Klarna Group plc (KLAR) - Net Assets
Based on the latest financial reports, Klarna Group plc (KLAR) has net assets worth $2.62 Billion USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($20.78 Billion) and total liabilities ($18.16 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 Klarna Group plc tangible equity quality to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $2.62 Billion |
| % of Total Assets | 12.61% |
| Annual Growth Rate | 28.35% |
| 5-Year Change | 29.53% |
| 10-Year Change | N/A |
| Growth Volatility | 37.99 |
Klarna Group plc - Net Assets Trend (2016–2024)
This chart illustrates how Klarna Group plc's net assets have evolved over time, based on quarterly financial data. See Klarna Group plc defensive liquidity buffer to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Klarna Group plc (2016–2024)
The table below shows the annual net assets of Klarna Group plc from 2016 to 2024. For live valuation and market cap data, see KLAR stock market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 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 decreased by 3565.8% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Other Comprehensive Income | $-479.00 Million | -22.96% |
| Other Components | $4.65 Billion | 222.72% |
| Total Equity | $2.09 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 |
|---|---|
|
Grupo Financiero Galicia S.A
F:GF4
|
$6.72 Billion |
|
SM Energy Co
NYSE:SM
|
$6.73 Billion |
|
Eagle Materials Inc
NYSE:EXP
|
$6.73 Billion |
|
Jiangsu Expressway Co Ltd
SHG:600377
|
$6.73 Billion |
|
Maxis Bhd
KLSE:6012
|
$6.71 Billion |
|
Yanzhou Coal Mining Company Limited
F:YZCA
|
$6.70 Billion |
|
Oberoi Realty Limited
NSE:OBEROIRLTY
|
$6.70 Billion |
|
Longfor Group Holdings Limited
F:RLF
|
$6.70 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 2023 to 2024, total equity changed from 2,192,000,000 to 2,086,000,000, a change of -106,000,000 (-4.8%).
- Net income of 3,000,000 contributed positively to equity growth.
- Other comprehensive income decreased equity by 168,000,000.
- Other factors increased equity by 59,000,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $3.00 Million | +0.14% |
| Other Comprehensive Income | $-168.00 Million | -8.05% |
| Other Changes | $59.00 Million | +2.83% |
| Total Change | $- | -4.84% |
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: 3.11x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has increased from 2.58x to 3.11x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-12-31 | $6.90 | $17.78 | x |
| 2023-12-31 | $6.05 | $17.78 | x |
| 2024-12-31 | $5.72 | $17.78 | 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): 0.14%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.11%
- • Asset Turnover: 0.19x
- • Equity Multiplier: 6.62x
- Recent ROE (0.14%) is above the historical average (-9.81%), indicating improving 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 |
Industry Comparison
This section compares Klarna Group plc's net assets metrics with peer companies in the Software - Infrastructure industry.
Industry Context
- Industry: Software - Infrastructure
- Average net assets among peers: $206,995,087
- Average return on equity (ROE) among peers: -103.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Klarna Group plc (KLAR) | $2.62 Billion | 4.06% | 6.93x | $6.72 Billion |
| ACI Worldwide Inc (ACIW) | $255.62 Million | 10.64% | 1.35x | $4.63 Billion |
| Aeva Technologies, Inc. Common Stock (AEVA) | $30.16 Million | -37.03% | 0.03x | $855.27 Million |
| Aeva Technologies, Inc. Common Stock (AEVA) | $329.93 Million | -43.24% | 0.08x | $906.22 Million |
| Allied Gaming & Entertainment Inc. (AGAE) | $98.65 Million | 63.73% | 0.07x | $22.76 Million |
| Axe Compute Inc. (AGPU) | $2.64 Million | -979.47% | 3.94x | $31.41 Million |
| C3 Ai Inc (AI) | $989.48 Million | -19.41% | 0.18x | $1.50 Billion |
| All In FutureTech Alliance Inc. (AIFA) | $77.53 Million | -21.61% | 0.46x | $13.92 Million |
| AI Financial Corporation (AIFC) | $-3.31 Million | 0.00% | 0.00x | $94.73 Million |
| iLearningEngines, Inc. (AILE) | $277.84 Million | 4.13% | 0.05x | $59.29 Million |
| PowerFleet, Inc. (AIOT) | $11.41 Million | -12.13% | 0.13x | $457.44 Million |
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 and marketing solutions to consumers and merchants. It also offers Klarna App, card, bank accounts, open banking, and marketing services. The company was formerly known as Klarna UK II plc and changed its name to Kl… Read more