KLAR Chief ExecutiveWhat Sebastian Siemiatkowski says in public, and what their own SEC filings show they own.
Co-Founder, CEO & Director · Klarna Group plc
Co-founded Klarna in Stockholm in 2005 as a Stockholm School of Economics student and has run it through a banking licence, a $45.6bn private mark, an 85% markdown and a New York listing. Best known for pushing Klarna from buy-now-pay-later into a credit-card challenger, and for an AI rollout that cut headcount from roughly 6,000 to 3,000 before he publicly reversed part of it.
Siemiatkowski owns 7.5% of Klarna Group plc, worth $353.8M at the last close.
Nobody has researched this person's career yet, so founder and track record are left out of the score and of the total above.
Score = stake band (35) + founder (15) + tenure (10) + track record (15) + 12-month direction (−10…15) + filing discipline (10). An axis we have not researched is left out of the score and of the total it is shown over. Every input links to a filing or to our own research; the bands are ours.
Dots mark the months the activity below moved the line. Hover one for that month's net move, how many movements it folds and the largest.
| Security | Held via | Shares |
|---|---|---|
| Klarna Group plc Ordinary Shares | Flat Capital AB (publ) | 25,344,322 |
| Reported as of 2026-08-26 | 25,344,322 | |
The 13G cover page counts 28.6M shares — 3.2M more than the Forms 4 report, usually options exercisable within 60 days or shares held through a vehicle the person controls but does not file for. Never add them together.
| Date | Type | What happened | Shares | Price | Value | Note |
|---|---|---|---|---|---|---|
| Aug 26, 2026 filing: Buy, Open-market purchase · Klarna Group plc Ordinary Shares | Buy | Open-market purchase · Klarna Group plc Ordinary Shares | +692,506 | $14.37 | $9.9M | Through Flat Capital AB (publ) · no 10b5-1 plan |
| Company | Role | Reported | Beneficial | % of class |
|---|---|---|---|---|
| KLAR Klarna Group plc This page | Chief Executive Officer | 25M 2026-08-26 |
29M | 7.5% |
| KLAR: 3,211,190 shares on the Section 16 filings are additional to the SCHEDULE 13G figure — read the cover page for why. | ||||
Reported is every lot on the person's own Forms 3, 4 and 5 — direct and through trusts. Beneficial is the figure stated on the latest Schedule 13D/G cover page, which can exclude shares the person disclaims and include options exercisable within 60 days, so the two are never added together.
5 filings under CIK 0002097107 · captured 2026-09-05 · All filings on EDGAR ↗
10 recorded appearances
Swedish studio interview the day of the Q3 guidance cut: he puts the shortfall on markets outside the US and insists US growth is still very strong.
Watch or read: Klarna sänker prognos: 'USA växer väldigt starkt', Aug 18, 2026 →Argues brand preference survives agentic shopping — "if you have preference, it doesn't matter that much how many buttons are in the checkout" — and revisits what he now concedes was overstated about the AI customer-service experiment.
Watch or read: Klarna's Sebastian Siemiatkowski on Agentic Commerce, Credit Cards, & Financing Everything, Jun 9, 2026 →Short on-floor interview framing Klarna's shift from buy-now-pay-later into a broader banking and commerce product.
Watch or read: Klarna CEO Sebastian Siemiatkowski Talks Company Evolution at Money2020 Europe, Jun 4, 2026 →His thesis is that falling switching costs, not AI features, are what kill SaaS systems of record. Says Klarna went from roughly 6,000 people to 3,000, that customer-service AI has to be built rather than bought, and calls passing on Nubank a billion-dollar personal miss.
Watch or read: Klarna CEO: SaaS is Dead: Why Systems of Record Will Die in an Agentic World, Feb 16, 2026 →Concedes the AI push went too far — "I had to pay a lot for saying that. People were very angry with me" — and describes the correction: AI supporting humans as VIP treatment, including hiring Klarna's own customers as remote part-time contractors.
Watch or read: From the frontier: Lessons from Klarna's ambitious AI rollout, Feb 11, 2026 →Argues buy-now-pay-later is safer than revolving credit on interest, loss rates and real-time underwriting, and backs proposed credit-card rate caps.
Watch or read: Siemiatkowski: Credit cards lure customers into high debt traps, Jan 12, 2026 →Solo conference keynote on the AI rebuild and Klarna's positioning against the card networks in European retail.
Watch or read: TFR2025 - Keynote Klarna, Sebastian Siemiatkowski, Co-founder & CEO, Dec 8, 2025 →IPO-week sit-down: the Walmart and IKEA fixation as his operating model, his own unofficial use of Cursor to write code, and why he reversed his position on stablecoins.
Watch or read: Klarna CEO Sebastian Siemiatkowski On IKEA, Vibe Coding, Stablecoins And Visiting Sam Walton's Grave, Sep 12, 2025 →Recorded at the NYSE: says Klarna was burning about $100m a month and swung to $1-2m of monthly profit within two years, and frames the company as an attack on the $1.2tn US credit-card market rather than a BNPL business.
Watch or read: Inside Klarna's IPO CEO Sebastian Siemiatkowski, Sep 12, 2025 →Traces the Walmart obsession back to his family's arrival in Sweden, insists the model is broader than BNPL, and describes AI moving financial services toward customer-controlled advice.
Watch or read: Klarna CEO Sebastian Siemiatkowski on the IPO, Loving Walmart, and Embracing AI, Sep 11, 2025 →
