$KLAR: Klarna Stock Volatile After Earnings: Buy the Dip or Stay Away? скачать в хорошем качестве

$KLAR: Klarna Stock Volatile After Earnings: Buy the Dip or Stay Away?

Klarna is back in the spotlight following a headline-grabbing earnings report that delivered both momentum and mixed signals—triggering sharp post-earnings volatility and a heated debate across the investing community. On the bullish side, the company posted its **first-ever billion-dollar quarter**, with Q4 revenue surging **38% year-over-year to $1.082 billion**, comfortably ahead of expectations. Growth was fueled largely by accelerating traction in the U.S., where Klarna continues to expand merchant partnerships and deepen consumer adoption. Gross Merchandise Volume (GMV) reached **$38.7 billion**, beating internal guidance and reinforcing the narrative that demand for flexible payment solutions remains strong despite macro headwinds. Beyond BNPL, Klarna is increasingly positioning itself as a broader **digital banking platform**. Banking users doubled to **15.8 million**, highlighting the company’s push into deposits, cards, and financial management tools. Management emphasized improved underwriting discipline and noted that **credit loss provisions declined sequentially**, suggesting that recent tightening measures are starting to show results. However, not everything in the report landed cleanly. Despite revenue strength, Klarna posted a **wider-than-expected net loss of $47 million, or $0.12 per share**. While losses have narrowed significantly from prior years, profitability remains elusive—keeping critics focused on structural concerns surrounding the Buy Now, Pay Later (BNPL) model. Skeptics argue that the business remains highly sensitive to consumer credit conditions, funding costs, and regulatory scrutiny. Adding to the uncertainty, the company issued **softer-than-expected Q1 revenue guidance of $900 million to $980 million**, implying a sequential slowdown after a strong holiday quarter. That guidance tempered enthusiasm and contributed to the stock’s sharp swings. The earnings reaction has split the community: *Bulls* see a company scaling rapidly in the U.S., expanding into digital banking, improving credit performance, and potentially approaching an inflection point. To them, the post-earnings pullback looks like an oversold opportunity. *Bears* point to persistent losses, litigation risk tied to an ongoing securities lawsuit, and fundamental questions about long-term BNPL profitability in a higher-rate environment. In short, Klarna’s quarter reinforces its growth story—but also highlights the balancing act between scaling fast and achieving sustainable profitability. That tension is exactly why the stock is seeing heightened volatility and why sentiment remains sharply divided. Join this channel to get access to perks:    / @equity4keeps   Consider Supporting this Channel via PayPal: https://www.paypal.com/donate/?hosted...