클라리나 그룹(KLAR) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

Q: What kind of company is 클라리나 그룹(KLAR)?

클라리나 그룹(KLAR) belongs to the Financial sector and operates in the Credit Services industry.

Q: What is the market cap of KLAR?

The market cap of KLAR is approximately $7.0B, ranking 1,167 within its sector.

Q: What is the 52-week high and low for KLAR?

KLAR has recorded a 52-week high of $57.20 and a low of $12.06.

KLAR

Klarna Group plc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$18.49

+1.13 ▲ +6.51%

🌙 7월 27일 7:04 PM ET (한국 7/28 08:04)

$18.49

+0.00 +0.00%

클라리나 그룹(KLAR) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$7.0B

스몰캡

P/E

배당수익률

없음

52주 위치

14%

저점 +53% · 고점 -68%

애널리스트

매수

Fundamental health

vs. Credit Services· based on 3 axes

수익성

산출 불가 (적자)

성장

Top 16%

밸류에이션

Top 24%

재무 안정

Top 73%

Index ⓘ	-	P/E ⓘ	-	EPS (ttm) ⓘ	-0.53	Insider Own ⓘ	62.11%	Shs Outstand ⓘ	378.1M	Perf Week ⓘ	-1.44%
Market Cap ⓘ	6.98B	Forward P/E ⓘ	22.67	EPS next Y ⓘ	292.1%	Insider Trans ⓘ	-	Shs Float ⓘ	143.0M	Perf Month ⓘ	-3.35%
Enterprise Value ⓘ	5.77B	PEG ⓘ	-	EPS next Q ⓘ	-0.04	Inst Own ⓘ	22.88%	Short Float ⓘ	23%	Perf Quarter ⓘ	31.41%
Income ⓘ	-0.20B	P/S ⓘ	1.83	EPS this Y ⓘ	126.33%	Inst Trans ⓘ	0.52%	Short Ratio ⓘ	6.08	Perf Half Y ⓘ	-33.25%
Sales ⓘ	3.82B	P/B ⓘ	2.84	EPS next 5Y ⓘ	-	ROA ⓘ	-1.19%	Short Interest ⓘ	32.90M	Perf YTD ⓘ	-36.04%
Book/sh ⓘ	6.5	P/C ⓘ	2.49	EPS past 3/5Y ⓘ	33.94% -	ROE ⓘ	-8.6%	52W High ⓘ	-67.67% ($57.20)	Perf Year ⓘ	-
Cash/sh ⓘ	7.43	P/FCF ⓘ	-	Sales past 3/5Y ⓘ	22.6% -	ROIC ⓘ	-8.1%	52W Low ⓘ	53.32% ($12.06)	Perf 3Y ⓘ	-
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	-199.1%	Gross Margin ⓘ	56.39%	Volatility(W/M) ⓘ	5.68% 5.2%	Perf 5Y ⓘ	-
Dividend TTM ⓘ	-	EV/Sales ⓘ	1.51	Sales Y/Y TTM ⓘ	33.05%	Oper. Margin ⓘ	-3.3%	ATR (14) ⓘ	1	Perf 10Y ⓘ	-
Dividend Ex-Date ⓘ	-	Quick Ratio ⓘ	0.88	EPS Q/Q ⓘ	95.07%	Profit Margin ⓘ	-5.21%	RSI (14) ⓘ	49.69	Recom ⓘ	1.8
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	0.88	Sales Q/Q ⓘ	44.37%	SMA20 ⓘ	-3.72% ($19.2)	Beta ⓘ	-	Target Price ⓘ	$23.35
Payout ⓘ	-	Debt/Eq ⓘ	0.58	Earnings ⓘ	2026/8/18	SMA50 ⓘ	2.92% ($17.97)	Rel Volume ⓘ	0.52	Prev Close ⓘ	$17.36
Employees ⓘ	2831	LT Debt/Eq ⓘ	0	EPS/Sales Surpr. ⓘ	99.29% 5.92%	SMA200 ⓘ	-18.25% ($22.62)	Avg Volume(3M) ⓘ	5.41M	Price ⓘ	$18.49
IPO ⓘ	2025/9/10	Option/Short ⓘ	Yes/Yes			Trades ⓘ	18903	Volume ⓘ	2,800,526	Change ⓘ	6.51%

Quarterly earnings trend Quarterly earnings data is not yet available — foreign-listed companies (ADRs) only file annual reports with the U.S., and recently listed companies may not have filed their first quarterly report.

📊 Klarna Group plc (KLAR) Investment Analysis

What kind of company is Klarna Group plc?

클라리나 그룹(KLAR)

Financial · Credit Services

#1167 by Market Cap — Mid-Cap

🛍️ This company is a global fintech firm that operates a payment and shopping platform centered on buy-now-pay-later (installment payments). It enables consumers to split payments for purchases, runs a shopping app that connects merchants and consumers, and is a consumer finance stock whose performance is tied to payment volume, the number of merchants and consumers, and credit losses.

Learn more about Klarna Group plc →

Market Cap

$7.0B

Approx. KRW 9.6 trillion

⚖️ 2% of Samsung Electronics

Market Cap Rank1167

Employees2,831people

IPO2025/09/10

Current Price$18.49 ≈ 25,331원

NYSE · United Kingdom

Key Events

⏰ Upcoming events

🔔 Earnings release D-22

8월 18일 (화) · 장 시작 전

예상 EPS $-0.04

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 5월 14일 (목) · 장 시작 전 EPS +99.3% 매출 +5.9%

🔔 Earnings release 2026년 2월 26일 (목) · 장 마감 후 EPS -36.2% 매출 +0.0%

Is it profitable?

