Stock Ratings / Financials / KLAR / financials

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Klarna Group plc (KLAR) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$13.65 +3.72% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Klarna Group plc (KLAR) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $9.63B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-1.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for KLAR)Realized 20D OHLCV Swing Band: ±8%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • Trailing 12 Months

How KLAR Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$212.9M (5.3% FCF Margin)

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring KLAR)

✓Walkthrough of KLAR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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KLAR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -8.27%▼ DESCENDING CHANNEL

2026-11-01O $13.16H $13.65L $13.16C $13.65VOL 9.02M

RES: $19.04SUP: $10.87SMA50: $13.51SMA200: $16.28

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

KLAR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 KLAR Butterfly Map → + Track KLAR →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

25.3%/yr Implied 5Y Growth

vs. -1.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on KLAR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for KLAR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for KLAR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (KLAR)

Financials Rank #223 of 287 ⚔️ IREN vs KLAR Full Matrix →

1. Head-to-Head Financials Peer Comparison (KLAR vs. IREN, CHYM, HUT, BMNR)

Industry: Finance: Consumer Services (33 Tracked Issuers)

Across 287 tracked Financials securities in the Roarable RQD universe, Klarna Group plc (KLAR) ranks #223 by composite RQD confidence (54/100, grade D+) and #186 by equity capitalization ($9.63B). Within this direct 5-issuer industry benchmark cohort, KLAR leads on earnings valuation at 32.8x trailing P/E, while KLAR leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. KLAR currently leads its immediate peer cohort in composite quantitative strength at 54/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
KLAR ACTIVE Klarna Group plc	D+	54/100	32.8x	—	9.9%	+3.72%	$9.63B	Benchmark Subject
IREN IREN Limited	E	34/100	122.1x	—	1.2%	-8.98%	$10.62B	/iren-vs-klar →
CHYM Chime Financial Inc.	D-	42/100	—	—	-35.0%	+0.24%	$10.93B	/chym-vs-klar →
HUT Hut 8 Corp.	E	29/100	—	—	-13.9%	-4.35%	$8.19B	/hut-vs-klar →
BMNR BitMine Immersion Technologies Inc.	D	45/100	37.5x	—	3.4%	-1.77%	$13.07B	/bmnr-vs-klar →

2. KLAR Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Klarna Group plc (KLAR) operates in Finance: Consumer Services (Financials) with an equity capitalization of $9.63B, trailing P/E of 32.8x, forward P/E of 30.5x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 7/9.

3. KLAR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is KLAR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Klarna Group plc (NYSE: KLAR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $13.65 (+3.72% 1D, market cap $9.63B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 12/20. Across 287 tracked Financials issuers, KLAR ranks #223 in composite RQD confidence.

How does KLAR compare to IREN and CHYM in the Financials sector?

Within the Financials sector (Finance: Consumer Services), KLAR carries a Roarable D+ (54/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, IREN (IREN Limited) holds a E grade (34/100 RQD, P/E 122.1x, ROIC 1.2%, cap $10.62B) and CHYM (Chime Financial Inc.) posts a D- grade (42/100 RQD, P/E N/A, ROIC -35.0%, cap $10.93B). Among the 5-stock peer group, KLAR leads on earnings multiple (32.8x) while KLAR leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for KLAR?

For Klarna Group plc (KLAR), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #223 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is KLAR trading relative to its 50-day, 200-day, and 52-week technical levels?

KLAR last traded at $13.65 (+3.72% on volume of 9,020,452 shares), positioning the stock +1.04% above its 50-day simple moving average ($13.51) and -16.15% below its 200-day simple moving average ($16.28). Across its 52-week range of $12.06 to $38.19, KLAR sits at the 6.1% percentile with a 14-day RSI of 54.0 (NEUTRAL RANGE) and an implied next-earnings move of ±8.0% ($12.56 to $14.74).

KLAR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Klarna Group plc (KLAR)?

In Trailing 12 Months, KLAR converted $4.0B of revenue into a 52% gross margin, 13.9% operating margin, and $212.9M in free cash flow (5.3% FCF margin).

Direct Sub-Reports: KLAR RQD Cockpit KLAR 12M Forecast KLAR Earnings & Move KLAR Dividends & DRIP KLAR Insiders & 13F KLAR Whale Options KLAR Profit Sankey KLAR News & Why