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Stock Ratings / Financials / KLAR / options
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Klarna Group plc (KLAR) Options Positioning, Max Pain & Unusual Sweeps

$13.38 +0.60% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.37

Klarna Group plc (KLAR) carries a Roarable Rating of D+ (Sell) with 52/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $9.39B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is KLAR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Klarna Group plc (NYSE: KLAR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $13.38 (+0.60% 1D, market cap $9.39B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, KLAR ranks #588 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does KLAR compare to IREN and CHYM in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), KLAR carries a Roarable D+ (52/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, IREN (IREN Limited) holds a E grade (33/100 RQD, P/E 122.1x, ROIC 1.2%, cap $9.69B) and CHYM (Chime Financial Inc.) posts a D- grade (41/100 RQD, P/E N/A, ROIC -35.0%, cap $10.58B). Among the 5-stock peer group, KLAR leads on earnings multiple (32.8x) while KLAR leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for KLAR?
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For Klarna Group plc (KLAR), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #588 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $13.37 (-0.08%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 5.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY • 50.1% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510052
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+
Cash (12)Whales (7)SEC (15)Macro (6)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE-2.7% Base Target
$40 Bull$13 Base$10 Bear
📬 FREE KLAR RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for KLAR)Realized 20D OHLCV Swing Band: ±8.1%
Deterministic 5-Pillar Attribution (52/100 Composite)
🔍 WHY KLAR SCORES 52/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (23% of score)

SEC XBRL Trailing 12 Months: 5.2% FCF Margin ($207.4M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit6/20 pts (-14 pt drag)

Macro rate sensitivity & RSI-14 (48.8) create a -14 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
44
Grade D$13.16-0.3% Next Q
Q2 (-2Q)
47
Grade D$13.12+0.3% Next Q
Q3 (-1Q)
49
Grade D$13.16+1.7% Next Q
Current
52
Grade D+$13.38-1.1% Hist 90D α
Trajectory: D (44) → D+ (52)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a KLAR Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While KLAR currently carries a cautious 52/100 (D+) rating due to Macro Regime Fit (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Clean SEC annual filing review with no major hidden accounting time-bombs.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($13.48) and Max Pain ($14.05) forces dealer call-delta covering toward $40.10.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $KLAR• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “KLAR Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 52%NO 48%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±8.1%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (KLAR)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for KLAR.

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FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring KLAR)

  • ✓Walkthrough of KLAR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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KLAR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -10.08%▼ DESCENDING CHANNEL
2026-11-03O $13.65H $13.65L $13.30C $13.38VOL 5.82M
RES: $18.97SUP: $10.76SMA50: $13.48SMA200: $16.13
$27.70$23.52$19.34$15.15$10.97RES $18.97SUP $10.76$13.382026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

KLAR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 KLAR Butterfly Map → + Track KLAR →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
25.3%/yr Implied 5Y Growth

vs. -1.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on KLAR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for KLAR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for KLAR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (KLAR)

Financials Rank #588 of 1097 ⚔️ IREN vs KLAR Full Matrix →

1. Head-to-Head Financials Peer Comparison (KLAR vs. IREN, CHYM, HUT, BMNR)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Klarna Group plc (KLAR) ranks #588 by composite RQD confidence (52/100, grade D+) and #196 by equity capitalization ($9.39B). Within this direct 5-issuer industry benchmark cohort, KLAR leads on earnings valuation at 32.8x trailing P/E, while KLAR leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. KLAR currently leads its immediate peer cohort in composite quantitative strength at 52/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
KLAR ACTIVE
Klarna Group plc
D+ 52/100 32.8x — 9.9% +0.60% $9.39B Benchmark Subject
IREN
IREN Limited
E 33/100 122.1x — 1.2% -8.06% $9.69B /iren-vs-klar →
CHYM
Chime Financial Inc.
D- 41/100 — — -35.0% +2.08% $10.58B /chym-vs-klar →
HUT
Hut 8 Corp.
E 29/100 — — -13.9% -7.40% $7.32B /hut-vs-klar →
BMNR
BitMine Immersion Technologies Inc.
D- 40/100 37.5x — 3.4% -3.17% $12.17B /bmnr-vs-klar →

2. KLAR Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Klarna Group plc (KLAR) operates in Finance: Consumer Services (Financials) with an equity capitalization of $9.39B, trailing P/E of 32.8x, forward P/E of 30.5x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 7/9.

