{"id":996365,"date":"2026-08-18T12:51:19","date_gmt":"2026-08-18T16:51:19","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/klarna-reports-second-quarter-2026-results\/"},"modified":"2026-08-18T12:51:19","modified_gmt":"2026-08-18T16:51:19","slug":"klarna-reports-second-quarter-2026-results","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/klarna-reports-second-quarter-2026-results\/","title":{"rendered":"Klarna Reports Second Quarter 2026 Results"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }\n.bwalignr { text-align: right; list-style-position: inside }\n.bwblockalignl { margin-left: 0px; margin-right: auto }\n.bwcellpmargin { margin-bottom: 0px; margin-top: 0px }\n.bwleftsingle { border-left: solid black 1pt }\n.bwlistdisc { list-style-type: disc }\n.bwpadl0 { padding-left: 0px }\n.bwpadl3 { padding-left: 15px }\n.bwpadr0 { padding-right: 0px }\n.bwrightsingle { border-right: solid black 1pt }\n.bwrowaltcolor1 { background-color: #d3d3d3 }\n.bwsinglebottom { border-bottom: solid black 1pt }\n.bwtablemarginb { margin-bottom: 10px }\n.bwtopsingle { border-top: solid black 1pt }\n.bwvertalignb { vertical-align: bottom }\n.bwvertalignt { vertical-align: top }\n.bwwidth100 { width: 100% }\n.bwwidth11 { width: 11% }\n.bwwidth17 { width: 17% }\n.bwwidth18 { width: 18% }\n.bwwidth36 { width: 36% }\n.bwwidth78 { width: 78% }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\">\nKlarna Reports Second Quarter 2026 Results<\/p>\n<p>NEW YORK&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nKlarna Group plc [NYSE: KLAR], the everyday finance network, today reported second quarter 2026 results. GMV reached $36.6 billion (+18% YoY), revenue $1.042 billion (+27% YoY), transaction margin dollars $446 million (+42% YoY), and adjusted operating income $91 million (+214% YoY).<\/p>\n<p id=\"news-body-cta\">This press release features multimedia. View the full release here: <a href=\"https:\/\/www.businesswire.com\/news\/home\/20260817790536\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20260817790536\/en\/<\/a><\/p>\n<p>\n&#8220;Over 120 million consumers now use Klarna, and each is using it for more of their everyday spend \u2014 revenue per active consumer grew 24%. That deepening engagement is why transaction margin dollars grew 42%, well ahead of revenue and volume. We measure our progress in transaction margin dollars.&#8221;<\/p>\n<p><b>Sebastian Siemiatkowski, CEO &amp; Co-Founder, Klarna<\/b><\/p>\n<p>\nKlarna\u2019s full earnings release is available at the Quarterly Results section of its website at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Finvestors.klarna.com%2Ffinancials%2Fquarterly-results%2F&amp;esheet=54590762&amp;newsitemid=20260817790536&amp;lan=en-US&amp;anchor=https%3A%2F%2Finvestors.klarna.com%2Ffinancials%2Fquarterly-results%2F&amp;index=1&amp;md5=6a469b1a4662d21dce44c430a53a061c\">https:\/\/investors.klarna.com\/financials\/quarterly-results\/<\/a><\/p>\n<p><b>Q2 2026 Financial Highlights<\/b><\/p>\n<ul class=\"bwlistdisc\">\n<li>\nGMV: $36.6 billion (+18% YoY; U.S. +27% YoY)<\/p>\n<\/li>\n<li>\nRevenue: $1.042 billion (+27% YoY)<\/p>\n<\/li>\n<li>\nTransaction Margin Dollars: $446 million (+42% YoY)<\/p>\n<\/li>\n<li>\nAdjusted operating income: $91 million (+214% YoY)<\/p>\n<\/li>\n<li>\nOperating income: $27 million versus a loss of $(46) million in Q2 2025<\/p>\n<\/li>\n<li>\nNet income: $9 million versus a net loss of $(53) million in Q2 2025<\/p>\n<\/li>\n<li>\nEarnings per share: $0.01 versus loss per share $(0.14) in Q2 2025<\/p>\n<\/li>\n<li>\nProvisions for credit losses: 0.52% of GMV versus 0.56% of GMV in Q2 2025<\/p>\n<\/li>\n<li>\nActive consumers: 120 million (+8% YoY)<\/p>\n<\/li>\n<li>\nMerchants: 1.2 million+ (+54% YoY)<\/p>\n<\/li>\n<\/ul>\n<p><b>More consumers using Klarna for more everyday spend<\/b><\/p>\n<p>\nMore than 120 million consumers used Klarna\u2019s everyday money network in the past 12 months, up 9 million year over year. Those consumers are using Klarna for a greater share of their everyday spend, driving average revenue per active consumer up 24%. That deepening engagement is increasingly anchored in recurring, high-frequency products: Klarna Memberships reached 2 million paying subscribers, eight times a year ago, with subscription revenue up more than 600%, while the Klarna Card reached 6.5 million active users across 16 countries, up from 1.3 million a year ago. Last week Klarna launched new Membership plans built around what consumers value most, cashback and benefits.<\/p>\n<p><b>Merchant numbers soar as distribution deals bear fruit<\/b><\/p>\n<p>\nMore than 1.2 million merchants are now live, up 54% year over year, as major payment-platform integrations switch on Klarna&#8217;s flexible payments automatically, with no new integration required. Most recently J.P. Morgan Payments, the largest U.S. merchant acquirer, processing $2.6 trillion in payments annually, which went live earlier this month, letting every merchant on its platform, from boutiques to big-box, offer the full Klarna suite of pay-in-full, interest-free installments, and longer-term financing. That distribution pulls more merchants to more products, with those offering Fair Financing up 107% year over year to 256,000. Last month, Klarna and Apple announced the Apple Upgrade program, a new device leasing program available on the Apple Store Online, in the Apple Store app, and at Apple Store locations in the U.S.