
Klarna (KLAR) Stock Forecast & Price Target
Klarna (KLAR) Analyst Ratings
Bulls say
Klarna Group PLC has demonstrated significant operational improvements with net charge-offs showing considerable decline since 2022, attributed to the enhanced maturity of its underwriting models and successful scaling in key markets such as the US and UK. The company has expanded its merchant base by over 201,000, representing a 34% year-over-year increase in the second quarter, which underscores its growing attractiveness to retailers seeking to improve conversion rates and average order values. Additionally, the buy now, pay later market in the United States is projected to grow robustly, with payment value expected to reach $116.7 billion in 2023, marking a 19.2% year-over-year increase and anticipated to continue expanding at a 12% compound annual growth rate through 2028.
Bears say
Klarna Group PLC reported realized losses of 0.45% of Gross Merchandise Value (GMV) in the second quarter of 2025, reflecting a minimal year-over-year decrease of 3 basis points. Additionally, there are concerns regarding the declining GMV per merchant, which has been negatively impacted by partnerships with payment service providers, leading to increased participation from smaller retailers at the expense of larger brands. Furthermore, the shift in cash usage towards digital payments in less developed countries indicates potential headwinds for Klarna's market positioning as competition in the payment sector intensifies.
This aggregate rating is based on analysts' research of Klarna and is not a guaranteed prediction by Public.com or investment advice.
Klarna (KLAR) Analyst Forecast & Price Prediction
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