Description of Klarna Group Plc's Business Segments

Klarna operates as a single operating and reportable segment. The executive officers, acting as the Chief Operating Decision Maker (CODM), manage the business and assess operating performance on a consolidated basis. Revenue is reported by major geographic regions based on the consumer's billing address, while interest income from cash and liquidity management is based on the financial institution's location. In 2025, the United States, Germany, and the United Kingdom were the primary geographic regions for revenue. Revenue is categorized into transaction revenue, consumer service revenue, gain on sale of consumer receivables, and interest income. Transaction revenue includes merchant revenue and advertising revenue, the latter generated from merchants placing ads on Klarna's network. In 2025, Klarna sold $1.6 billion of Fair Financing receivables, resulting in a $73 million gain on sale. Consumer service revenue mainly comprises fees earned from consumers.

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Annual Report on Klarna Group Plc Divisions, Sales by Country


Fair Financing	17.58 %	of total Revenue
United States	35.42 %	of total Revenue
Germany	24.17 %	of total Revenue
United Kingdom	12.6 %	of total Revenue
Other countries	27.81 %	of total Revenue
Transaction revenue	59.93 %	of total Revenue
Consumer service revenue	11.31 %	of total Revenue
Gain on sale of consumer receivables	2.08 %	of total Revenue
Interest income	26.7 %	of total Revenue
Snooze fees	4.59 %	of total Revenue
Debt securities	3.82 %	of total Revenue
Incremental merchant fees	0.71 %	of total Revenue

Twelve months ended 2025
KLAR s Annual Revenue by Geography and Business Segments	Sales (in millions $)	% (of total Sales)
Fair Financing	617.00	17.58 %
United States	1,243.00	35.42 %
Germany	848.00	24.17 %
United Kingdom	442.00	12.6 %
Other countries	976.00	27.81 %
Transaction revenue	2,103.00	59.93 %
Consumer service revenue	397.00	11.31 %
Gain on sale of consumer receivables	73.00	2.08 %
Interest income	937.00	26.7 %
Snooze fees	161.00	4.59 %
Debt securities	134.00	3.82 %
Incremental merchant fees	25.00	0.71 %
Total	3,509.00	100 %

Twelve months ended 2025
KLAR s Annual Income by Country and Business Segments	Income (in millions $)	% (Profit Margin)
Total	-273.00	-

Twelve months ended 2025
Annual Revenue and Income Growth by Country and Business Segments	% Y/Y Sales Growth	% Y/Y Income Growth
Fair Financing	61.1 %	-
United States	46.24 %	-
Germany	12.32 %	-
United Kingdom	27.01 %	-
Other countries	13.75 %	-
Transaction revenue	17.35 %	-
Consumer service revenue	15.41 %	-
Interest income	38.81 %	-
Snooze fees	25.78 %	-
Debt securities	-6.94 %	-
Incremental merchant fees	25 %	-

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