KLAR Klarna Group plc

$KLAR Reminder that in addition to winning the Walmart and Apple contracts, Klarna also announced they went live with JP Morgan payments last month. Default on for new merchants, no integration required. J.P. Morgan Payments is the largest merchant acquirer in the U.S., processing $2.6 trillion in merchant payment transactions annualy.

$KLAR let’s do this. No reason these prices will ever be seen again. Monumentally misunderstood and underestimated company.

$KLAR for $12.55: my 2030 bull thesis 🚀 The key point: Klarna doesn't need to dominate the US. Europe is already the foundation; the US is massive optionality. Klarna already has 120M+ consumers and 1.2M+ merchants. This isn't a startup trying to prove BNPL works, it already has a massive European ecosystem. And the US is growing faster: • Q2 revenue: $1.04B, +27% YoY • US GMV: +27% YoY • Transaction Margin Dollars: +42% YoY • Revenue per active consumer: +24% • Klarna Card: 6.5M active users • Paying members: 2M The most important number is +42% transaction margin vs +27% revenue. That's operating leverage and improving monetization. Then you have huge optionality: US expansion, Apple partnership, Klarna Card, subscriptions and potentially banking. My bull-case EPS trajectory: 2026: ~$0 2027: ~$0.60 2028: ~$1.25 2029: ~$2.20 2030: ~$3.75 At 20x 2030 EPS: $3.75 × 20 = $75/share That's roughly 6x from $12.55.

$KLAR About $150 million of the roughly $220 million revenue-guidance reduction was accounting presentation, with a corresponding reduction in costs. So really they only cut 70 million from the 4.34 billion guidance. It’s still baffling to me to see this drop from 20 to 12 from a 70 million Germany guidance cut. Especially when much of the future growth will be with J.P. Morgan, Apple, and stripe. In summary they dropped the stock almost 40% from a 1.6% haircut due to a struggling Germany economy. There is no justification for this drop besides manipulation and a retail flush

$KLAR for the next 2 years (atleast) we are going to see platforms like klarna being used more than ever before. People are paycheck to paycheck but still want and need to buy things.

$KLAR I'm Italian and, in Europe, this company has a monopoly. I'm sure they will grow a lot in USA: this price is a bargain, this will trade over $70 per share in two years.

$KLAR Affirm same revenue 5 times market cap, sezzle smaller revenue and 10 times less employee , same market cap.... This is massive discount valuation , they still spending a lot in platform development. That will pay

$KLAR Look at fundamentals, ignore the noise, and hold through tough times You will be rewarded

$KLAR Bought 3,000 shares today, up to 5,000 now. How can they land the Apple deal and have huge insider buying and still be sitting at the 52 week low? Luckily I sold most before the previous earnings and only held 800 shares when it plummeted. Nowhere to go but up from here, minimal downside risk.

$KLAR rough day for traders, but nothing changes the long-term thesis. Just another opportunity for us longs to load up. Two years from now, we won’t be talking about today’s red candles — we’ll be celebrating on a yacht. 🛥️🥂💰 Stay patient. Stay long.

$KLAR Yeah, next 2 ERs will still show this as they predicted. The money should come rolling in after that. The market knows this. Once buying pressure starts there will be no stopping this. Until then, just keep buying. Jmho.

$KLAR They probably want to get rid of their remaining puts before the let this go up again. They already reduced their number of puts by 72% last month, and increased their calls and shares position. Also State Street is buying again now.

$KLAR Consumer Reports and Tech Community ActivityWorkaround Guides and Bypasses: One of the strongest indicators of high adoption is community problem-solving. Tech platforms and networks like Reddit and US Mobile have seen a surge in users actively sharing guides on how to navigate the Klarna check-out process, specifically outlining steps to bypass Apple's "big three" carrier activation prompts so they can use the lease program on prepaid networks.Reviewer Content Focus: Leading tech reviewers and consumer finance channels have heavily shifted coverage toward evaluating the "math" of the new program, indicating high viewer interest and search volume around transitioning from the old Citizens One plan to Klarna

$KLAR $QQQ $SPY I’m this worried 🤏. Wake me at $18.75-$19.50 🎶 We are just prisoners here of our own device 🎶 #HotelCalifornia

$KLAR easy 2x a year from now. Just buy it and check next year. Exclusives with the worlds largest retailer and phone company. Let that sink in and stop overthinking about it 👌🏽😎

$KLAR Don’t worry, this will be back in the 20s by the end of the year. It’s frustrating but it’s a waiting game. Next ER will send it up 30%

$KLAR I don’t care are not selling, this is the way and the future of people paying things. Like I do

$KLAR It’s going to absolutely rip 30-40% by the end of the year after a blowout earnings. FOMO will kick in very hard and they’ll pump this over $30 by mid January

$KLAR up premarket means down as always.. enjoy the weekend, this won’t move til they want it to

$KLAR I'm retarded. 1000 @ 21 and 1400 @ 13.24. wish me luck. Will keep adding until I get to 2000