Klarna Group (KLAR) Achieves First Billion-Dollar Revenue Quarter With 38% Q4 2025 Growth

Klarna Group (NYSE:KLAR) is one of the best new tech stocks to invest in now. On February 18, Klarna achieved its first billion-dollar revenue quarter, totaling $1.082 billion in Q4 2025, which was a 38% increase year-over-year. This was fueled by a record GMV of $38.7 billion and a 101% surge in banking consumers, now totaling 15.8 million. These engaged users generate over 3x the revenue of average consumers, reflecting Klarna’s strategic evolution from a payments provider into a global digital bank.

The US market served as the primary growth engine, with revenue accelerating 58% year-over-year as Klarna reached 29 million domestic consumers. Market share gains were particularly notable in the Fair Financing segment, which grew 165% as users shifted away from traditional revolving credit. Additionally, the Klarna Card saw significant adoption, ending the quarter with 4.2 million active users, nearly double the count from the previous quarter.

Klarna also demonstrated significant operating leverage through AI-driven efficiencies and disciplined underwriting. Since 2022, the company has doubled its revenue while reducing operating expenses by 8% and decreasing headcount by 49%, resulting in a revenue per employee of $1.24 million.

Klarna Group (NYSE:KLAR) operates as a digital bank and flexible payments provider in the UK, the US, Germany, Sweden, and internationally. The company provides payment and marketing solutions to consumers and merchants.

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