<SEC-DOCUMENT>0002099112-26-000002.txt : 20260312
<SEC-HEADER>0002099112-26-000002.hdr.sgml : 20260312
<ACCEPTANCE-DATETIME>20260312200724
ACCESSION NUMBER:		0002099112-26-000002
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20260312
FILED AS OF DATE:		20260312
DATE AS OF CHANGE:		20260312

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Fock David
		CENTRAL INDEX KEY:			0002099112
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-42832
		FILM NUMBER:		26749671

	MAIL ADDRESS:	
		ADDRESS IS A NON US LOCATION: 	YES
		STREET 1:		10 YORK ROAD
		CITY:			LONDON
		PROVINCE COUNTRY:   	X0
		ZIP:			SE1 7ND

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Klarna Group plc
		CENTRAL INDEX KEY:			0002003292
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		ORGANIZATION NAME:           	02 Finance
		EIN:				000000000
		STATE OF INCORPORATION:			X0
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		10 YORK ROAD
		CITY:			LONDON
		STATE:			X0
		ZIP:			SE1 7ND
		BUSINESS PHONE:		0046734205795

	MAIL ADDRESS:	
		STREET 1:		10 YORK ROAD
		CITY:			LONDON
		STATE:			X0
		ZIP:			SE1 7ND

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Klarna UK II plc
		DATE OF NAME CHANGE:	20231205
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0206</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2026-03-12</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0002003292</issuerCik>
        <issuerName>Klarna Group plc</issuerName>
        <issuerTradingSymbol>KLAR</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0002099112</rptOwnerCik>
            <rptOwnerName>Fock David</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>10 YORK ROAD</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>LONDON</rptOwnerCity>
            <rptOwnerState>X0</rptOwnerState>
            <rptOwnerZipCode>SE1 7ND</rptOwnerZipCode>
            <rptOwnerStateDescription>UNITED KINGDOM</rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Chief Product Design Officer</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Klarna Group plc Ordinary Shares</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>176838</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Larkan AB Restricted Stock Units</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <footnoteId id="F2"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F2"/>
            </exerciseDate>
            <expirationDate>
                <footnoteId id="F2"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Klarna Group plc ordinary shares</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <footnoteId id="F2"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Larkan SPV Warrants L4:1</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>6885.33</value>
                <footnoteId id="F4"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2027-09-01</value>
            </exerciseDate>
            <expirationDate>
                <value>2027-11-15</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Klarna Group plc ordinary shares</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1052412</value>
                    <footnoteId id="F3"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Larkan SPV Warrants L5:2</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>6885.33</value>
                <footnoteId id="F4"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2027-09-01</value>
            </exerciseDate>
            <expirationDate>
                <value>2027-11-15</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Klarna Group plc ordinary shares</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1078224</value>
                    <footnoteId id="F5"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Larkan SPV Warrants L10:2</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>6885.33</value>
                <footnoteId id="F4"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2028-09-01</value>
            </exerciseDate>
            <expirationDate>
                <value>2028-11-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Klarna Group plc ordinary shares</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>363720</value>
                    <footnoteId id="F6"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Klarna Group plc Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>374.25</value>
                <footnoteId id="F4"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2024-12-31</value>
            </exerciseDate>
            <expirationDate>
                <value>2029-06-29</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Klarna Group plc ordinary shares</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>212520</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Klarna Group plc Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>374.25</value>
                <footnoteId id="F4"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2025-03-05</value>
            </exerciseDate>
            <expirationDate>
                <value>2029-09-05</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Klarna Group plc ordinary shares</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>211584</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Klarna Group plc Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>748.5</value>
                <footnoteId id="F4"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2026-03-05</value>
            </exerciseDate>
            <expirationDate>
                <value>2029-09-05</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Klarna Group plc ordinary shares</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>410712</value>
                    <footnoteId id="F7"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Klarna Group plc Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>1122.75</value>
                <footnoteId id="F4"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2026-03-05</value>
            </exerciseDate>
            <expirationDate>
                <value>2029-09-05</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Klarna Group plc ordinary shares</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>913020</value>
                    <footnoteId id="F7"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Includes 27,000 Klarna Group plc ordinary shares (Shares) purchased on March 9, 2026 in open market transactions at a price per ordinary shares of $14.39 (rounded to cents) for an aggregate consideration of $388,552.14. In addition to the ordinary shares reported in this Form 3, the reporting person beneficially owns a number of the Klarna Group plcs (the Issuer) Class B shares equal to the number of ordinary shares so reported.</footnote>
        <footnote id="F2">Represents 14,015 restricted stock units in Larkan AB (Larkan), an indirect subsidiary of Klarna Group plc (the Issuer). Once shares of Larkan are delivered in settlement of the restricted stock units, approximately four shares of Larkan are convertible into one Share. Restricted Stock Units in Larkan vest quarterly, at a total vesting of 25% of the initial grant per year.</footnote>
        <footnote id="F3">Represents warrants to acquire 87,701 shares of Larkan IV AB, a direct subsidiary of the Issuer. Each underlying share of Larkan IV AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 1,052,412 Shares being subject to the warrant, that is vesting annually by 20% for a period of four years with an additional 20% vesting on August 27, 2027.</footnote>
        <footnote id="F4">Value in SEK</footnote>
        <footnote id="F5">Represents warrants to acquire 89,852 shares of Larkan V AB, a direct subsidiary of the Issuer. Each underlying share of Larkan V AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 1,078,224 Shares being subject to the warrant, that is vesting annually by 20% for a period of four years with an additional 20% vesting on August 27, 2027.</footnote>
        <footnote id="F6">Represents warrants to acquire 30,310 shares of Larkan X AB, a direct subsidiary of the Issuer. Each underlying share of Larkan X AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 363,720 Shares being subject to the warrant, that is vesting annually in equal installments over a period of four years.</footnote>
        <footnote id="F7">Represents an option to acquire Shares that vest in four equal annual installments beginning on the first anniversary of the grant date.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Boudien Moerman, as attorney-in-fact</signatureName>
        <signatureDate>2026-03-12</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
