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Klarna

Global digital bank and flexible payments provider: buy now pay later, the Klarna Card, savings, memberships and merchant payments, with about 120 million active consumers. Headquarters: London, United Kingdom (principal executive offices, 10 York Road, per its Form 6-K); founded in Stockholm, Sweden. Ticker: NYSE: KLAR.

30 passages, 1 people quoted. Topics: Does AI raise revenue per employee?, Does AI change headcount and hiring?, How much customer support does AI resolve?, What does AI cost organizations?, How do organizations measure AI's impact?, Does AI make developers more productive?, How widely do employees use AI?, How is AI used in finance, legal and operations?, How is AI used in sales and marketing?, What does AI do across the whole company?, How is AI used in code review?.

Revenue per employee reached nearly $1.4 million, four times the 2022 level

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), furnished on Form 6-K, SEC filing (the company's own regulatory report), furnished on Form 6-K, May 14, 2026.

$1.4 million revenue per employee, Q1 2026 (stated at release)

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

850 full-time agents

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

850 people equivalent headcount, 2025 workload. Level not stated

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

Our AI assistant has handled 80% of customer service chats in the year ended December 31, 2025 (according to our service chat log data)

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), furnished on Form 6-K, SEC filing (the company's own regulatory report), furnished on Form 6-K, February 26, 2026.

80% support ai resolution share, year ended 2025-12-31. Level not stated

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

Our average annual revenue per employee at period end has increased from approximately $344,000 in 2022 to approximately $1,240,000 in the year ended December 31, 2025.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

$344,000 revenue per employee, FY2022

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

Since launch, our AI assistant has had 31 million conversations, handling 80% of customer service chats in the year ended December 31, 2025

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

31 million support ai volume, cumulative since launch (February 2024), to 2025-12-31. Level not stated

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

Revenue per employee reached $1.24 million, up 3.6 times since 2022 as headcount declined 49%

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 19, 2026.

$1.2 million revenue per employee, year ended 2025-12-31 (stated at Q4 2025 release)
-49% employees change, since 2022

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

our AI assistant has had 25.3 million conversations, solving 69% of customer service chats in the last twelve months ended June 30, 2025

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), September 8, 2025.

25.3 million support ai volume, cumulative since launch, to 2025-06-30. Level not stated

Checked against the source [ Grade A ] One to two years old Klarna: $3.5 billion revenue, FY2025 Passage page

Our AI assistant handled 69% of customer service chats in the last twelve months ended June 30, 2025, according to our service chat log data

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), September 8, 2025.

69% support ai resolution share, last twelve months ended 2025-06-30. Level not stated

Checked against the source [ Grade A ] One to two years old Klarna: $3.5 billion revenue, FY2025 Passage page

Our average annual revenue per employee at period end has increased from approximately $344,000 in 2022 to approximately $972,000 in the last twelve months ended June 30, 2025.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), September 8, 2025.

$972,000 revenue per employee, last twelve months ended 2025-06-30

Checked against the source [ Grade A ] One to two years old Klarna: $3.5 billion revenue, FY2025 Passage page

We estimate that our AI assistant does the equivalent work of over 700 full-time agents

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), September 8, 2025.

700 people equivalent headcount, 2024 workload. Level not stated

Checked against the source [ Grade A ] One to two years old Klarna: $3.5 billion revenue, FY2025 Passage page

supported by AI-enabled productivity gains and continued cost discipline.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), furnished on Form 6-K, SEC filing (the company's own regulatory report), furnished on Form 6-K, August 18, 2026.

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

Employee engagement is measured through Amplifier, Klarna's AI-powered engagement survey.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), furnished on Form 6-K, SEC filing (the company's own regulatory report), furnished on Form 6-K, May 27, 2026.

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

This is supported by AI-enabled productivity gains and continued cost discipline across the business.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), furnished on Form 6-K, SEC filing (the company's own regulatory report), furnished on Form 6-K, May 14, 2026.

