Klarna Group plc Ordinary Shares (KLAR) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

2025 earnings call. My name is Filippa Boltz, head of communications at Klana, and I'm joined today by Sebastian Szymionkowski and Niklas Niglian. Our Q4 results were released at around 7.30 a.m. Eastern time, and they are available on our investor relations website. During this call, we will discuss our business outlook and make forward-looking statements. These statements are based on our current expectations and assumptions as of today. Actual results may differ materially due to various risks and uncertainties, including those described in our most recent filings with the SEC. During this call, we will present both IFRS and non-IFRS financial measures. A reconciliation of non-IFRS to IFRS measures is included in today's earnings press release, which is distributed and available to the public through our investor relations website, as well as filed with the SEC. Please note, unless otherwise stated, all comparisons in this call will be against our results for the comparable period in 2024. During the Q&A portion of today's call, please limit yourself to one question. To join the queue, participants should dial pound key five on their telephone keypad. Before we move to Q&A, we will begin with a short presentation. Sebastian, please go ahead. Thank you for joining Klana's Q4 earnings call. Klana is accelerating its growth of our banking relationships and our revenue per customer. Millions of consumers are adopting more of our services, the Klana card, Klana's deposit accounts, Klana's fair financing products, and of course, our well-known Buy Now, Pay Later services. Now, this is exactly what we had planned for and wanted to achieve. And in Q4 2025, the adoption of these products accelerated beyond our expectations. As we scale this business, delivering on profitab...