Klarna Group plc (KLAR) Q4 2025 Earnings Call Transcript

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SA Transcripts158.52K FollowersFollow5ShareSaveCommentsPlay Earnings CallPlay Earnings Call Klarna Group plc (KLAR) Q4 2025 Earnings Call February 19, 2026 8:30 AM EST Company Participants Filippa BolzSebastian Siemiatkowski - Co-Founder, CEO & DirectorNiclas Neglen - CFO & Director Conference Call Participants Sanjay Sakhrani - Keefe, Bruyette, & Woods, Inc., Research DivisionWilliam Nance - Goldman Sachs Group, Inc., Research DivisionJason Kupferberg - Wells Fargo Securities, LLC, Research DivisionHarshita Rawat - Bernstein Institutional Services LLC, Research DivisionDarrin Peller - Wolfe Research, LLCTien-Tsin Huang - JPMorgan Chase & Co, Research DivisionMihir Bhatia - BofA Securities, Research DivisionRobert Wildhack - Autonomous Research US LPChristopher Svensson - Deutsche Bank AG, Research DivisionJames Faucette - Morgan Stanley, Research DivisionHarry Bartlett - Rothschild & Co Redburn, Research DivisionTimothy Chiodo - UBS Investment Bank, Research Division Presentation Filippa Bolz Hello, everyone, and welcome to Klarna Fourth Quarter 2025 Earnings Call. My name is Filippa Bolz, Head of Communications at Klarna, and I'm joined today by Sebastian Siemiatkowski and Niclas Neglen. Our Q4 results were released at around 7:30 a.m. Eastern Time, and they are available on our Investor Relations website. During this call, we will discuss our business outlook and make forward-looking statements. These statements are based on our current expectations and assumptions as of today. Actual results may differ materially due to various risks and uncertainties, including those described in our most recent filings with the SEC. During this call, we will present both IFRS and non-IFRS financial measures. A reconciliation of non-IFRS to IFRS measures is included in today's earnings press release, which is distributed and available to the public through our Investor Relations website as well as filed with the SEC. Please note, unless otherwise stated, all comparisons in this call will be against our results for the comparable period in 2024. [Operator Instructions] Before we move to Q&A, we will begin with
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