 5.6 | 6.7 | 46.6% | 18.3% | 25.7% | 15.0% | 1.4 |
 SOFI | $23B | 45.9 | 26.0 | — | 75.1% | 11.0% | 5.7% | 3.6% | 2.4 |
 UPST | $3B | 72.1 | 54.3 | — | 95.2% | 5.1% | 7.5% | 1.7% | 23.4 |
 LC | $2B | 16.7 | 3.3 | — | 64.7% | 25.0% | 9.5% | 17.3% | 0.0 |
 V | $628B | 32.1 | 25.1 | 29.1 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $434B | 29.6 | 21.5 | 25.6 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
| Technology Median | — | 29.0 | 16.7 | 19.2 | 48.8% | 0.2% | 1.6% | 2.7% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 10 years · Updated daily
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KLAR — Frequently Asked Questions
Quick answers to the most common questions about buying KLAR stock.
What is Klarna Group plc's P/E ratio?
Klarna Group plc's current P/E ratio is -23.8x. This places it at the 50th percentile of its historical range.
What is Klarna Group plc's ROE?
Klarna Group plc's return on equity (ROE) is -11.9%. The historical average is -10.5%.
Is KLAR stock overvalued?
Based on historical data, Klarna Group plc is trading at a P/E of -23.8x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Klarna Group plc's profit margins?
Klarna Group plc has 35.3% gross margin and -6.5% operating margin.