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

in 2025 delivered approximately $59 million

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

We also reduced or canceled contracts with over 1,700 suppliers following our AI adoption and standardization

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

We decreased spending on external marketing suppliers, such as translation, production, CRM and social agencies, by $7 million in the first quarter of 2024 (as compared to the first quarter of 2023) and we attribute 37% of this decrease to the use of AI

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

our engineers use an AI-assisted case log classification tool that organizes documents and categorizes over one million monthly chat conversations.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

At the same time, appreciating that certain consumers may nevertheless prefer to interact with human representatives, we continue to offer all of our customers that option.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

While we continue to utilize well-established ML techniques in our underwriting processes, we do not use generative AI for credit underwriting.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

Our AI assistant handled 69% of customer service chats in the last twelve months ended June 30, 2025

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), September 8, 2025.

Checked against the source [ Grade A ] One to two years old Klarna: $3.5 billion revenue, FY2025 Passage page

As of June 2025, 80% of our engineers and data scientists connected to their work software an AI copilot that can create and review code

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), September 8, 2025.

Checked against the source [ Grade A ] One to two years old Klarna: $3.5 billion revenue, FY2025 Passage page

Our legal teams use AI to expedite document review.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), September 8, 2025.

Checked against the source [ Grade A ] One to two years old Klarna: $3.5 billion revenue, FY2025 Passage page

we operate an internal knowledge chatbot, which we call Kiki, that helps employees find information in real time across internal systems.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), September 8, 2025.

Checked against the source [ Grade A ] One to two years old Klarna: $3.5 billion revenue, FY2025 Passage page

Klarna has built an AI-powered copywriting tool, Copy Assistant, which allows the company to use AI for 80% of all copywriting.

KlarnaPublished by the organization itself (post), no named author

Post: Klarna press releases, Klarna press releases, May 28, 2024.

80% function agent share, as of 2024-05-28. Level not stated

Checked against the source [ Grade B ] Over two years old Klarna: $3.5 billion revenue, FY2025 Passage page

Generated over 1,000 images in the first three months of 2024 using genAI, reducing the image development cycle from 6 weeks to just 7 days.

KlarnaPublished by the organization itself (post), no named author

Post: Klarna press releases, Klarna press releases, May 28, 2024.

Checked against the source [ Grade B ] Over two years old Klarna: $3.5 billion revenue, FY2025 Passage page

9 out of 10 Klarna employees (87%) now harness the power of Generative AI in their daily work.

KlarnaPublished by the organization itself (post), no named author

Post: Klarna press releases, Klarna press releases, May 14, 2024.

Checked against the source [ Grade B ] Over two years old Klarna: $3.5 billion revenue, FY2025 Passage page

Klarna's lawyers are using ChatGPT Enterprise to create the first draft of common types of contract, massively reducing the time it takes to draw up a contract.

KlarnaPublished by the organization itself (post), no named author

Post: Klarna press releases, Klarna press releases, May 14, 2024.

Checked against the source [ Grade B ] Over two years old Klarna: $3.5 billion revenue, FY2025 Passage page

We ask them if they want to work part-time in customer service

Sebastian SiemiatkowskiChief Executive Officer and co-founder · Executive

Interview: CX Foundation (specialist customer-experience media and analyst site), CX Foundation (specialist customer-experience media and analyst site), February 17, 2026. Reported by Charlie Mitchell.

Checked against the source [ Grade C ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

We need to rethink this and make customer service a human experience. Everyone who wants a human connection should get it.

Sebastian SiemiatkowskiChief Executive Officer and co-founder · Executive

Interview: CX Foundation (specialist customer-experience media and analyst site), CX Foundation (specialist customer-experience media and analyst site), February 17, 2026. Reported by Charlie Mitchell.

Checked against the source [ Grade C ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

The reason for that is because I’ve seen the acceleration of AI, and I know we can ship all these things on the existing organization,

Sebastian SiemiatkowskiChief Executive Officer and co-founder · Executive

Interview: Fortune (business magazine), Fortune (business magazine), February 17, 2026. Reported by Jacqueline Munis.

