Stock Ratings / Financials / KLAR / options

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Klarna Group plc (KLAR) Options Positioning, Max Pain & Unusual Sweeps

$13.30 -2.56% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.21

Klarna Group plc (KLAR) carries a Roarable Rating of D+ (Sell) with 54/100 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.

📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $9.63B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on KLAR Below — or Connect Your Own ChatGPT / Claude

🤖 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 2026-11-02, Klarna Group plc (NYSE: KLAR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $13.30 (-2.56% 1D, market cap $9.63B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, KLAR ranks #578 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+ (54/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, IREN (IREN Limited) holds a E grade (34/100 RQD, P/E 122.1x, ROIC 1.2%, cap $10.62B) and CHYM (Chime Financial Inc.) posts a D- grade (42/100 RQD, P/E N/A, ROIC -35.0%, cap $10.93B). 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 #578 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: $13.21 (-0.65%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 5.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

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+

Each axis scored 0–20

12M PRICE TARGET CONE-1.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for KLAR)Realized 20D OHLCV Swing Band: ±8.1%

Deterministic 5-Pillar Attribution (54/100 Composite)

🔍 WHY KLAR SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (28% 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 (22% of score)

SEC XBRL Trailing 12 Months: 5.3% FCF Margin ($212.9M FCF) & 52% Gross Margin

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

Macro rate sensitivity & RSI-14 (54) create a -14 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$13.38-1.7% Next Q

Q2 (-2Q)

Grade C$13.15-3.5% Next Q

Q3 (-1Q)

Grade C$12.69+4.8% Next Q

Current

Grade D+$13.30-0.7% Hist 90D α

Trajectory: C+ (62) → D+ (54)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 54/100 (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 ($13.50) and Max Pain ($13.97) 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 54%NO 46%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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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

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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KLAR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -10.62%▼ DESCENDING CHANNEL

2026-11-02O $13.16H $13.65L $13.16C $13.30VOL 9.02M

RES: $19.00SUP: $10.82SMA50: $13.50SMA200: $16.20

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #578 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, Klarna Group plc (KLAR) ranks #578 by composite RQD confidence (54/100, grade D+) and #193 by equity capitalization ($9.63B). 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 54/100 (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+	54/100	32.8x	—	9.9%	-2.56%	$9.63B	Benchmark Subject
IREN IREN Limited	E	34/100	122.1x	—	1.2%	-8.76%	$10.62B	/iren-vs-klar →
CHYM Chime Financial Inc.	D-	42/100	—	—	-35.0%	-3.19%	$10.93B	/chym-vs-klar →
HUT Hut 8 Corp.	E	29/100	—	—	-13.9%	-10.60%	$8.19B	/hut-vs-klar →
BMNR BitMine Immersion Technologies Inc.	D	45/100	37.5x	—	3.4%	-6.83%	$13.07B	/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 $9.63B, 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?

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

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

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

KLAR last traded at $13.30 (-2.56% on volume of 5,815,319 shares), positioning the stock -1.48% below its 50-day simple moving average ($13.50) and -17.90% below its 200-day simple moving average ($16.20). Across its 52-week range of $12.06 to $38.19, KLAR sits at the 4.7% percentile with a 14-day RSI of 54.0 (NEUTRAL RANGE) and an implied next-earnings move of ±8.1% ($12.22 to $14.38).

KLAR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is KLAR's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for KLAR.

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 54/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T14:10:28Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, KLAR carries an RQD Score of 54, a letter grade of D+, and the verdict "Roarable Sell — Weak Fundamentals / Trim." The five pillars are:

Fundamental Cash Engine: 12 / 20. Per the RQD rating, this pillar reflects ROIC of 9.9% and an FCF yield of 2.21%. Both figures are modest, which limits the cash-generation case for paying a premium multiple.
Whale 13F Flow: 9 / 20. Per the RQD rating, this pillar reflects institutional accumulation and options positioning. The source data provides only the score, not the underlying 13F or options detail.
Insider Conviction: 12 / 20. Per the RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow. The score is mid-range; the underlying transactions are not itemized in the source data.
Macro Regime Fit: 6 / 20. Per the RQD rating, this is the weakest pillar, reflecting a beta of 0.92 and sector sensitivity. A low score here suggests the stock's behavior may not align well with the prevailing macro regime.
Forensic Balance Sheet: 15 / 20. Per the RQD rating, this is the strongest pillar, reflecting an Altman Z-Score of 2.5, a Piotroski F-Score of 7/9, and a Debt/Equity ratio of 0.5.

