Klarna Group plc (KLAR) - Net Assets
Based on the latest financial reports, Klarna Group plc (KLAR) has net assets worth $2.63 Billion USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($17.99 Billion) and total liabilities ($15.35 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check how strategically is Klarna Group plc's equity deployed to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $2.63 Billion |
| % of Total Assets | 14.64% |
| Annual Growth Rate | 27.27% |
| 5-Year Change | -0.98% |
| 10-Year Change | N/A |
| Growth Volatility | 36.12 |
Klarna Group plc - Net Assets Trend (2016–2025)
This chart illustrates how Klarna Group plc's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see how much is Klarna Group plc worth.
Annual Net Assets for Klarna Group plc (2016–2025)
The table below shows the annual net assets of Klarna Group plc from 2016 to 2025. Also explore Klarna Group plc (KLAR) net asset momentum to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $2.68 Billion | +18.92% |
| 2024-12-31 | $2.26 Billion | +2.73% |
| 2023-12-31 | $2.20 Billion | -5.35% |
| 2022-12-31 | $2.32 Billion | -14.37% |
| 2021-12-31 | $2.71 Billion | +55.56% |
| 2020-12-31 | $1.74 Billion | +69.01% |
| 2019-12-31 | $1.03 Billion | +88.64% |
| 2018-12-31 | $546.54 Million | +5.70% |
| 2017-12-31 | $517.06 Million | +68.68% |
| 2016-12-31 | $306.53 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Klarna Group plc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3514.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $2.17 Billion | 86.56% |
| Other Comprehensive Income | $-90.00 Million | -3.59% |
| Other Components | $427.00 Million | 17.03% |
| Total Equity | $2.51 Billion | 100.00% |
Klarna Group plc Competitors by Market Cap
The table below lists competitors of Klarna Group plc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Cngr Advanced Material Co Ltd
SHE:300919
|
$5.22 Billion |
|
Bank Ozk
NASDAQ:OZK
|
$5.22 Billion |
|
PT Pantai Indah Kapuk Dua Tbk
JK:PANI
|
$5.23 Billion |
|
Main Street Capital Corporation
NYSE:MAIN
|
$5.23 Billion |
|
Ryan Specialty Group Holdings Inc
NYSE:RYAN
|
$5.21 Billion |
|
AAC Technologies Holdings Inc
F:A2XN
|
$5.21 Billion |
|
Zhejiang Huazheng New Material
SHG:603186
|
$5.20 Billion |
|
Hindustan Copper Limited
NSE:HINDCOPPER
|
$5.20 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Klarna Group plc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,086,000,000 to 2,507,000,000, a change of 421,000,000 (20.2%).
- Net loss of 294,000,000 reduced equity.
- New share issuances of 191,000,000 increased equity.
- Other comprehensive income increased equity by 389,000,000.
- Other factors increased equity by 135,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-294.00 Million | -11.73% |
| Share Issuances | $191.00 Million | +7.62% |
| Other Comprehensive Income | $389.00 Million | +15.52% |
| Other Changes | $135.00 Million | +5.38% |
| Total Change | $- | 20.18% |
Book Value vs Market Value Analysis
This analysis compares Klarna Group plc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.05x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-12-31 | $6.90 | $13.80 | x |
| 2023-12-31 | $6.05 | $13.80 | x |
| 2024-12-31 | $5.72 | $13.80 | x |
| 2025-12-31 | $6.74 | $13.80 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Klarna Group plc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -11.73%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -8.38%
- • Asset Turnover: 0.19x
- • Equity Multiplier: 7.50x
- Recent ROE (-11.73%) is below the historical average (-10.00%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 4.06% | 3.19% | 0.29x | 4.33x | $-18.22 Million |
| 2017 | 8.12% | 7.67% | 0.24x | 4.49x | $-9.70 Million |
| 2018 | 2.15% | 1.72% | 0.21x | 5.90x | $-42.35 Million |
| 2019 | -9.02% | -10.88% | 0.20x | 4.16x | $-194.86 Million |
| 2020 | -8.88% | -11.55% | 0.18x | 4.33x | $-327.40 Million |
| 2021 | -28.70% | -47.91% | 0.14x | 4.37x | $-1.05 Billion |
| 2022 | -44.84% | -54.98% | 0.16x | 5.19x | $-1.27 Billion |
| 2023 | -11.36% | -11.31% | 0.16x | 6.27x | $-468.20 Million |
| 2024 | 0.14% | 0.11% | 0.19x | 6.62x | $-205.60 Million |
| 2025 | -11.73% | -8.38% | 0.19x | 7.50x | $-544.70 Million |
Industry Comparison
This section compares Klarna Group plc's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,806,858,465
- Average return on equity (ROE) among peers: -9.54%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Klarna Group plc (KLAR) | $2.63 Billion | 4.06% | 5.83x | $5.22 Billion |
| Affirm Holdings Inc (AFRM) | $2.53 Billion | -38.88% | 2.22x | $21.14 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $1.49 Billion | 13.91% | 20.04x | $2.06 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $47.20 Million | 1.69% | 11.77x | $154.62 Million |
| Ally Financial Inc (ALLY) | $12.86 Billion | 13.33% | 13.92x | $12.34 Billion |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $79.49 Million |
| Atlanticus Holdings Corporation (ATLC) | $61.82 Million | -157.73% | 13.25x | $1.41 Billion |
| American Express Company (AXP) | $16.02 Billion | 21.50% | 11.12x | $212.59 Billion |
| Bread Financial Holdings, Inc. (BFH) | $3.05 Billion | 9.08% | 6.50x | $4.12 Billion |
| Credit Acceptance Corporation (CACC) | $288.44 Million | 8.55% | 1.99x | $6.04 Billion |
| Capital One Financial Corporation (COF) | $1.52 Billion | 23.96% | 7.80x | $124.19 Billion |
About Klarna Group plc
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 amo… Read more