Checked against the source [ Grade C ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

Size and results

From the organization's filings and statements, for comparing it with its own past. Not compared with other organizations. Each figure links to its source; expand a row for the exact words.

Measure	Period	Value	Source
Customers	past 12 months to 2026-06-30	120 million	Klarna press releases (grade B) Exact words “Active consumers: 120 million (+8% YoY)” Context only.
Employees	as of 2025-12-31	2,831 people	SEC filing (the company's own regulatory report) (grade A) Exact words “As of December 31, 2025, 2024, and 2023, we had approximately 2,831, 3,422, and 4,352 full-time employees, respectively.” The 6-K annual report (2026-05-27) says 'As at 31 December 2025, the Group employed a total of 3,149 individuals (including 354 consultants)' and 'Excluding consultants, the Group had 2,831 employees (2024: 3,422)'. Filing attributes the reduction to 'leveraging AI in our business'. No 2026 headcount found in the Q1 or Q2 2026 releases. Read from an Internet Archive copy of the filing (the sec.gov page is too large for the fetch tool); the 20-F text splits some words across page fragments.
Employees	as of 2025-06-30	3,098 people	SEC filing (the company's own regulatory report) (grade A) Exact words “As of June 30, 2025, December 31, 2024, 2023 and 2022, we had approximately 3,098, 3,422, 4,352 and 5,527 full-time employees, respectively.” Filing quote lists four dates; also gives 3,422 (2024-12-31) and 5,527 (2022-12-31).
Employees	as of 2024-12-31	3,422 people	SEC filing (the company's own regulatory report) (grade A) Exact words “As of June 30, 2025, December 31, 2024, 2023 and 2022, we had approximately 3,098, 3,422, 4,352 and 5,527 full-time employees, respectively.”
Employees	as of 2023-12-31	4,352 people	SEC filing (the company's own regulatory report) (grade A) Exact words “As of December 31, 2025, 2024, and 2023, we had approximately 2,831, 3,422, and 4,352 full-time employees, respectively.” Same sentence as the 2025 row. Read from an Internet Archive copy of the filing (the sec.gov page is too large for the fetch tool); the 20-F text splits some words across page fragments.
Employees	as of 2022-12-31	5,527 people	SEC filing (the company's own regulatory report) (grade A) Exact words “As of June 30, 2025, December 31, 2024, 2023 and 2022, we had approximately 3,098, 3,422, 4,352 and 5,527 full-time employees, respectively.” Filing attributes the reduction to 'leveraging AI in our business'.
Engineers	as of 2025-12-31	1,500 people	SEC filing (the company's own regulatory report) (grade A) Exact words “As of December 31, 2025, over 1,500 of our positions, or approximately 53% of our entire organization, were engineering and data science positions.” 'Over 1,500' positions, engineering and data science combined (not engineers alone). Read from an Internet Archive copy of the filing (the sec.gov page is too large for the fetch tool); the 20-F text splits some words across page fragments.
Operating income	Q2 2026	$27 million	Klarna Group plc (Q2 2026 results release) (grade B) Exact words “Operating income (loss) 27 (46)” Q2 2026 results release, supplemental reconciliation table; columns Q2'26 then Q2'25, amounts in USD millions, converted; parentheses are a loss. IFRS "Operating income (loss)", not adjusted operating income ($91M and $29M).
Operating income	Q2 2025	$-46 million	Klarna Group plc (Q2 2026 results release) (grade B) Exact words “Operating income (loss) 27 (46)” Q2 2026 results release, supplemental reconciliation table; columns Q2'26 then Q2'25, amounts in USD millions, converted; parentheses are a loss. IFRS "Operating income (loss)", not adjusted operating income ($91M and $29M).