Profitability weak

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

-3.3%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

Net Margin

Share of revenue left after taxes and interest are paid

-5.2%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

Gross Margin

Profit after subtracting raw-material costs only (signals product competitiveness)

56.4%

✓ 평균

My positionMid-range

Low range Average High range

Credit Services Median 73.7% · Bottom 25%

💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)

ROE

Annual return earned on shareholders' equity (15%+ is strong)

-8.6%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

ROA

Annual earnings relative to total company assets

-1.2%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

ROIC

Return generated per dollar invested in the business

-8.1%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.58

✓ Healthy debt

My positionMid-range

Low range Average High range

Credit Services Median 1.64

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.88

✓ 평균

My positionMid-range

Low range Average High range

Credit Services Median 2.08

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

Quick Ratio

Liquid assets excluding inventory, available for immediate use

0.88

✓ 평균

My positionMid-range

Low range Average High range

Credit Services Median 1.96

💡 1.0 이상이면 안전, 0.5 미만이면 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Positive Outlook

Price targets, growth, and valuation are favorable

애널리스트 목표가

$23.35

현재가 대비 +26.3%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

22.67배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

내년 EPS 예상 성장률

+292.1%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

Average Earnings Performance

Mixed beats and misses

예상 상회

예상 부합

예상 하회

50%

상회 비율

+30.3%

평균 서프라이즈

2026.05.14

상회

실적 $-0.00 · 예상 $-0.14 +96.9%

2026.02.26

하회

-36.2%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Strong Growth

Above the industry average, both historically and going forward

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+126.3%

우수

My positionTop 25%

Low range Average High range

미분류 중형주 Median 7.3% · Top 17%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+292.1%

우수

My positionTop 5%

Low range Average High range

미분류 중형주 Median 15.6% · Top tier

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+33.9%

양호

My positionMid-range

Low range Average High range

미분류 중형주 Median 18.2% · Top 29%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+44.4%

우수

My positionTop 25%

Low range Average High range

미분류 중형주 Median 10.8% · Top 19%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Returns by period

Current position within 52-week range

Low (-53.3%p) High (-67.7%p)

Current price is 53.3% above the 52-week low and 67.7% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-43.5%

Annualized volatility

83.1%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 137-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔴

Current diagnosis · 2026-07-27

Downtrend zone

Current price $18.49 below the midline ($19.20). Normal downward flow. Inside the Ichimoku cloud (neutral).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🔴

Current diagnosis · 2026-07-27

Bearish momentum holding

MACD -0.007 < Signal 0.287 in negative zone + Hist negative (-0.294). Weakness in progress.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🔴

Current diagnosis · 2026-07-27

Bearish zone

RSI 49.7 (below the neutral level of 50). Selling pressure leads, indicating a weak trend. Stoch %K is also 34.9.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Pricier than peers in its industry

Pricey on Vs. Earnings·Vs. Assets, In line with peers on Vs. Sales

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Pricey

🏢 Vs. Assets Pricey

🧾 Vs. Sales Mid-range

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

22.67x

✓ Pricey

My positionBottom 25%

Low range Average High range

Credit Services median 7.95x · Bottom 11% — expensive within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

2.84x

✓ Pricey

My positionBottom 25%

Low range Average High range

Credit Services median 1.42x · Bottom 25% — expensive within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

1.83x

✓ Fair

My positionMid-range

Low range Average High range

Credit Services median 1.29x · Around the industry average

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

Analyst target price (reference)

$23.35 vs. current price +26.3%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Credit Services

Who owns it?

Ownership flow shows some pressure

Institutional modest net buying +0.5% · Short interest very high 23.0% · Short interest up +4.4pp over last 90d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

0.0%

Insiders little change

🏦 Institutions (funds & investors)

+0.5%

Institutions net buying

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 22.9%

Moderate institutional participation

Financial 중형주 Median 76.4%

🧑‍💼 Insiders 62.1%

Founder/management large holders (strong skin-in-the-game)

Financial 중형주 Median 3.1%

👤 Retail investors (estimated) 15.0%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

23.0%

Very high — strong short-side pressure

Financial 중형주 Median 5.1%

Past 90 days 📈 +4.4%p increase

Short interest days to cover

6.1 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 378.1M주

Float (tradable shares) 143.0M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding KLAR

ETFs with the highest weightings · 10 total shown

FDIG

Fidelity Crypto Industry and Digital Payments ETF

1.49%

$247M

ARKF

ARK Blockchain & Fintech Innovation ETF

First Trust IPOX (R) Europe Equity Opportunities ETF

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
KLAR This Stock	$7.0B	-	2.8 ▼	-8.6% ▼	-	+6.5%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 클라리나 그룹(KLAR)?

클라리나 그룹(KLAR) belongs to the Financial sector and operates in the Credit Services industry.

What is the market cap of KLAR?

The market cap of KLAR is approximately $7.0B, ranking 1,167 within its sector.

What is the 52-week high and low for KLAR?

KLAR has recorded a 52-week high of $57.20 and a low of $12.06.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.