Klarna Group plc (KLAR)

Klarna Group plc is a financial technology company best known for its buy now, pay later services, which let shoppers split purchases into installments or pay later, often without interest. Its offerings are available at online and in-store checkouts of a large network of merchants, as well as through the Klarna app.

Beyond deferred payments, Klarna operates a shopping app with product search, price comparison and deals, provides payment processing and checkout solutions for retailers, and offers banking-style products such as a card and balance accounts in certain markets. The company earns revenue mainly from merchant fees, along with consumer fees, interest income and advertising.

Klarna was founded in Stockholm, Sweden, in 2005, where it has its main operations, and its UK-incorporated parent company listed its ordinary shares on the New York Stock Exchange in 2025.