<\/p>\n<p><b>Transaction economics continue to improve<\/b><\/p>\n<p>\nTransaction margin dollars grew 42% to $446 million and reached 42.8% of revenue, up more than 4.5 percentage points. TMD grew faster than revenue, and revenue faster than GMV. Credit quality remains first class as Klarna scales, with provisions low at 0.52% of GMV and US Fair Financing 30+ day delinquencies down 20 basis points quarter-over-quarter. About 90% of funding sits in low-cost consumer deposits, a durable advantage the company continues to extend and diversify through forward flow agreements. Outside the U.S., transaction margin reached 54% of revenue, with mature markets near 60%, showing the U.S. reaching 23% is still early in its trajectory.<\/p>\n<p><b>Outlook<\/b><\/p>\n<p>\nKlarna is updating its full-year 2026 guidance: stronger TMD on an adjusted volume and revenue base.<\/p>\n<p>\nGMV: $149 billion \u2013 $151 billion, from greater than $155 billion, driven by roughly $600 million in currency translation, and a more measured view of primarily German volumes, our largest market by volume, consistent with reported trend across German retail. U.S. assumptions are unchanged; the U.S. remains Klarna&#8217;s fastest-growing large region.<\/p>\n<p>\nRevenue: $4.08 billion \u2013 $4.16 billion, reflecting the volume adjustment and, from H2, our new U.S. and German Fair Financing originations are expected to be classified and measured at fair value, shifting income from interest over the loan&#8217;s life to an upfront gain, and netting related provisions out of transaction costs. That lowers revenue by approximately 10bps of GMV, offset by a similar cost reduction, a positive timing effect of roughly 2bps on transaction margin. Excluding it, the implied take rate is 2.84%\u20132.85%, up from our May outlook.<\/p>\n<p>\nTransaction margin dollars: raised to $1.62 billion \u2013 $1.65 billion, approximately 1.09% of GMV against greater than 1.04% previously. Excluding the roughly 2 basis point benefit from the fair value presentation change, transaction margin is approximately 1.07% of GMV; more margin on less volume, driven by favourable mix and continued Card growth. TMD is the indicator Klarna optimizes against, shaping how we build products, price and underwrite.<\/p>\n<p>\nAdjusted operating income: $280 million \u2013 $300 million in dollar terms, at 6.9% \u2013 7.2% of revenue, we are guiding in line to modestly above our May outlook, as we reinvest part of the stronger transaction margin into the second half&#8217;s launches. This compares with $65 million for all of 2025, more than four times last year, and $159 million already delivered in the first half of 2026. Q3 is Klarna&#8217;s investment quarter, funding significant PSP launches with marketing landing ahead of the volume it drives: GMV $35 billion \u2013 $36 billion, revenue $940 million \u2013 $980 million, TMD $340 million \u2013 $360 million, adjusted operating income $5 million \u2013 $15 million.<\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwvertalignb bwtopsingle bwleftsingle bwpadl0 bwrowaltcolor1 bwwidth36\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwpadl0 bwrowaltcolor1 bwwidth18\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Full year prior guidance<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwpadl0 bwrowaltcolor1 bwwidth17\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Full year updated (low)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwpadl0 bwrowaltcolor1 bwwidth18\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Full year updated (high)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwrightsingle bwpadl0 bwrowaltcolor1 bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Q3&#8217;26<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwleftsingle bwpadl0 bwwidth36\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>GMV<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>&gt;$155.0bn<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth17 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>$149.0bn<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>$151.0bn<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwrightsingle bwpadl0 bwwidth11 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>$35 bn \u2013 $36bn<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwleftsingle bwpadl0 bwwidth36\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Revenue, % of GMV<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>&gt;2.80%<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwpadr0 bwwidth17 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>2.74%<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwpadr0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>2.75%<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwrightsingle bwpadl0 bwwidth11 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>$940m \u2013 $980m<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwleftsingle bwpadl0 bwwidth36\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b><i>Revenue, % of GMV<br \/>\n<br \/><\/i><\/b><b><i>(excluding move to fair value)<\/i><\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b><i>&gt;2.80%<\/i><\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwpadr0 bwwidth17 