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Klarna Inc (formerly Klarna Group plc) is a Swedish fintech founded in 2005 and headquartered at Sveavägen 46, Stockholm, Sweden 111 34 . It offers buy-now-pay-later (BNPL), debit card, interest-bearing loans, and digital banking to 111 million active consumers and 790,000 merchants across 26 countries . In Q2 2025, revenue rose ~20% year-on-year to $823 million, with adjusted operating income of $29 million—marking its fifth consecutive quarter of operational profitability . However, its net loss widened to $52–53 million, due in part to a $24M restructuring charge and higher credit provisions, even as credit losses remained low (~0.45% of GMV) and BNPL delinquency dropped to 0.89% . The firm is preparing for a U.S. IPO with a target valuation of ~$14 billion and plans to list on the NYSE under KLAR in late 2025 .
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