For a prospective investor, the practical reading is that the balance sheet appears comparatively sound, but cash returns, macro fit, and institutional flow do not offer strong support at the current valuation. The per-pillar scores sum to the RQD total of 54. Per the market data, the trailing P/E of 32.8 and EV/EBITDA of 21 are elevated relative to the modest ROIC and FCF yield, which is the core valuation tradeoff. Upside would depend on improvement in cash returns or a shift in flow and macro conditions; the source data does not quantify either. This is an analytical framing, not personalized advice.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
13.65	$9.63B	32.8	30.5	21	0.42	0%	0.92	$12.06 - $38.19	9.9%

Business

Klarna Group plc (KLAR) is listed on the NYSE and classified under the Financials sector, Finance: Consumer Services industry, per the profile. The company carries a market capitalization of $9.6B per the profile. The source data does not describe its products, customers, or revenue model.

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts section, six headlines were tagged to KLAR, all with a YELLOW light and MARKET WIRE impact label:

Motley Fool: an explainer on buying KLAR after its IPO.
Seeking Alpha: a piece titled around a "reset of expectations."
Yahoo Finance: a report that Affirm and Klarna rose about 5% in a group rally.
Stocktwits: a report on a rebound after an "earnings shock," with analysts split.
MarketBeat: a report that the stock moved up to Hold by Wall Street Zen.
Simply Wall St: a stock forecast and analyst predictions piece.

Risk watch items per these headlines include the referenced earnings shock and the analyst split. The butterfly supply-chain graph reports no supply chain links and no proprietary signals.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals. 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.

Open Questions

What are the reported revenue, operating income, net income, and free cash flow across recent periods, and what is the trend direction?
What is the underlying composition of the 13F institutional flow and options positioning behind the Whale pillar score of 9?
What is the nature of the "earnings shock" referenced in the news, and what drove it?
What analyst consensus rating and price targets exist, given that analyst data is unavailable?
What do Klarna's products, customers, and revenue model consist of, given the business description is absent?

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) ↓

🟡 MARKET WIRE The Motley Fool • 9h ago

How to Buy Klarna Stock (KLAR) After the IPO

The Motley Fool report covering Klarna Group plc (KLAR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 12h ago

Klarna Group: A Reset Of Expectations, Getting Interesting (NYSE:KLAR)

Seeking Alpha report covering Klarna Group plc (KLAR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 15h ago

Affirm Climbs 5% as Buy Now Pay Later Group Rallies Together; Klarna Rises 5%, PayPal Ticks Up

Yahoo Finance report covering Klarna Group plc (KLAR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stocktwits • 18h ago

KLAR Stock Rebounds After Earnings Shock: Analysts Split, Retail Believes Dead Cat Bounce Likely Next

Stocktwits report covering Klarna Group plc (KLAR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 21h ago

Klarna Group (NYSE:KLAR) Stock Moved Up to Hold by Wall Street Zen

MarketBeat report covering Klarna Group plc (KLAR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Klarna Group (NYSE:KLAR) Stock Forecast & Analyst Predictions

Simply Wall St report covering Klarna Group plc (KLAR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Motley Fool • 1d ago

Klarna's 2026 Outlook: Business Expansion Targets Sustainable Profitability

The Motley Fool report covering Klarna Group plc (KLAR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Startup Fortune • 1d ago

Klarna's Stock Craters as Germany Weakness Forces a Guidance Cut

Startup Fortune report covering Klarna Group plc (KLAR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

KLAR Bull vs. Bear Conversation Board — What's Your Call at $13.30?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON KLAR 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $14.74 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is KLAR (D+ • RQD 54/100) a Buy at $13.65?

Welcome to the KLAR (Klarna Group plc) Roar Pit. Current RQD Composite is 54/100 (Roarable Sell — Weak Fundamentals / Trim) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (32.8x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $11.06 (-19.0%)

Spot @ $13.65

Pump the brakes on KLAR — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on KLAR, but look at what you are paying: 32.8x trailing P/E with tightening sector spreads. Unless Klarna Group plc expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $16.65 (+22.0%)

Spot @ $13.65

KLAR cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on KLAR, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $13.65 (52-wk range $12.06 - $38.19), any beat on forward guidance forces shorts and underweight funds to chase.