Klarna Group (KLAR) Balance Sheet: Assets & Liabilities

Klarna Group (KLAR) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Klarna Group reported total assets of $18.80B and total liabilities of $16.11B. Shareholders' equity was $2.51B, up 20.2% from $2.09B a year earlier. Total debt stood at $1.43B against $3.80B in cash and short-term investments, a net cash position of $2.38B. That puts debt-to-equity at 0.57, compared with 0.22 a year earlier.

Klarna Group Balance Sheet Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Klarna Group plc (KLAR) - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	3.80	3.24	2.39	1.54	1.75	0.61	0.01	0.00	0.00
Short-Term Investments	0.00	0.00	0.72	1.03	1.08	0.63	0.27	0.35	0.23
Cash & Short-Term Investments	3.80	3.25	2.39	2.57	2.83	1.24	0.28	0.35	0.23
Accounts Receivable	11.83	0.48	0.70	6.76	7.74	0.00	0.00	0.00	0.00
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	0.03	0.03	0.01	0.01	5.57	3.42	2.59	1.86
Total Current Assets	15.63	12.14	11.43	10.44	10.60	6.82	3.70	2.94	2.09
Non-Current Assets
Property, Plant & Equipment (Net)	0.06	0.09	0.12	0.20	0.21	0.12	0.10	0.01	0.01
Long-Term Investments	1.52	0.02	0.03	1.12	0.21	0.20	0.20	0.00	0.00
Goodwill	0.69	0.61	0.67	0.66	0.51	0.17	0.14	0.15	0.16
Intangible Assets	0.38	0.38	0.53	0.34	0.11	0.04	0.04	0.04	0.04
Other Non-Current Assets	0.49	0.07	0.11	0.48	0.18	0.16	0.08	0.04	0.03
Total Non-Current Assets	3.17	1.66	2.35	1.57	1.22	0.70	0.56	0.25	0.23
Total Assets	18.80	13.80	13.75	12.01	11.82	7.51	4.26	3.18	2.32
Current Liabilities
Accounts Payable	1.39	1.27	1.45	1.10	0.02	0.03	0.02	0.00	0.02
Short-Term Debt	0.11	0.01	0.25	0.35	0.70	0.63	0.72	0.00	0.04
Current Portion of Long-Term Debt	-	0.06	0.03	0.35	0.70	-	-	-	-
Accrued Liabilities	-	-	-	0.27	0.31	-	-	-	-
Deferred Revenue	13.00	9.51	8.36	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Liabilities	0.07	0.02	0.00	6.05	4.60	3.11	1.26	1.43	0.91
Total Current Liabilities	14.58	10.86	10.12	1.10	5.66	3.77	1.99	1.43	0.96
Non-Current Liabilities
Long-Term Debt	1.32	0.44	0.09	0.47	0.42	0.34	0.54	0.45	0.29
Deferred Tax Liabilities	0.00	0.00	0.00	0.09	0.03	0.00	0.00	0.00	0.00
Other Non-Current Liabilities	0.22	0.11	-0.19	8.12	2.86	1.67	0.70	0.76	0.55
Total Non-Current Liabilities	1.54	0.69	1.43	8.59	3.45	2.01	1.24	1.21	0.84
Total Liabilities	16.11	11.55	11.55	9.69	9.11	5.77	3.23	2.64	1.80
Stockholders' Equity
Common Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	2.17	-2.08	-2.16	-1.95	-0.96	-0.16	0.00	0.10	0.11
Accumulated Other Comprehensive Income	-0.09	-0.48	-0.31	-0.37	0.09	0.07	0.08	0.08	0.05
Additional Paid-in Capital	0.43	4.65	4.63	3.99	3.57	1.81	0.94	0.36	0.36
Minority Interest	0.18	0.17	0.01	0.01	0.01	0.01	0.01	0.01	0.00
Shares Outstanding	0.38	0.38	0.38	-	-	-	-	-	-
Total Stockholders' Equity	2.51	2.09	2.19	2.32	2.71	1.73	1.02	0.54	0.52
Total Liabilities & Equity	18.80	13.80	13.75	12.01	11.81	7.51	4.26	3.18	2.32

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Klarna Group Balance Sheet

How much debt does Klarna Group have?

Klarna Group had total debt of $1.43B as of Dec 31, 2025, against $3.80B in cash and short-term investments. Its debt-to-equity ratio was 0.57. Total debt was $452.00M a year earlier.

What are Klarna Group's total assets?

Klarna Group reported total assets of $18.80B as of Dec 31, 2025, up 36.2% from $13.80B a year earlier. Total liabilities were $16.11B.

What is Klarna Group's shareholders' equity?

Klarna Group's shareholders' equity was $2.51B as of Dec 31, 2025, or about $6.64 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition