Klarna Investor Presentation Deck
Unique offering delivering accelerating ARPU.
Rapidly growing consumer base...
Total population in 2022 (between 18 and 80 years old)
159M
1.5x
36%
52%
Established markets
251M
6.5x
|
1%
- 9%
US
302M
2019
2022
Klarna market
penetration (%)*
4.9x
|
1%
3%
Rest of world
...with usage accelerating across cohorts... ...driving accelerating ARPU.
Purchases p.a. (by purchasing consumer cohorts)**
10x
5x
0
Average: 10x
Year
2015
2021
2022
1 2 3 4 5 6
7
ARPU p.a. (by purchasing consumer cohorts)**
(SEK)
300
200
100
0
Precautionary Covid
credit tightening
1 2 3
APIE
Year
Average: SEK 238
4 5 6
2015
2021
2022
*Market penetration is based on total Klarna active consumers (excluding consumers via acquisitions) as a % of total population of each region. An active consumer is defined as a consumer who has transacted or logged into the Klarna app in
the last 12 months. ** Excluding Sofort.
7View entire presentation