Klarna (KLAR)
As of Oct 24, 2026, Kalshi and Polymarket have settled 42 word markets on Klarna’s earnings calls since 2026, on 24 different words. Next call: Nov 17, 2026 (16 words listed).
Next: Earnings call ·
16 words listed · Occasion page
Who counts: Kalshi: company speakers + operator
Kalshi| Word | Q3’25year ago | Q4’25Feb '26 | Q1’26May '26 | Q2’26last call | Trend | Last 4 | Scripted | All-time | Probability | Market |
|---|---|---|---|---|---|---|---|---|---|---|
| Delinquency | 0 times: Delinquency, Q3’25 Nov '25 | 3 times: Delinquency, Q4’25 Feb '26, counts as said | 5 times: Delinquency, Q1’26 May '26, counts as said | 4 times: Delinquency, Q2’26 Aug '26, counts as said | rising | 3/475% | 2/450% | 3/475% | 82%n=2+tx from settlement history blended with transcripts | 52¢ Kalshi |
| Walmart | 0 times: Walmart, Q3’25 Nov '25 | 5 times: Walmart, Q4’25 Feb '26, counts as said | 2 times: Walmart, Q1’26 May '26, counts as said | 1 time: Walmart, Q2’26 Aug '26, counts as said | steady | 3/475% | 1/425% | 3/475% | 76%n=1+tx from settlement history blended with transcripts | 46¢ Kalshi |
| Profitability | 6 times: Profitability, Q3’25 Nov '25, counts as said | 3 times: Profitability, Q4’25 Feb '26, counts as said | 0 times: Profitability, Q1’26 May '26 | 1 time: Profitability, Q2’26 Aug '26, counts as said | falling | 3/475% | 3/475% | 3/475% | 74%n=2+tx from settlement history blended with transcripts | 46¢ Kalshi |
| Tailwind | 1 time: Tailwind, Q3’25 Nov '25, counts as said | 0 times: Tailwind, Q4’25 Feb '26 | 1 time: Tailwind, Q1’26 May '26, counts as said | 1 time: Tailwind, Q2’26 Aug '26, counts as said | rising | 3/475% | 1/425% | 3/475% | 66%n=2+tx from settlement history blended with transcripts | 46¢ Kalshi |
| AI / Artificial Intelligence | 19 times: AI / Artificial Intelligence, Q3’25 Nov '25, counts as said | 3 times: AI / Artificial Intelligence, Q4’25 Feb '26, counts as said | 0 times: AI / Artificial Intelligence, Q1’26 May '26 | 0 times: AI / Artificial Intelligence, Q2’26 Aug '26 | falling | 2/450% | 1/425% | 2/450% | 65%n=2+tx from settlement history blended with transcripts | 46¢ Kalshi |
| JP Morgan Payment | 0 times: JP Morgan Payment, Q3’25 Nov '25 | 0 times: JP Morgan Payment, Q4’25 Feb '26 | 1 time: JP Morgan Payment, Q1’26 May '26, counts as said | 2 times: JP Morgan Payment, Q2’26 Aug '26, counts as said | rising | 2/450% | 2/450% | 2/450% | 59%n=1+tx from settlement history blended with transcripts | 46¢ Kalshi |
| Sweden | 0 times: Sweden, Q3’25 Nov '25 | 1 time: Sweden, Q4’25 Feb '26, counts as said | 0 times: Sweden, Q1’26 May '26 | 2 times: Sweden, Q2’26 Aug '26, counts as said | rising | 2/450% | 1/425% | 2/450% | 53%n=2+tx from settlement history blended with transcripts | 46¢ Kalshi |
| Headwind | 0 times: Headwind, Q3’25 Nov '25 | 1 time: Headwind, Q4’25 Feb '26, counts as said | 0 times: Headwind, Q1’26 May '26 | 1 time: Headwind, Q2’26 Aug '26, counts as said | rising | 2/450% | 1/425% | 2/450% | 48%n=2+tx from settlement history blended with transcripts | 46¢ Kalshi |
