Klarna Group plc (KLAR) Fair Value 2026

KLAR · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.6 /10

32 fundamental signals · 3 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Klarna Group plc (KLAR) trades at $14.01, versus a $7.91 median fair value across its 3 active models — 43.5% below the current price. QOC: 5.6/10. Value Trap Risk: 0/100 (SAFE). 3/13 models active.

Key Facts

Ticker
KLAR
Price
$14.01
Quality Score
5.6/10
Value Trap Risk
0/100
Models Active
3/13
Last Updated
Strength: 3 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Klarna Group plc (KLAR) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, Klarna Group plc (KLAR) appears overvalued as of : the median of 3 independent fair value estimates is $7.91, 43.5% below the current price of $14.01. Estimates range from $1.39 to $11.58. KLAR scores 5.6/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. KLAR’s -43.5% gap is wider than that market norm, and the Credit Services sector median is +17.2%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Klarna Group plc Stock in 2026? →

What Fair Value Does Each Model Give KLAR?

3 Intrinsic Value Models vs. Current Price ($14.01)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $1.39 -90.1%
Relative · Medium Conviction
 $7.91 -43.5%
Relative · Low Conviction
 $11.58 -17.4%

All Models Active

All 3 models are displayed above.

What Is KLAR's Fair Value Range?

Spread across 3 independent models · $1.39 to $11.58

CirclFi's 3 active models place Klarna Group plc (KLAR) between $1.39 and $11.58 per share, a spread of 129% of the median. The median of that range — $7.91 — is the fair value CirclFi publishes for KLAR, against a current price of $14.01.

Low · ML-RIVHigh · FTNN
$1.39median $7.91$11.58
Where the range comes from
Most bearish modelML Residual Income$1.39
Most bullish modelFTNN Topology$11.58
Model agreement0 bullish · 3 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for KLAR. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on KLAR, not a CirclFi price target. How each model works →

What Is Klarna Group plc (KLAR) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Klarna Group plc's intrinsic value is estimated at $7.91. Trading at its current price of $14.01, the valuation engine raises significant caution: 3 of 3 models flag downside risk, projecting a median implied return of -43.5%. Notably, FTNN sees the most upside at -17.4% (fair value: $11.58), while ML-RIV is the most conservative at -90.1% ($1.39). The spread between these extremes — +72.7% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About KLAR?

3 of 13 models are currently active for KLAR. All 3 active models suggest the stock trades above fair value. Taken together, their median fair value for KLAR is $7.91 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does KLAR Rank in Credit Services?

Among 54 Credit Services stocks, KLAR ranks #44 by Quality of Company score. CirclFi's QOC score of 5.6/10 evaluates 32 fundamental signals. A score of 5.6 reflects mixed fundamentals.

See all Most Undervalued Credit Services Stocks →

The Credit Services sector introduces analytical considerations specific to financial institution businesses. For Klarna Group plc, metrics like CET1 capital ratio provide important context that general-purpose valuation models may underweight.

Is KLAR a Value Trap?

CirclFi's Value Trap algorithm assigns KLAR a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for Klarna Group plc. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Klarna Group plc scores 5.6 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +72.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every KLAR valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across KLAR's 3 active models, average confidence is 27%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Klarna Group plc Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

JFJ and Friends Holdings LimitedQOC 5.9FOAFinance of America Companies Inc.QOC 5.6PRAAPRA Group, Inc.QOC 6.4LULufax Holding LtdQOC 5.3NAVINavient CorporationQOC 6.5VRMVroom, Inc.QOC 5.0AXPAmerican Express CompanyQOC 9.1ENVAEnova International, Inc.QOC 7.9NNINelnet, Inc.QOC 7.4JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: JF · FOA · PRAA · LU · NAVI · VRM · AXP · ENVA · NNI · JFIN · MA

Which Other Stocks Have a Similar Quality Score to KLAR?

7 companies across all industries closest to KLAR’s Quality of Company score of 5.6/10.

LFWDLifeward Ltd.QOC 5.6RFLRafael Holdings, Inc.QOC 5.6NNOXNano-X Imaging Ltd.QOC 5.6TMDETMD Energy LimitedQOC 5.6QTIQT Imaging Holdings, Inc.QOC 5.6FATEFate Therapeutics, Inc.QOC 5.6NVDANVIDIA CorporationQOC 10.0

Read investment analysis: LFWD · RFL · NNOX · TMDE · QTI · FATE · NVDA

Where Does KLAR Sit in CirclFi's Credit Services Rankings?

KLAR is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About Klarna Group plc’s Valuation?

What is Klarna Group plc's intrinsic value in 2026?

CirclFi puts Klarna Group plc (KLAR)'s intrinsic value at $7.91 — the median of 3 independent model estimates as of 2026-08-27, ranging from $1.39 to $11.58. The Quality of Company score is 5.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is KLAR overvalued or undervalued right now?

At $14.01, 0 of 3 active models suggest KLAR may be undervalued, while 3 indicate potential overvaluation. The median of all 3 fair value estimates is $7.91, 43.5% below the current price of $14.01 — a consensus view that KLAR is overvalued. The assessment depends on which methodology best fits Klarna Group plc's business model in Credit Services.

What does a Quality of Company score of 5.6 mean for KLAR?

Klarna Group plc's QOC of 5.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on KLAR?

CirclFi analyzes KLAR with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on KLAR?

Of the 3 models currently active on KLAR, FTNN Topology is the most bullish at $11.58 per share, and ML Residual Income is the most bearish at $1.39. CirclFi's published fair value for KLAR is the median of that range, $7.91, not either extreme. The gap between the two ends equals 129% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is KLAR a value trap in 2026?

Klarna Group plc's Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, Klarna Group plc (KLAR) has a median fair value of $7.91 — 43.5% below the current price of $14.01 — as of 2026-08-27.” Source: circlfi.com/stock/KLAR/ · Methodology
Primary sources for this KLAR valuation
  • Financial statements: Klarna Group plc 10-K and 10-Q filings on SEC EDGAR (CIK 0002003292) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for KLAR as of ; valuations recomputed .