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b><i>2.84%<\/i><\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwpadr0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b><i>2.85%<\/i><\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwrightsingle bwpadl0 bwwidth11 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwleftsingle bwpadl0 bwwidth36\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nin $<\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n&gt;$4.34bn<\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth17 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n$4.08bn<\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n$4.16bn<\/p>\n<\/td>\n<td class=\"bwvertalignb bwrightsingle bwpadl0 bwwidth11 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwleftsingle bwpadl0 bwwidth36\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>TMD, % of GMV<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>&gt;1.04%<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwpadr0 bwwidth17 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>1.09%<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwpadr0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>1.09%<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwrightsingle bwpadl0 bwwidth11 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>$340m \u2013 $360m<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwleftsingle bwpadl0 bwwidth36\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nin $<\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n&gt;$1.61bn<\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth17 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n$1.62bn<\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n$1.65bn<\/p>\n<\/td>\n<td class=\"bwvertalignb bwrightsingle bwpadl0 bwwidth11 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwleftsingle bwpadl0 bwwidth36\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>AOI, % of revenue<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>&gt;6.90%<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwpadr0 bwwidth17 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>6.90%<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwpadl0 bwpadr0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>7.20%<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwrightsingle bwpadl0 bwwidth11 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>$5m \u2013 $15m<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth36\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nin $<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n&gt;$299m<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwwidth17 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n$280m<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwwidth18 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n$300m<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadl0 bwwidth11 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p>\nOur guidance and outlook are forward-looking statements (see &#8220;Forward-looking statements&#8221; for important information).<\/p>\n<p><b>NOTES<\/b><\/p>\n<p><b>Non-IFRS Measures and Reconciliations<\/b><\/p>\n<p>\nTransaction margin dollars and adjusted operating income are non-IFRS measures used by our management to measure our ability to attain efficiency and scale. Transaction margin dollars is defined as total revenue less total transaction costs, consisting of processing and servicing, provision for credit losses and funding costs. Please refer to the accompanying earnings release for more information.<\/p>\n<p>\nWe do not attempt to provide reconciliations of forward-looking Transaction margin dollars or adjusted operating income to the comparable IFRS measure because the impact and timing of potential charges or gains excluded from the calculation of our Transaction margin dollars are inherently uncertain and difficult to predict and are unavailable without unreasonable efforts. In addition, we believe such reconciliations would imply a degree of precision and certainty that could be confusing to investors. Such items could have a material impact on our financial performance.<\/p>\n<p><b>Q2 2026 Supplemental Information<\/b><\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td colspan=\"3\" class=\"bwpadl0\" rowspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Reconciliation of Operating income (loss) to Transaction margin dollars (TMD)<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwpadl0 bwrowaltcolor1 bwwidth78\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>Amounts in USD millions<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwrowaltcolor1 bwwidth11 bwvertalignb bwpadr0\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>Q2&#8217;26<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwrowaltcolor1 bwwidth11 bwvertalignb bwpadr0\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>Q2&#8217;25<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwpadl0 bwwidth78\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Operating income (loss)<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>27<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>(46)<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwpadl0 bwwidth78\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nTechnology and product development<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n130<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n120<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwpadl0 