Jun 2026 (Q2 FY26) — Aug 18, 2026
Klarna Q2 FY26 — Strong Transaction Margin Growth and U.S. Expansion
Read the full callKlarna (KLAR) earnings
- Jun 2026 (Q2 FY26)
- Dec 2025
Klarna earnings: last reported Tue, 18 Aug 2026, for the quarter ended Jun 2026.
Price
$13.08 +0.46% · +$0.06
Performance −62.9% 1Y
1Y: $35.28 on 17 Oct 2025 → $13.08. High $39.73 (27 Oct 2025), low $12.27 (27 Mar 2026).
- Previous close
- $13.02
- 52-week range
- $12.27 – $39.73
- One year
- −64.72%
Overview
- Symbol
- KLAR
- Sector
- Financials
- Industry
- Finance Services
- Exchange
- US
- Currency
- USD
Call summaries
Mar 2026 (Q1 FY26) — May 14, 2026
Klarna Q1 FY26 — Strong Growth and Profitability Turnaround
Read the full callEvery analysed call
Klarna earnings calls (KLAR)
Financials
What the filings say
| Line item | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Total liabilities | — | 11,547 | 16,113 |
| Total assets | — | 13,804 | 18,797 |
| Line item | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Cash from operations | 808 | 587 | -1,032 |
| Cash from investing | -83 | 154 | -30 |
| Cash from financing | -62 | 312 | 988 |
| Capital expenditure | -1 | -1 | -3 |
| Free cash flow | 807 | 586 | -1,035 |
KLAR operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Change vs prior quarter |
|---|---|---|---|
| Active accounts Klarna card | 5M+Third, the Klarna card crossed 5 million active users globally this quarter.Source: earnings call transcript | 6.5MThe Klarna card reached 6.5 million active users across 16 countries, up from 1.3 million a year ago.Source: earnings call transcript | — |
| Payments volume | $33.7BGMV came in at $33.7 billion, revenue at just over $1 billion and transaction margin dollars at $389 million, all accelerated quarter-on-quarter.Source: earnings call transcript | $36.6BTotal GMV in the second quarter was $36.6 billion, up 18% year-over-year.Source: earnings call transcript | +8.6% |
| Payments volume US | $7.1BBy geography, the US grew 39% to $7.1 billion, representing 21% of the total GMV.Source: earnings call transcript | $7.9BThe US delivered GMV of $7.9 billion, up 27% year-on-year and was our fastest-growing large region.Source: earnings call transcript | +11.3% |
| Payments volume Global ex US | $26.6BOur global ex US business grew 31% to $26.6 billion.Source: earnings call transcript | $28.8BGlobal ex US GMV was $28.8 billion, up 15% or 12% on a like-for-like basis.Source: earnings call transcript | +8.3% |
| Payments volume Fair Financing | $4.1BFair Financing, our point-of-sale installment product is scaling rapidly at $4.1 billion, up 138% year-over-year as more merchants adopt it.Source: earnings call transcript | $4.7BThese are fixed term installments, and it's our fastest-growing product, up 82% year-over-year to $4.7 billion, offered by 256,000 merchants now, up from 151,000 when we first spoke to you in November.Source: earnings call transcript | +14.6% |
| Active accounts Fair Financing merchants | 225K225,000 merchants now offer Fair Financing, up from 103,000 a year ago.Source: earnings call transcript | 256KThese are fixed term installments, and it's our fastest-growing product, up 82% year-over-year to $4.7 billion, offered by 256,000 merchants now, up from 151,000 when we first spoke to you in November.Source: earnings call transcript | +13.8% |
| Payments volume Pay in Full | $3.5BPay in Full, our everyday spending product contributed to $3.5 billion.Source: earnings call transcript | $3.6BPay in full contributed $3.6 billion of volume this quarter and subscriptions reached 2 million subscribers.Source: earnings call transcript | +2.9% |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
26 filings between Mar 31, 2026 and Sep 15, 2026.
Open market
decisions to buy or sellPurchases
$9.95M
1 purchase by 1 insider
Sales
None
No insider sold shares.
Compensation
not trading decisions- 11
- Award — granted as compensation
- 14
- Option exercise — converted options into shares
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Siemiatkowski Sebastian | $9.95M | — | Aug 26, 2026 |
Latest filings (26)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 15, 2026 | MORITZ MICHAEL J Director | Option exercise | 8,216 | — |
| Aug 26, 2026 | Siemiatkowski Sebastian Chief Executive Officer | Purchase | 692,506 | $9.95M |
| Jun 30, 2026 | Neglen Niclas Chief Financial Officer | Award | 15,944 | — |
| Jun 30, 2026 | Greenway Anthony Chief Accounting Officer | Award | 1,076 | — |
| Jun 30, 2026 | Sandstrom David Chief Marketing Officer | Award | 13,655 | — |
| Jun 30, 2026 | Sykes David Chief Commercial Officer | Award | 17,943 | — |
| Jun 30, 2026 | Shaer Yaron Chief Technology Officer | Award | 13,655 | — |
| May 6, 2026 | Neglen Niclas Chief Financial Officer | Option exercise | 127 | — |
| May 6, 2026 | Sykes David Chief Commercial Officer | Option exercise | 238 | — |
| May 6, 2026 | Greenway Anthony Chief Accounting Officer | Option exercise | 526 | — |
| May 6, 2026 | Giesecke Camilla Chief Operating Officer | Option exercise | 41 | — |
| May 6, 2026 | Shaer Yaron Chief Technology Officer | Option exercise | 48 | — |
| May 6, 2026 | Sandstrom David Chief Marketing Officer | Option exercise | 61 | — |
| May 6, 2026 | Fock David Chief Product & Design Officer | Option exercise | 69 | — |
| Apr 13, 2026 | Shaer Yaron Chief Technology Officer | Option exercise | 92 | — |
| Apr 13, 2026 | Fock David Chief Product & Design Officer | Option exercise | 70 | — |
| Apr 13, 2026 | Giesecke Camilla Chief Operating Officer | Option exercise | 89 | — |
| Apr 13, 2026 | Sandstrom David Chief Marketing Officer | Option exercise | 61 | — |
| Apr 13, 2026 | Sykes David Chief Commercial Officer | Option exercise | 251 | — |
| Apr 13, 2026 | Greenway Anthony Chief Accounting Officer | Option exercise | 533 | — |
| Apr 13, 2026 | Neglen Niclas Chief Financial Officer | Award | 129 | — |
| Apr 2, 2026 | Sandstrom David Chief Marketing Officer | Award | 21,289 | — |
| Apr 2, 2026 | Sykes David Chief Commercial Officer | Award | 27,504 | — |
| Apr 2, 2026 | Shaer Yaron Chief Technology Officer | Award | 21,289 | — |
| Apr 2, 2026 | Neglen Niclas Chief Financial Officer | Award | 24,858 | — |
| Mar 31, 2026 | Greenway Anthony Chief Accounting Officer | Award | 1,654 | — |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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