Fourth Quarter 2025 Earnings Presentation #3F3F3F Regular text #382757 For highlighting numbers #E7F CF6 #FEE DEC #9FF 4D9 February 25, 2026 Style Guide Font: Satoshi Title/Header Font Size: 30 Subtitle/ Subheader FS: 15 Main Text FS: 11 Footnotes: 6 #8333D4 For emphasizing #FC D7B6 #FEF 5ED #F9B 5B2 #29D 3A2 #FEA 500 #F98 575 #D39 BD3 #CE5 DCB #FF8 100 #FF5 667 #833 3D4 #00B 874 #F3F 3F3 #00B 874 Disclaimer Cautionary Note Regarding Forward - Looking Statements This presentation (the "Presentation") contai ...

Core Insights - Klarna experienced a significant increase in sales during its first quarterly report as a public entity, indicating strong market demand for its services [1] - Despite the sales growth, Klarna reported a loss due to rising expenses, highlighting challenges in managing costs while scaling operations [1] Financial Performance - The company logged a jump in sales, reflecting positive consumer engagement with its buy-now, pay-later model [1] - The increase in expenses contributed to the swing to a loss, suggesting that operational efficiency may need to be addressed [1]

Core Insights - Shares of the buy-now, pay-later provider have significantly declined since its public trading debut in September [1] Company Summary - The company operates in the buy-now, pay-later sector, which has faced challenges in maintaining stock performance post-IPO [1]