bwwidth78\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nSales and marketing costs<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n128<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n93<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwpadl0 bwwidth78\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nCustomer service and operations<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n58<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n51<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwpadl0 bwwidth78\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nGeneral and administrative<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n91<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n65<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwpadl0 bwwidth78\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nDepreciation, amortization (excl. software) and impairments<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n12<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n32<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwpadl0 bwwidth78\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Transaction margin dollars<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>446<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>315<\/b><\/p>\n<\/td>\n<\/tr>\n<\/table>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td colspan=\"3\" class=\"bwpadl0\" rowspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Reconciliation of Adjusted operating income to Operating income (loss)<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwpadl0 bwrowaltcolor1 bwwidth78\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>Amounts in USD millions<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwrowaltcolor1 bwwidth11 bwvertalignb bwpadr0\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>Q2&#8217;26<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwrowaltcolor1 bwwidth11 bwvertalignb bwpadr0\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>Q2&#8217;25<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwpadl0 bwwidth78\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Adjusted operating income<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>91<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>29<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwwidth78 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\n&#8211; Depreciation, amortization and impairments<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n(23)<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n(27)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwwidth78 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\n&#8211; Share based payments<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n(38)<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n(26)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwwidth78 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\n&#8211; Restructuring and other<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n(4)<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n(21)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwpadl0 bwwidth78\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Operating income (loss)<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>27<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwwidth11\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>(46)<\/b><\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p><b>Forward-Looking Statements<\/b><\/p>\n<p>\nThis press release contains forward-looking statements within the meaning of applicable securities laws. These statements include, but are not limited to, statements regarding our future financial performance, business strategy, growth objectives and market opportunities. Words such as &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;will,&#8221; &#8220;may,&#8221; &#8220;could,&#8221; &#8220;estimate,&#8221; and similar expressions identify forward-looking statements. These forward-looking statements are subject to risks, uncertainties, and assumptions that could cause actual results to differ materially from those expressed or implied. Forward-looking statements reflect our views as of the date of this release and are based on information currently available to us. We undertake no obligation to update any forward-looking statements, except as required by law. Actual results may differ materially from those anticipated. Investors should not place undue reliance on these forward-looking statements and should review the risk factors in our filings with the SEC for a more complete discussion of risks.<\/p>\n<p><b>About Klarna<\/b><\/p>\n<p>\nKlarna is a global digital bank and flexible payments provider. With over 120 million global active Klarna users and 3.8 million transactions per day, Klarna\u2019s AI-powered payments and commerce network is empowering people to pay smarter with a mission to be available everywhere for everything. Consumers can pay with Klarna online, in-store and through Apple Pay &amp; Google Pay. Over 1.2 million retailers trust Klarna\u2019s innovative solutions to drive growth and loyalty, including Apple, Uber, H&amp;M, Saks, Sephora, Macy\u2019s, Ikea, Expedia Group, Nike and Airbnb. Klarna is listed on the New York Stock Exchange (NYSE: KLAR). For more information, visit <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fklarna.com&amp;esheet=54590762&amp;newsitemid=20260817790536&amp;lan=en-US&amp;anchor=Klarna.com&amp;index=2&amp;md5=b84aaecda35c3800cb00d81c4cbacc2c\">Klarna.com<\/a>.