Klarna Group plc Financial Statements FY2023-FY2026

Klarna Group plc (KLAR) Financial Statements in Beancount — Open Ledger

Klarna's income statement and balance sheet, FY2023 through FY2026Q2, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form F-1, 20-F and 6-K filings and version-controlled in git. Part of the Open Ledger project on beancount.io.

Browse it live: beancount.io/ledger/open_ledger/klarna

Latest analysis: Klarna Q2 2026 Earnings: $9M of Profit, a $69M Loan-Sale Gain and an $11.7B Deposit Base

Key Figures

Amounts in MUSD (millions of US dollars), exactly as the ledger records them.

What's Inside

Fiscal years end December 31 (SEC CIK 0002003292). Klarna reports in US dollars under IFRS and listed on the NYSE in September 2025. FY2023 and FY2024 come from the F-1 registration statement (the FY2024 balance sheet from the FY2025 Form 20-F comparative column), FY2025 from the Form 20-F and FY2026Q2 (three months ended June 30, 2026, unaudited) from the earnings release furnished on Form 6-K. The chart is adapted for a licensed bank funded by consumer deposits: consumer receivables in three accounts by measurement basis, plus Liabilities:Current:Deposits and Liabilities:Current:PayablesToMerchants. Receivables Klarna has sold are off balance sheet and are not modeled.

Quick Start

uvx --from beancount bean-check main.bean
uvx --from beanquery bean-query main.bean \
  "SELECT year, sum(position) WHERE account ~ '^Income:Revenue' GROUP BY year ORDER BY year"

Zero output from bean-check means the ledger is internally consistent: every
income statement sums to zero and every balance-sheet snapshot reconciles to
the filed totals. The query prints revenue by calendar year; income is a
credit, so it shows as a negative number. Open main.bean in Fava
or import it into beancount.io to explore it visually.

Methodology

• Balance sheet — pad / balance directives assert each period-end
  figure against the filing named in that period file's source banner.
• Income statement — one zero-sum transaction per period: Income
  negative (credit), Expenses positive (debit), with the arithmetic check in
  a comment directly above it.
• Unit — MUSD; 1,042 MUSD means 1,042 million US dollars.
• Additional accounts — Assets:Current:ConsumerReceivables,
  Assets:Current:ConsumerReceivablesFVOCI,
  Assets:Current:ConsumerReceivablesFVTPL, Liabilities:Current:Deposits,
  Liabilities:Current:PayablesToMerchants,
  Liabilities:NonCurrent:NotesPayable, Equity:NonControllingInterests,
  Expenses:DepreciationAmortization, opened beyond the standard chart (see
  each account's open line in main.bean).

Analysis

• Klarna Q2 2026 Earnings: $9M of Profit, a $69M Loan-Sale Gain and an $11.7B Deposit Base — FY2026Q2

Corrections

Found a figure that does not match the filing? Email
[email protected] with the period, the account
and the filing page. Corrections are committed with the source cited.

About Open Ledger

Open Ledger is a growing library of public-company financial statements
published as plain-text accounting at
beancount.io/ledger — git-versioned, diffable
across companies, and auditable against primary filings. Read the analysis
behind the numbers on the beancount.io blog.

Disclaimer

This ledger is an independent reconstruction of Klarna Group plc's publicly filed
financial statements, provided for educational and informational purposes
only. It is not investment, financial, legal, tax, or accounting advice, and
is not an offer or recommendation to buy or sell any security. Beancount.io is
not affiliated with, endorsed by, or sponsored by Klarna Group plc; all trademarks
belong to their respective owners. Figures may contain errors, omissions, or
simplifications and may lag the latest filings — the company's own regulatory
filings are the authoritative source. Provided "as is" without warranty of any
kind; use at your own risk.