Klarna (KLAR): FY26 Q1 earnings call, May 14, 2026
On its May 14, 2026 earnings call (FY26 Q1), Klarna said 4 of the 12 words Kalshi listed; Parrot’s count agreed with all 12 settlements. Quotes below are at most 25 words each.
UpdatedMarkets
12 words · 4 settled yes · our count agreed on 12 of 12- Kalshi: company speakers + operator
Kalshi
backtest The probabilities on settled rows are a walk-forward backtest: the model as of before each event, computed after Parrot went live; they were not published at the time.
| Word | Result | Our count | All speakers | Agrees | Probability | Market |
|---|---|---|---|---|---|---|
| Delinquency | Yes | 5 | 5 | ✓ | 63%transcripts from the transcript model | – |
| Credit Quality | Yes | 2 | 2 | ✓ | 48%transcripts from the transcript model | – |
| Tailwind | Yes | 1 | 1 | ✓ | 40%transcripts from the transcript model | – |
| Gemini | Yes | 1 | 2 | ✓ | 20%transcripts from the transcript model | – |
| AI / Artificial Intelligence | No | 0 | 0 | ✓ | 92%transcripts from the transcript model | – |
| Profitability | No | 0 | 0 | ✓ | 84%transcripts from the transcript model | – |
| Investment | No | 0 | 2 | ✓ | 78%transcripts from the transcript model | – |
| Headcount | No | 0 | 0 | ✓ | 71%transcripts from the transcript model | – |
| Headwind | No | 0 | 1 | ✓ | 48%transcripts from the transcript model | – |
| Sweden | No | 0 | 0 | ✓ | 48%transcripts from the transcript model | – |
| Inflation | No | 0 | 0 | ✓ | 40%transcripts from the transcript model | – |
| Coinbase | No | 0 | 0 | ✓ | 20%transcripts from the transcript model | – |
Market prices are mid quotes from Kalshi and Polymarket, shown for context, may be delayed by several minutes and are not a signal. Quotes as of Oct 20, 2026 15:46 UTC.
Transcript
quotes of at most 25 wordsSpeaker-labelled transcript · Source and credits · Used to count words; quotes of at most 25 words.
24 matches for “Card”; 5 quoted, at least 25 words apart.
…markets. We carry three payment products, debit for everyday spend, the charge card equivalent Buy Now, Pay Later for mid-ticket, and point of sale installments,…
…provisions by cohort for both Pay Later and Financing. Third, the Klarna Card crossed 5 million active users globally this quarter. The everyday spend account…
…scaling of fair Financing, our point of sale installment product and our card product. Provision for credit losses was $186 million, or 55 basis points…
…business grew 31% to $26.6 billion. By product, Pay Later, our charge card equivalent, continues to deliver strong global growth, growing 29% and representing 77%…
Higher engagement products like Financing and Klarna Card generate stronger TMD per dollar of GMV as they mature. To the revenue composition and the TMD…
Where the listed words were said
…converging towards the mature markets over time. Turning to credit quality, consumer delinquency rates remain healthy across both product lines. The charts show 2024 and…
…our focus, and it is compounding. Our network is scaling profitably, our credit quality is healthy, and our operating leverage is clear. Accelerating TMD growth…
…the back end of the year. Obviously, as I mentioned earlier, the significantly lower FX tailwind in Q2 versus Q1 because of the U.S. depreciation.
…As you mentioned, this week's Google Pay launch inside search in the Gemini app. I would also highlight, for example, the fact that we are…
Agents: this page as TSV at /api/v1/appearances/klarna:2026-05-14:earnings_call · words: /api/v1/brief?appearance=klarna:2026-05-14:earnings_call · columnar JSON in #parrot-data · llms.txt · MCP