<\/p>\n<p>\nCategory: Investor News<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260817790536r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20260817790536\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20260817790536\/en\/<\/a><\/span><\/p>\n<p><a rel=\"nofollow\" href=\"mailto:press@klarna.com\">press@klarna.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> New York Europe United States North America<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Banking Personal Finance Technology Professional Services Payments Electronic Commerce Digital Cash Management\/Digital Assets Apps\/Applications Software Fintech Finance<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20260817790536\/en\/2578361\/3\/Wordmark_Transparent_And_Black.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>Klarna Reports Second Quarter 2026 Results NEW YORK&#8211;(BUSINESS WIRE)&#8211; Klarna Group plc [NYSE: KLAR], the everyday finance network, today reported second quarter 2026 results. GMV reached $36.6 billion (+18% YoY), revenue $1.042 billion (+27% YoY), transaction margin dollars $446 million (+42% YoY), and adjusted operating income $91 million (+214% YoY). This press release features multimedia. View the full release here: https:\/\/www.businesswire.com\/news\/home\/20260817790536\/en\/ &#8220;Over 120 million consumers now use Klarna, and each is using it for more of their everyday spend \u2014 revenue per active consumer grew 24%. That deepening engagement is why transaction margin dollars grew 42%, well ahead of revenue and volume. We measure our progress in transaction margin dollars.&#8221; Sebastian Siemiatkowski, CEO &amp; Co-Founder, Klarna Klarna\u2019s full earnings release &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/klarna-reports-second-quarter-2026-results\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Klarna Reports Second Quarter 2026 Results&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-996365","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Klarna Reports Second Quarter 2026 Results - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/klarna-reports-second-quarter-2026-results\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Klarna Reports Second Quarter 2026 Results - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"Klarna Reports Second Quarter 2026 Results NEW YORK&#8211;(BUSINESS WIRE)&#8211; Klarna Group plc [NYSE: KLAR], the everyday finance network, today reported second quarter 2026 results. GMV reached $36.6 billion (+18% YoY), revenue $1.042 billion (+27% YoY), transaction margin dollars $446 million (+42% YoY), and adjusted operating income $91 million (+214% YoY). This press release features multimedia. View the full release here: https:\/\/www.businesswire.com\/news\/home\/20260817790536\/en\/ &#8220;Over 120 million consumers now use Klarna, and each is using it for more of their everyday spend \u2014 revenue per active consumer grew 24%. That deepening engagement is why transaction margin dollars grew 42%, well ahead of revenue and volume. 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GMV reached $36.6 billion (+18% YoY), revenue $1.042 billion (+27% YoY), transaction margin dollars $446 million (+42% YoY), and adjusted operating income $91 million (+214% YoY). This press release features multimedia. View the full release here: https:\/\/www.businesswire.com\/news\/home\/20260817790536\/en\/ &#8220;Over 120 million consumers now use Klarna, and each is using it for more of their everyday spend \u2014 revenue per active consumer grew 24%. That deepening engagement is why transaction margin dollars grew 42%, well ahead of revenue and volume. We measure our progress in transaction margin dollars.&#8221; Sebastian Siemiatkowski, CEO &amp; Co-Founder, Klarna Klarna\u2019s full earnings release &hellip; Continue reading \"Klarna Reports Second Quarter 2026 Results\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/klarna-reports-second-quarter-2026-results\/","og_site_name":"Market Newsdesk","article_published_time":"2026-08-18T16:51:19+00:00","og_image":[{"url":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260817790536r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/klarna-reports-second-quarter-2026-results\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/klarna-reports-second-quarter-2026-results\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"Klarna Reports Second Quarter 2026 Results","datePublished":"2026-08-18T16:51:19+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/klarna-reports-second-quarter-2026-results\/"},"wordCount":1455,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/klarna-reports-second-quarter-2026-results\/#primaryimage"},"thumbnailUrl":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260817790536r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/klarna-reports-second-quarter-2026-results\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/klarna-reports-second-quarter-2026-results\/","name":"Klarna Reports Second Quarter 2026 Results - 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