3. KLAR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is KLAR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Klarna Group plc (NYSE: KLAR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $13.38 (+0.60% 1D, market cap $9.39B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, KLAR ranks #588 in composite RQD confidence.

How does KLAR compare to IREN and CHYM in the Financials sector?

Within the Financials sector (Finance: Consumer Services), KLAR carries a Roarable D+ (52/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, IREN (IREN Limited) holds a E grade (33/100 RQD, P/E 122.1x, ROIC 1.2%, cap $9.69B) and CHYM (Chime Financial Inc.) posts a D- grade (41/100 RQD, P/E N/A, ROIC -35.0%, cap $10.58B). Among the 5-stock peer group, KLAR leads on earnings multiple (32.8x) while KLAR leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for KLAR?

For Klarna Group plc (KLAR), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #588 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is KLAR trading relative to its 50-day, 200-day, and 52-week technical levels?

KLAR last traded at $13.38 (+0.60% on volume of 4,142,968 shares), positioning the stock -0.74% below its 50-day simple moving average ($13.48) and -17.05% below its 200-day simple moving average ($16.13). Across its 52-week range of $12.06 to $38.19, KLAR sits at the 5.1% percentile with a 14-day RSI of 48.8 (NEUTRAL RANGE) and an implied next-earnings move of ±8.1% ($12.30 to $14.46).

Direct Sub-Reports: KLAR RQD Cockpit KLAR 12M Forecast KLAR Earnings & Move KLAR Dividends & DRIP KLAR Insiders & 13F KLAR Whale Options KLAR Profit Sankey KLAR News & Why
ROARABLE RATING BRIEF • RQD 52/100 (D+) ✓ SEC XBRL & RQD VERIFIED

KLAR — Klarna Group plc: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

Klarna Group plc (KLAR) earns a live Roarable RQD composite score of 52/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $13.38 (+0.60% 1D, market capitalization $9.39B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 9.9%, gross margin of —, operating margin of 13.9%, and free cash flow yield of 2.21%.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (6/20) + Forensic Balance Sheet (15/20): Incorporates a 0.92x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Klarna Group plc (KLAR) is listed on the NYSE and classified under the Financials sector, Finance: Consumer Services industry,. The company carries a market capitalization of $9.6B.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 52/100): Clean SEC annual filing review with no major hidden accounting time-bombs. Free cash flow yield of 2.21% and institutional whale pillar of 7/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $12.06 – $38.19 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 32.8x trailing P/E and 21.0x EV/EBITDA against 13.9% operating margins and a 0.92x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The source data therefore does not establish upstream or downstream dependencies, sector correlations, or second-order bottlenecks. The sector and industry classification (Financials; Finance: Consumer Services) is the only context available.

  • Key Question #1: Can KLAR sustain or expand its 13.9% operating margin and 9.9% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (2.21% FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $38.19 52-week high?
  • Key Question #3: How sensitive is KLAR's 30.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.92x)?

KLAR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Klarna Group plc (KLAR) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to KLAR Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

KLAR Bull vs. Bear Conversation Board — What's Your Call at $13.38?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON KLAR 🐻 33% BEARISH CONVICTION
1. Pick Your Side on KLAR:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $17.56 (+32.0%)
📌 Pinned Debate

Balance sheet scores strongest in the RQD rating (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5), offering a comparatively sound found

Long KLAR at $13.30 targeting $17.56. Balance sheet scores strongest in the RQD rating (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5), offering a comparatively sound foundation.. Institutional whale score is 7/20 and the risk/reward vs. the $12.06 52-week low is skewed heavily in favor of bulls.

EarningsSniper 🐂 BULL

@CreditSpread_Watch Shorting a 7/20 institutional whale-flow stock at $13.30 is dangerous when funds are rotating into Financials.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $9.98 (-25.0%)
Spot @ $13.30

A trailing P/E of 32.8 and EV/EBITDA of 21 sit well above a ROIC of 9.9% and FCF yield of 2.21%, leaving valuation hard to support on c

I respect the product at Klarna Group plc, but the stock at $13.30 is a different story. A trailing P/E of 32.8 and EV/EBITDA of 21 sit well above a ROIC of 9.9% and FCF yield of 2.21%, leaving valuation hard to support on cash returns.. FCF yield is 2.21% and RQD sits at 52/100 (D+) — why pay up here when you can wait for next quarter's numbers?

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