Klarna continues to hold the top position among pure-play buy-now-pay-later providers, benefiting from a rapidly expanding global market that is projected to reach US$509.2 billion in 2026 and grow to US$1 trillion by 2031 at a 14.7% compound annual growth rate. The company’s extensive merchant network—now covering more than 450,000 retailers worldwide—and its diversified financing portfolio, which includes point-of-sale loans, virtual and physical cards, and savings-account features, have enabled Klarna to capture an estimated 28% of total BNPL transaction volume in key developed markets. As banks, card networks and payment platforms intensify competition with bank-embedded installment offerings, Klarna’s scale, deep consumer credit analytics and regulatory compliance framework position it to defend market share and pursue further expansion into underpenetrated regions such as Latin America and Southeast Asia.

Klarna will publish its fourth-quarter 2025 financial results on Thursday, February 19, 2026, before market open, with an earnings webcast scheduled for 8:30 a.m. ET. CEO Sebastian Siemiatkowski and CFO Niclas Neglen will discuss performance metrics—including year-over-year growth in total payment volume, net revenue trends and operating margin improvements—and field questions via a dedicated Q&A portal. Verified shareholders can submit and upvote questions through Say Technologies from 8:30 a.m. ET on February 11 until 8:30 a.m. ET on February 18, ensuring that the company addresses top investor concerns in real time. A replay of the webcast will be available on Klarna’s investor relations site following the live event.