As filed with the Securities and Exchange Commission on September 8, 2025. Registration No. 333-285826 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 4 to FORM F-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Klarna Group plc (Exact Name of Registrant as Specified in Its Charter) (I.R.S. Employer Identification Number) England and Wales 6199 N/A (State or Other Jurisdiction of Incorporation or Organization) (Primary Standard Industrial Classification Code Nu ...

回顾：上周3只新股上市，共募集资金约4.2亿美元。 Fitness Champs Holdings (FCHL)以每股4美元，发行了375万股，募集了1500万美元。 2只SPAC Spring Valley Acquisition III (SVACU)、GSR IV Acquisition (GSRFU)各募集了2亿美元。 此外，13家公司递交招股书，其中3家来自中国，分别是：开普勒(KPL)、奥丁丁(OWLS)(IPO速递丨2家中企赴美IPO 拟纳斯达克上市)、SPAC Miluna Acquisition(MMXTU )(IPO速递丨SPAC Miluna Acquisition 赴美IPO 拟纳斯达克上市)。 本周，暂有6家公司计划上市，募资规模均在亿美国之上。具体如下： 1、金融科技——Klarna Group plc 计划上市时间：2025年9月10日 交易所：NYSE 股票代码：KLAR 财务数据 2025上半年，Klarna营收15.24亿美元，上年同期13.25亿美元，相应的净亏损分别为1.52亿美元、3100万美元。 2、贷款平台——Figure Technology Solutions ...

瑞典金融科技巨头 Klarna，美股代号（KLAR ）即将登陆纽交所。 这家公司曾在"先买后付"（BNPL）的风口上被资本疯狂追捧，2021年估值一度飙升至456 亿美元，但短短几年，风口散去，监管收紧、利率高企、竞争 激烈，Klarna 的估值一路缩水，如今带着仅剩 140 亿美元的身价重返资本市场。 它的 IPO，不只是 Klarna 的命运节点，更像是对整个 BNPL 行业的一次"终极压力测试"：在严苛的金融环境下，这种模式能否真正跑出可持续的盈利？ 还是说，它注定只是资本泡沫的泡影？ 美股投资网团队成立于美国硅谷，投入超百万美元招聘哈佛、清华、北大的数据科学研究员，以及谷歌Meta工程师，从2008年开始就专注于打造可媲美 高盛、摩根士丹利等华尔街投行级别的AI量化软件工具，并免费开放给全球美股投资者使用，只需登录官网 StockWe.com 美国热线电话 626 378 3637 Klarna 公司概况 Klarna 成立于 2005 年，总部位于瑞典斯德哥尔摩。过去近二十年间，它已从一家 BNPL 服务商，成长为覆盖支付、储蓄账户、借记卡和即时支付的金融 科技平台。 根据 2024 年底的数据，公 ...

Core Viewpoint - Klarna aims for a valuation of $14 billion in its upcoming IPO, significantly lower than its peak valuation of $45.6 billion in June 2021, representing a 69% decline, but still above its 2022 low of $6.7 billion [3] Group 1: Business Model and Strategy - Klarna operates as a buy now, pay later (BNPL) service, where merchants pay Klarna for increased conversion rates and larger order values, unlike traditional banks that charge credit card fees [6] - The company has focused on cost-cutting and strategic adjustments in response to economic pressures, including rising inflation and tariffs [3][10] - Klarna's revenue for the six months ending June 2025 increased by 15% to $1.52 billion, but it reported a net loss of $152 million, a 390% increase in losses compared to the previous year [9] Group 2: Competitive Landscape - Klarna faces intense competition from other BNPL providers such as Affirm, AfterPay, Block, and PayPal, with its quarterly revenue growth of 21% lagging behind Affirm's 33% growth [11] - Affirm's business model, which includes interest-bearing loans and a high rate of repeat customers, contrasts with Klarna's approach, which does not report repeat customer revenue [12][13] Group 3: Customer Service and Technology - Klarna's reliance on AI for customer service has led to dissatisfaction among users, prompting the company to reconsider its strategy of replacing human roles with AI [14][19] - The company previously claimed significant cost savings through AI but has since acknowledged the importance of human interaction in customer service [15][18] Group 4: Future Outlook - There is skepticism regarding the attractiveness of Klarna's IPO shares, with analysts suggesting a wait-and-see approach until the company demonstrates its ability to meet investor expectations post-IPO [4][20]

As filed with the Securities and Exchange Commission on September 2, 2025. Registration No. 333-285826 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 3 to FORM F-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Klarna Group plc (Exact Name of Registrant as Specified in Its Charter) (Primary Standard Industrial Classification Code Number) (I.R.S. Employer Identification Number) England and Wales 6199 N/A (State or Other Jurisdiction of Incorporation or Organiza ...

As filed with the Securities and Exchange Commission on August 14, 2025. Registration No. 333-285826 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 United Kingdom Tel.: +44 8081 893 333 Amendment No. 2 to FORM F-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Klarna Group plc (Exact Name of Registrant as Specified in Its Charter) (Primary Standard Industrial England and Wales 6199 N/A (I.R.S. Employer Identification Number) (State or Other Jurisdiction of Incorporation or ...

As filed with the Securities and Exchange Commission on May 21, 2025. Registration No. 333-285826 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 1 to England and Wales 6199 N/A (I.R.S. Employer Identification Number) (State or Other Jurisdiction of Incorporation or Organization) Classification Code Number) 10 York Road London SE1 7ND United Kingdom Tel.: +44 8081 893 333 FORM F-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Klarna Group plc (Exact Name of Re ...

As filed with the Securities and Exchange Commission on March 14, 2025. Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM F-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Klarna Group plc (Exact Name of Registrant as Specified in Its Charter) England and Wales 6199 N/A (State or Other Jurisdiction of Incorporation or Organization) (Primary Standard Industrial Classification Code Number) (I.R.S. Employer Identification Number) 10 York Road London SE ...