Added to YB: 2026-03-18
Pitch date: 2026-03-15
KLAR [bullish]
Klarna Group plc
-7.15%
current return
Author Info
No bio for this author
Company Info
Klarna Group plc operates as a digital bank and flexible payments provider in the United Kingdom, the United States, Germany, Sweden, and internationally.
Market Cap
$6.0B
Pitch Price
$15.94
Price Target
27.60 (+86%)
Dividend
N/A
EV/EBITDA
4.97
P/E
-20.06
EV/Sales
0.70
Sector
Financial Services
Category
value
Klarna ($KLAR) – Europe’s Most Undervalued Fintech?
KLAR: BNPL leader turned digital bank at $6B mkt cap (down 73% from IPO, 87% off $46B 2021 peak). FY25: $3.5B rev (+25% YoY), Q4 $1.08B (+38%). 118M users (+28%), 966K merchants (+42%). AI cut headcount 49% while doubling rev; $1.24M rev/employee. $3.73B net cash ($9.88/share vs $15.70 price). Fair Financing upfront provisioning masks economics (2x avg margin). 2028 PT $27.60 (23x PE on $1.20 EPS) = 76% upside, ~20% IRR. Risks: consumer credit, competition, regulation.
Read full article (8 min)