In the last three months, 6 analysts have published ratings on Klarna (NYSE:KLAR), offering a diverse range of perspectives from bullish to bearish.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 1 | 4 | 1 | 0 | 0 |
| Last 30D | 1 | 3 | 0 | 0 | 0 |
| 1M Ago | 0 | 0 | 1 | 0 | 0 |
| 2M Ago | 0 | 1 | 0 | 0 | 0 |
| 3M Ago | 0 | 0 | 0 | 0 | 0 |
Analysts' evaluations of 12-month price targets offer additional insights, showcasing an average target of $27.67, with a high estimate of $45.00 and a low estimate of $20.00. A negative shift in sentiment is evident as analysts have decreased the average price target by 37.82%.
Interpreting Analyst Ratings: A Closer Look
The perception of Klarna by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Tien-Tsin Huang | JP Morgan | Lowers | Overweight | $20.00 | $40.00 |
| Timothy Chiodo | UBS | Lowers | Buy | $20.00 | $46.00 |
| Jason Kupferberg | Wells Fargo | Lowers | Overweight | $32.00 | $45.00 |
| Sanjay Sakhrani | Keefe, Bruyette & Woods | Lowers | Outperform | $26.00 | $45.00 |
| James Faucette | Morgan Stanley | Lowers | Equal-Weight | $23.00 | $39.00 |
| Sanjay Sakhrani | Keefe, Bruyette & Woods | Lowers | Outperform | $45.00 | $52.00 |
Key Insights:
- Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Klarna. This information offers a snapshot of how analysts perceive the current state of the company.
- Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Klarna compared to the broader market.
- Price Targets: Analysts provide insights into price targets, offering estimates for the future value of Klarna's stock. This comparison reveals trends in analysts' expectations over time.
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Klarna's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.
Stay up to date on Klarna analyst ratings.
Unveiling the Story Behind Klarna
Klarna is the largest pure-play in the buy now, pay later space. The company operates a two-sided network with a payment method at its core, but it is ultimately a lender. Merchants sign up with Klarna to increase turnover in their stores. Primarily, Klarna can provide merchants with higher conversion rates and average order values relative to other payment methods. Some merchants enter a symbiotic relationship with Klarna, advertising its brand on the product page to drive conversion and to benefit from Klarna's brand value in the merchant's sales funnel. Customers use Klarna for its ease of use, quick access to credit, zero-interest financing, and lower reminder fees.
Klarna: A Financial Overview
Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.
Positive Revenue Trend: Examining Klarna's financials over 3M reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 20.67% as of 30 June, 2025, showcasing a substantial increase in top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.
Net Margin: Klarna's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of -6.32%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of -2.31%, the company may need to address challenges in generating satisfactory returns for shareholders.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of -0.3%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: Klarna's debt-to-equity ratio is below the industry average. With a ratio of 0.35, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
What Are Analyst Ratings?
Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
This article was generated by Benzinga's automated content engine and reviewed by an editor.
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