Klarna Group (:) 2025 Earnings Call Presentation

Growth & Scale - Klarna has 114 million active consumers, demonstrating significant market penetration[4,7] - Klarna's GMV reached $118 billion, reflecting substantial transaction volume[4,9] - The company serves 850,000 merchants, indicating a wide network of partnerships[4] - Fair Financing GMV grew 139% year-over-year, showcasing strong product adoption[20,75] - Klarna US active card users reached 32 million, indicating rapid growth in the card sector[90] Financial Performance & Efficiency - Klarna's Q3'25 revenue grew 51% year-over-year, outpacing competitors[94,129] - The company's AI assistant handles 81% of customer service chats, saving $58 million annually[105,106] - Average revenue per employee reached $1104k in Q3'25 TTM, a 32x increase from 2022[102] - Klarna holds $14 billion in deposits, providing a stable funding base[177] Customer & Market Dynamics - 85% of the adult population in Klarna's most mature market are users[10] - Over 99% of consumer balances at Klarna are paid, indicating responsible payer behavior[11]