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Klarna Group plc (KLAR) Stock Analysis

HoldModerate Confidence

Technology · Software - Infrastructure

Klarna Group plc operates as a digital bank and flexible payments provider in the United Kingdom, the United States, Germany, Sweden, and internationally. The company provides payment solutions, such as pay in full solution that settles purchases at time of the transaction; pay... Read more

$13.06+52.8% upside
Score 6.8/10Target $19.80Reward/Risk 8.1:1

TrendMatrix rates Klarna Group plc (KLAR) as Hold with moderate confidence. The stock trades at $13.06 with +52.8% upside to the $19.80 price target. Overall score: 6.8/10 across 10 analysis dimensions. Reward/risk ratio: 8.1:1.

Passes 3/4 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags). Fails on weak momentum. Suitability: moderate.

Val9.3Qual4.2Grw10.0Mom4.6Sent9.2Ins5.0Peer4.8Tech5.4Risk5.26.8OVERALL

Investment Thesis

+ Attractive valuation
+ Strong growth profile
+ Analyst upside: 53%
- V7 low-quality RISK_OFF penalty: -0.5 (Q=4.2)

Fundamentals

P/E (TTM)
P/E (Fwd)13.7
Mkt Cap$5.2B
EV/EBITDA2.9
Profit Mgn-8.4%
ROE-11.1%
Rev Growth38.4%
Beta
DividendNone
Analysts23
Frequently Asked Questions
Is KLAR stock a buy right now?

TrendMatrix rates Klarna Group plc (KLAR) as Hold with moderate confidence. Score 6.8/10.

What is the KLAR stock price target?

Take-profit target: $19.80 (+52.8% upside). Reward/risk ratio: 8.1:1. Stop-loss: $12.12.

What are the risks of investing in KLAR?

V7 low-quality RISK_OFF penalty: -0.5 (Q=4.2).

Is KLAR overvalued or undervalued?

Klarna Group plc trades at a P/E of N/A (forward 13.7). TrendMatrix value score: 9.3/10. Verdict: Hold.

What do analysts say about KLAR?

23 analysts cover KLAR with a consensus score of 4.0/5. Average price target: $23.

What does Klarna Group plc do?Klarna Group plc operates as a digital bank and flexible payments provider in the United Kingdom, the United States,...

Klarna Group plc operates as a digital bank and flexible payments provider in the United Kingdom, the United States, Germany, Sweden, and internationally. The company provides payment solutions, such as pay in full solution that settles purchases at time of the transaction; pay later solution that enables customers to purchase goods and services at the time of the transaction and pay the full amount at a later date; and fair financing that allows consumers to pay for their purchase over a long duration ranges from three to 48 months. It also offers advertising solutions that include sponsored search, affiliate programs, and brand advertisement; digital retail banking solutions, such as deposit and saving account, financial insights, and Klarna balance that allow consumer to hold monetary balance with Klarna balance solutions; and payment channels, including Klarna payment, Klarna app, Klarna card, and Klarna in-store. Additionally, the company provides membership programs, product search and price comparison, cashback offers and merchant deals, loyalty cards, wish lists, delivery tracking and returns, AI-enabled support, Klarna memberships, Klarna merchant portal, and on-site messaging solutions. The company was formerly known as Klarna UK II plc and changed its name to Klarna Group plc in December 2023. Klarna Group plc was founded in 2005 and is based in London, United Kingdom.

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47 NEUTRAL
<20d<50d<200dSupp $12.50Res $16.77

Price Targets

$12
$20
Upside+52.8%
Reward/Risk8.1:1

Position Sizing

ConvictionNONE
Suggested %0.5%
Max %1%
RegimeRISK_OFF

Risk Alerts

! MOMENTUM:4.6<5.0
Suitability: Moderate
Risk/Reward 10.6>=2.0
Insider activity: OK
No SEC red flags
Momentum 4.6<5.0