| Credit Quality | 0 times: Credit Quality, Q3’25 Nov '25 | 1 time: Credit Quality, Q4’25 Feb '26, counts as said | 2 times: Credit Quality, Q1’26 May '26, counts as said | 0 times: Credit Quality, Q2’26 Aug '26 | rising | 2/450% | 2/450% | 2/450% | 41%n=2+tx from settlement history blended with transcripts | 46¢ Kalshi |
| Apple Pay | 0 times: Apple Pay, Q3’25 Nov '25 | 3 times: Apple Pay, Q4’25 Feb '26, counts as said | 1 time: Apple Pay, Q1’26 May '26, counts as said | 0 times: Apple Pay, Q2’26 Aug '26 | falling | 2/450% | 1/425% | 2/450% | 39%n=1+tx from settlement history blended with transcripts | 46¢ Kalshi |
| Headcount | 2 times: Headcount, Q3’25 Nov '25, counts as said | 1 time: Headcount, Q4’25 Feb '26, counts as said | 0 times: Headcount, Q1’26 May '26 | 0 times: Headcount, Q2’26 Aug '26 | falling | 2/450% | 2/450% | 2/450% | 33%n=2+tx from settlement history blended with transcripts | 46¢ Kalshi |
| Gemini | 0 times: Gemini, Q3’25 Nov '25 | 0 times: Gemini, Q4’25 Feb '26 | 1 time: Gemini, Q1’26 May '26, counts as said | 0 times: Gemini, Q2’26 Aug '26 | rising | 1/425% | 0/40% | 1/425% | 27%n=2+tx from settlement history blended with transcripts | 46¢ Kalshi |
| Inflation | 1 time: Inflation, Q3’25 Nov '25, counts as said | 0 times: Inflation, Q4’25 Feb '26 | 0 times: Inflation, Q1’26 May '26 | 0 times: Inflation, Q2’26 Aug '26 | falling | 1/425% | 0/40% | 1/425% | 20%n=2+tx from settlement history blended with transcripts | 46¢ Kalshi |
| Banking Licensenever said | 0 times: Banking License, Q3’25 Nov '25 | 0 times: Banking License, Q4’25 Feb '26 | 0 times: Banking License, Q1’26 May '26 | 0 times: Banking License, Q2’26 Aug '26 | steady | 0/40% | 0/40% | 0/40% | 13%n=1+tx from settlement history blended with transcripts | 46¢ Kalshi |
| PriceRunnernever said | 0 times: PriceRunner, Q3’25 Nov '25 | 0 times: PriceRunner, Q4’25 Feb '26 | 0 times: PriceRunner, Q1’26 May '26 | 0 times: PriceRunner, Q2’26 Aug '26 | steady | 0/40% | 0/40% | 0/40% | 13%n=1+tx from settlement history blended with transcripts | 46¢ Kalshi |
| Southwest Airlinesnever said | 0 times: Southwest Airlines, Q3’25 Nov '25 | 0 times: Southwest Airlines, Q4’25 Feb '26 | 0 times: Southwest Airlines, Q1’26 May '26 | 0 times: Southwest Airlines, Q2’26 Aug '26 | steady | 0/40% | 0/40% | 0/40% | 13%n=1+tx from settlement history blended with transcripts | 46¢ Kalshi |
- times said on that call
- counted as said (ring)
- no call
- probability next time, with n
- Select a word or a cell for its quotes
What the columns mean
- Last N
- of the appearances shown, how many counted as said
- Trend
- how the count moved over these calls
- Scripted
- calls of the last 8 where it was said in the prepared remarks
- All-time
- every call on file
- Probability
- the calibrated probability for the next listing; n is the settled observations behind it when it was computed, '+tx' adds the transcripts, 'new' means too little history
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 22, 2026 23:54 UTC.