Operating income	FY2025	$-230 million	SEC filing (the company's own regulatory report) (grade A) Exact words “Operating loss .................................................................................................... (230) (121) (323)” Consolidated statement of profit or loss in the FY2025 20-F; columns 2025, 2024, 2023, USD millions, converted; parentheses are a loss. IFRS figure, not adjusted. Re-sourced 2026-10-24 from the unaudited Q4 2025 release, which gives the same figures.
Operating income	FY2024	$-121 million	SEC filing (the company's own regulatory report) (grade A) Exact words “Operating loss .................................................................................................... (230) (121) (323)” Consolidated statement of profit or loss in the FY2025 20-F; columns 2025, 2024, 2023, USD millions, converted; parentheses are a loss. IFRS figure, not adjusted. Re-sourced 2026-10-24 from the unaudited Q4 2025 release, which gives the same figures.
Operating income	FY2023	$-323 million	SEC filing (the company's own regulatory report) (grade A) Exact words “Operating loss .................................................................................................... (230) (121) (323)” Consolidated statement of profit or loss in the FY2025 20-F; columns 2025, 2024, 2023, USD millions, converted; parentheses are a loss. IFRS figure, not adjusted. Re-sourced 2026-10-24 from the unaudited Q4 2025 release, which gives the same figures.
Operating income	FY2022	$-980 million	SEC filing (the company's own regulatory report) (grade A) Exact words “Operating loss $ (46) $ (4) $ (136) $ (32) $ (121) $ (323) $ (980)” Summary data table in the F-1/A; columns Q2'25, Q2'24, H1'25, H1'24, FY2024, FY2023, FY2022. USD millions, converted; parentheses are a loss. IFRS "Operating loss" (the filing's label), not the adjusted figure.
Revenue	Q2 2026 (quarter, not annual)	$1 billion	Klarna press releases (grade B) Exact words “GMV reached $36.6 billion (+18% YoY), revenue $1.042 billion (+27% YoY),” Quarterly, so not comparable with annual rows. FY2025 annual revenue is the separate row from the 20-F (3,509 USD millions).
Revenue	Q2 2025	$823 million	SEC filing (the company's own regulatory report) (grade A) Exact words “Total revenue $ 823 $ 682 $ 1,524 $ 1,325 $ 2,811 $ 2,276 $ 1,904” Summary data table in the F-1/A; columns Q2'25, Q2'24, H1'25, H1'24, FY2024, FY2023, FY2022. USD millions, converted; parentheses are a loss. Quarterly: Q2'25 is the first column.
Revenue	FY2025	$3.5 billion	SEC filing (the company's own regulatory report) (grade A) Exact words “For the Year Ended December 31, 2025 2024 2023 Total revenue $ 3,509 $ 2,811 $ 2,276” Table columns are 2025, 2024, 2023. Read from an Internet Archive copy of the filing (the sec.gov page is too large for the fetch tool); the 20-F text splits some words across page fragments.
Revenue	FY2024	$2.8 billion	SEC filing (the company's own regulatory report) (grade A) Exact words “Total revenue $ 823 $ 682 $ 1,524 $ 1,325 $ 2,811 $ 2,276 $ 1,904” Table columns: Q2'25, Q2'24, H1'25, H1'24, FY2024, FY2023, FY2022. FY2024 = 2,811 by column order.
Revenue	FY2023	$2.3 billion	SEC filing (the company's own regulatory report) (grade A) Exact words “For the Year Ended December 31, 2025 2024 2023 Total revenue $ 3,509 $ 2,811 $ 2,276” Same table as the FY2025 row. Read from an Internet Archive copy of the filing (the sec.gov page is too large for the fetch tool); the 20-F text splits some words across page fragments.
Revenue	FY2022	$1.9 billion	SEC filing (the company's own regulatory report) (grade A) Exact words “Total revenue $ 823 $ 682 $ 1,524 $ 1,325 $ 2,811 $ 2,276 $ 1,904” Table columns: Q2'25, Q2'24, H1'25, H1'24, FY2024, FY2023, FY2022. FY2022 = 1,904 by column order (same quote as the FY2024 row).
Revenue change	Q4 2022 to Q4 2025	104%	SEC filing (the company's own regulatory report) (grade A) Exact words “Since Q4 2022, revenue has grown 104% while operating expenses declined 8%.” Klarna frames this as 'AI-enabled productivity'. Operating expenses declined 8% over the same span (no metric key for opex). The company credits AI; the numbers moving together do not prove cause.