Klarna Group plc 6-K, filed Jul 28, 2026
Klarna Group plc (KLAR)
6-K
2026-07-28
For: 2026-07-28
View Original
Added on
July 28, 2026
About this 6-K
Klarna Group plc filed this 6-K on July 28, 2026.
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 6-K
REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934
For the month of July 2026
Commission File Number: 001-42832
Klarna Group plc
(Translation of Registrant’s Name into English)
10 York Road
London SE1 7ND
United Kingdom
(Address of Principal Executive Office)
Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.
Form 20-F ☒ Form 40-F ☐
Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):
Yes o No x
Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):
Yes o No x
INFORMATION CONTAINED IN THIS REPORT ON FORM 6-K
On July 28, 2026, Klarna Group plc (the "Company") announced that it would serve as the leasing provider for Apple Upgrade, a new hardware leasing program offered by Apple Inc. in the United States. A copy of the Company's press release regarding the announcement is furnished herewith as Exhibit 99.1, a copy of the Company’s note to investors regarding the announcement is furnished herewith as Exhibit 99.2.
The information contained in this report on Form 6-K, including Exhibits 99.1, and 99.2, is intended to be furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, unless expressly set forth by specific reference in such a filing.
EXHIBITS
The following exhibits are attached:
| Exhibit No. | Description | |||||||
| 99.1 | ||||||||
| 99.2 | ||||||||
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
KLARNA GROUP PLC | ||||||||
Date: July 28, 2026 | By: | /s/ Niclas Neglen | ||||||
Name: Niclas Neglen Title: Chief Financial Officer | ||||||||
Klarna to power Apple Upgrade, a new hardware leasing program offered by Apple New York, July 28, 2026 - Klarna, the global digital bank and flexible payments provider, today announced it would be the leasing provider behind the Apple Upgrade program, a new hardware leasing option available from Apple in the United States. Lease Apple hardware for low monthly payments Provided by Klarna, Apple Upgrade offers customers a new way to pay for eligible iPhone, Mac, iPad and Apple Watch. Customers can select from 12- and 24-month leasing options for iPhone and Apple Watch, and 24- and 36-month leasing options for Mac and iPad. In addition, when customers first enroll in Apple Upgrade, they can trade in an existing device to further lower their monthly payments during their initial lease term. The freedom to upgrade, return, or buy When the lease ends, customers choose what suits them: upgrade to the latest model*, purchase their device, or return it. A seamless checkout, and easy to manage payments Apple and Klarna have built an easy and seamless checkout experience which shows customers exactly what customers are agreeing to before they enter into a lease. Upon choosing their preferred device and leasing term customers can apply at Apple Retail, both online, in-store, and Apple Store app. Customers can apply within minutes, and if approved by Klarna, can complete their transaction at Apple Retail and Apple Store as usual. In-store customers can enjoy their new device right away, while online customers can choose delivery or in-store pickup. Customers can see their upcoming payments in the Klarna app and stay on top of their lease from start to finish. The Klarna leasing option is available now on the Apple Store online, in the Apple Store app, and at Apple Store locations in the United States. *Upgrades require entering into a new lease and returning your prior device, and are subject to eligibility and credit approval.
A Message To Investors: The Apple Upgrade Partnership New York, July 28, 2026 Earlier today, Klarna and Apple announced the Apple Upgrade partnership, a new device leasing program available on the Apple Store Online, in the Apple Store app, and at Apple Store locations in the United States. Apple Upgrade builds on Klarna's existing relationship with Apple and is an extension of Klarna’s fair financing strategy. Over the past year, the number of merchants offering fair financing to consumers more than doubled. Consumers apply at Apple and then pay and manage within the Klarna app, creating a direct relationship with new US consumers that supports Klarna’s ability to grow engagement, ARPAC, and profitability. In 1Q26, Klarna grew ARPAC by 10% and active consumers by 21%, as more consumers used more products. We expect the program to positively contribute to Klarna's Adjusted Operating Income in 2026 and across the life of the arrangement. Klarna finances the consumer's purchase and earns a financing return on the scheduled repayments. Klarna carries the financing receivable at fair value on its balance sheet, and retains the option to sell it into future offloading programs. Klarna maintains a strong capital base — in 1Q26, approximately 90% of our balance sheet was deposit-financed — giving us room to keep growing with our merchant network, which rose by 352,000 merchants year over year. In the past month, Klarna has announced a $518 million Significant Risk Transfer, supporting a further $12bn of lending as well as a new $900m forward flow facility. Klarna reports 2Q26 results on August 18, 2026. Forward-looking statements This message contains forward-looking statements, including statements regarding the expected financial contribution of Apple Upgrade to Klarna's Adjusted Operating Income and Klarna's full-year 2026 outlook. Forward-looking statements are based on Klarna's current expectations and assumptions and are subject to risks and uncertainties that could cause actual results to differ materially. Klarna undertakes no obligation to update any forward-looking statement except as required by law. Adjusted Operating Income is a non-IFRS measure; see Klarna's most recent periodic report for a reconciliation to the most directly comparable IFRS measure.