Klarna (KLAR -3.57%) finally completed its long-awaited initial public offering (IPO) on Sept. 10, 2025. The fintech company priced its IPO at $40 per share, raising $1.4 billion and giving it a $15 billion valuation. Shares began trading even higher, opening at $52, which signaled strong investor demand.
Klarna has become one of the most recognizable names in the buy now, pay later (BNPL) space and is helping drive a shift away from traditional credit cards. The company is also investing heavily in artificial intelligence (AI) to reshape how consumers shop, pay, and manage spending.
Now that the IPO is live and shares are publicly available, many investors are curious: Should they buy in early, wait for volatility to settle, or skip the stock entirely?
Here’s how to invest in Klarna today, and what to consider before buying.
How to buy Klarna stock
Now that it's a publicly traded company, anyone can buy shares of Klarna in their brokerage account. Here's a step-by-step guide on how to buy Klarna:
- Open your brokerage account: Log in to your brokerage account where you handle your investments. If you don't have one yet, choose one of our top brokerage account picks and open one in minutes.
- Fund your account: Transfer money so you’re ready to invest.
- Search for Klarna: Enter the ticker symbol "KLAR" into the search bar to bring up the stock's trading page.
- Decide how many shares to buy: Consider your investment goals and how much of your portfolio you want to allocate to this stock.
- Select order type: Choose between a market order to buy at the current price or a limit order to specify the maximum price you're willing to pay.
- Submit your order: Confirm the details and submit your buy order.
- Review your purchase: Check your portfolio to ensure your order was filled as expected and adjust your investment strategy accordingly.
What does Klarna do?
Klarna is a financial technology company built around buy now, pay later (BNPL) lending -- a payment model where shoppers spread out purchases over time instead of paying the full amount upfront.
The company’s platform sits between shoppers and retailers, allowing consumers to check out instantly and pay in installments, while merchants get paid upfront. Klarna also uses AI-powered tools to help customers manage spending, receive personalized shopping recommendations, and streamline payments.
Beyond payments, Klarna has evolved into a broader shopping and retail banking ecosystem. Its network now includes:
- 111 million customers
- More than 790,000 merchant partners
- Retail coverage across 26 countries
- $112 billion in annual purchase volume processed
By combining BNPL lending, AI-driven personalization, and a global partner network, Klarna is positioning itself as a next-generation alternative to traditional credit cards and consumer banking.
Should you invest in Klarna?
Here are some reasons why you might want to buy shares of Klarna:
- You're a fan of the company and use its services.
- You think it can disrupt the credit card and financial services industries.
- You think Klarna can continue growing its revenue briskly and eventually start producing sustainable profits.
- You believe Klarna can keep its competitors at bay.
- You prefer to invest in founder-led companies.
- You're excited that Klarna is embracing artificial intelligence to enhance its products.
On the other hand, here are some reasons why Klarna might not be the right choice for your portfolio:
- You don't use BNPL products.
- You prefer one of Klarna's competitors.
- You're concerned about there being too much competition in the BNPL space.
- You're worried that a recession could significantly affect Klarna's growth and profitability.
- You're not sure Klarna can become consistently profitable.
NYSE: KLAR
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The bottom line on Klarna
Klarna aims to revolutionize the retail banking sector. It offers customers BNPL options as an alternative to credit cards and is an early adopter of AI to improve its offerings. It's growing fast and is on the cusp of sustainable profitability. These features make it one of the more exciting financial technology companies.
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