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v3.25.4

Consolidated Statements of Profit or Loss - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Profit (loss) [abstract] |  |  |
Transaction and service revenue | $ 2,500 | $ 2,136 | $ 1,768
Gain on sale of consumer receivables | 73 | 0 | 0
Interest income | 937 | 675 | 508
Total revenue | 3,509 | 2,811 | 2,276
Processing and servicing costs | (809) | (596) | (541)
Provision for credit losses | (794) | (495) | (353)
Funding costs | (667) | (503) | (297)
Technology and product development | (486) | (444) | (389)
Sales and marketing | (414) | (328) | (381)
Customer service and operations | (207) | (203) | (240)
General and administrative | (306) | (281) | (270)
Depreciation, amortization and impairments | (55) | (82) | (128)
Operating expenses | (3,739) | (2,932) | (2,599)
Operating loss | (230) | (121) | (323)
Other income (expense) | (11) | 154 | 19
Profit (loss) before taxes | (241) | 33 | (304)
Tax (expense) benefit | (32) | (12) | 60
Net profit (loss) | (273) | 21 | (244)
Whereof attributable to: |  |  |
Shareholders of Klarna Group plc | (294) | 3 | (249)
Non-controlling interests | 21 | 12 | 0
Other equity holders | 0 | 6 | 5
Net profit (loss) | $ (273) | $ 21 | $ (244)
Net profit (loss) per share attributable to shareholders of Klarna Group plc |  |  |
Basic earnings (loss) per share (in USD per share) | $ (0.79) | $ 0.01 | $ (0.69)
Diluted earnings (loss) per share (in USD per share) | $ (0.79) | $ 0.01 | $ (0.69)

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