About Klarna

Klarna is a leading Swedish fintech company, founded in 2005, specializing in payment solutions for e-commerce and physical stores.

The company is best known for its 'Buy now, pay later' (BNPL) service, which offers consumers flexible payment options. Klarna has expanded globally and now operates in over 26 markets, with over 85 million consumers and 600 000 merchants connected to its services.

Products and services

Klarna offers a range of financial services aimed at both consumers and merchants, with a focus on flexible payment solutions and customer experience.

Payment solutions for consumers

Buy now, pay later (BNPL): Consumers can choose to split payments over time or defer payment to a later date. This makes it possible to shop without having to pay the full amount immediately. The service is often interest-free and has become one of Klarna's most popular solutions.

Credit and debit cards: Klarna offers both physical and virtual cards that are directly integrated into their app. These cards allow consumers to use Klarna's payment options in both e-commerce and physical stores.

Banking services: In some markets, Klarna offers competitively priced savings accounts and other financial products, broadening its service offering and strengthening customer relationships.

Services for merchants

For merchants, Klarna delivers several tools and services designed to improve sales and optimize the customer experience:

Marketing services: Through the Klarna platform, merchants can promote their products to millions of users through personalized recommendations, promotions and collaborations. Services such as 'Klarna Spotlight' and 'Sponsored Listings' help merchants reach new audiences and increase visibility.

Analysis and insights: Klarna offers advanced data analytics tools that provide merchants with insights into customer behavior, sales patterns, and market trends. This data helps businesses optimize their offering and create more targeted campaigns.

Business model and revenue streams

Klarna generates revenue through multiple channels, with merchant fees from merchants making up a large part, complemented by consumer fees such as late fees and interest income on installments. The company also offers subscription services for premium features to both consumers and merchants. This diversified business model provides a stable revenue base and supports continued growth and innovation.

Financial developments

• 2022: Turnover of SEK 19.3 billion.
• 2023: Turnover increased by 22 % to SEK 23.5 billion.
• H1 2024: Turnover amounted to SEK 13.3 billion
• Q3 2024: Net profit of SEK 216 million, an improvement of 57 % from the same period a year earlier.

Development driven by increased revenue from BNPL services and a more efficient cost structure. Klarna continues to expand globally and is moving in the right direction to achieve sustainable profitability.

Klarna's IPO in the US

Klarna has taken significant steps towards an IPO in the United States. In November 2024, the company filed a confidential listing application with the US Securities and Exchange Commission (SEC). To prepare for this listing, Klarna has previously established a holding company in the UK, facilitating their international structure and future listing. CEO Sebastian Siemiatkowski has previously indicated that an IPO before summer 2025 is realistic, depending on market conditions and the company's continued growth.

How to buy shares in Klarna

1. Create an account on Eqvor.com
2. Click on the buy button at Klarna in the OTC list.
3. Choose how many shares you want to buy and at what price.
4. Wait for the order to be matched.
5. Transfer funds and receive the shares in your computershare.com account - Done!

In addition to Klarna, we have also helped investors buy and sell shares in other exciting unlisted companies in sectors such as 

Hbiotechnology and bioengineering, there are A3P Biomedical, BioCrine, Doktor.se, MEDS Pharmacy, Sigrid Therapeutics and Mindler. Under financial services there are Mynt, Yabie and Billogram.

Within technology and innovation: Dirac Research, Exeger, Cascade Drives, Sana Labs, Quartr and Virtune. I the consumer and lifestyle segment: CDLP, Estrid and Marshall.

Under transport and vehicle technology there are Einride, Voi, XShore, Koenigsegg and Candela. Within energy and sustainability: Blykalla and Svea Solar.

In addition: Epidemic Sound (media), Kaunis Iron (industry),  GreenGold Group (forestry), and investment companies Röko, byWiT and Nicoya.

We can also help to implement deals in other unlisted companies - even if they are not listed on the platform. Contact us if you are looking for a specific case.