Every word
1–8 of 8, most settled first| Word | Q3’25Nov '25 | Q4’25Feb '26 | Q1’26May '26 | Q2’26last call | Trend | Last 4 | Scripted | All-time | Probability |
|---|---|---|---|---|---|---|---|---|---|
| Bank | 0 times: Bank, Q3’25 Nov '25 | 15 times: Bank, Q4’25 Feb '26, counts as said | 3 times: Bank, Q1’26 May '26, counts as said | 1 time: Bank, Q2’26 Aug '26, counts as said | falling | 3/475% | 2/450% | 3/475% | 86%n=1+tx from settlement history blended with transcripts |
| Card10+ times | 0 times: Card 10+ times, Q3’25 Nov '25 | 30 times: Card 10+ times, Q4’25 Feb '26, counts as said | 24 times: Card 10+ times, Q1’26 May '26, counts as said | 21 times: Card 10+ times, Q2’26 Aug '26, counts as said | rising | 3/475% | 0/40% | 3/475% | 72%n=1+tx from settlement history blended with transcripts |
| Dollarevery call 30+ times | 57 times: Dollar 30+ times, Q3’25 Nov '25, counts as said | 59 times: Dollar 30+ times, Q4’25 Feb '26, counts as said | 73 times: Dollar 30+ times, Q1’26 May '26, counts as said | 113 times: Dollar 30+ times, Q2’26 Aug '26, counts as said | rising | 4/4100% | 4/4100% | 4/4100% | 82%n=1+tx from settlement history blended with transcripts |
| Payment5+ times | 0 times: Payment 5+ times, Q3’25 Nov '25 | 9 times: Payment 5+ times, Q4’25 Feb '26, counts as said | 14 times: Payment 5+ times, Q1’26 May '26, counts as said | 13 times: Payment 5+ times, Q2’26 Aug '26, counts as said | rising | 3/475% | 2/450% | 3/475% | 72%n=1+tx from settlement history blended with transcripts |
| Percentevery call 40+ times | 59 times: Percent 40+ times, Q3’25 Nov '25, counts as said | 44 times: Percent 40+ times, Q4’25 Feb '26, counts as said | 65 times: Percent 40+ times, Q1’26 May '26, counts as said | 94 times: Percent 40+ times, Q2’26 Aug '26, counts as said | rising | 4/4100% | 3/475% | 4/4100% | 76%n=1+tx from settlement history blended with transcripts |
| Coinbasenever said | 0 times: Coinbase, Q3’25 Nov '25 | 0 times: Coinbase, Q4’25 Feb '26 | 0 times: Coinbase, Q1’26 May '26 | 0 times: Coinbase, Q2’26 Aug '26 | steady | 0/40% | 0/40% | 0/40% | 13%n=1+tx from settlement history blended with transcripts |
| Cryptonever said | 0 times: Crypto, Q3’25 Nov '25 | 0 times: Crypto, Q4’25 Feb '26 | 0 times: Crypto, Q1’26 May '26 | 0 times: Crypto, Q2’26 Aug '26 | steady | 0/40% | 0/40% | 0/40% | 14%n=1+tx from settlement history blended with transcripts |
| Investment | 3 times: Investment, Q3’25 Nov '25, counts as said | 2 times: Investment, Q4’25 Feb '26, counts as said | 0 times: Investment, Q1’26 May '26 | 3 times: Investment, Q2’26 Aug '26, counts as said | falling | 3/475% | 2/450% | 3/475% | 63%n=1+tx from settlement history blended with transcripts |
- times said on that call
- counted as said (ring)
- no call
- probability next time, with n
- Select a word or a cell for its quotes
What the columns mean
- Last N
- of the appearances shown, how many counted as said
- Trend
- how the count moved over these calls
- Scripted
- calls of the last 8 where it was said in the prepared remarks
- All-time
- every call on file
- Probability
- the calibrated probability for the next listing; n is the settled observations behind it when it was computed, '+tx' adds the transcripts, 'new' means too little history
Appearances and settled record
latest 4Our transcript counts matched how 42 of 42 settled words resolved (100.0%). How we check.
| Date | Appearance | Text | Words | Settled | Our count agreed |
|---|---|---|---|---|---|
| Aug 18, 2026 | Earnings call FY26 Q2 | Speaker-labelled transcript | 30 | 16 yes · 14 no | 30/30 (100%) |
| May 14, 2026 | Earnings call FY26 Q1 | Speaker-labelled transcript | 12 | 4 yes · 8 no | 12/12 (100%) |
| Feb 20, 2026 | Earnings call FY25 Q4 | Speaker-labelled transcript | 0 | – | – |
| Nov 19, 2025 | Earnings call FY25 Q3 | Speaker-labelled transcript | 0 | – | – |
Citeparrot.markets, “Klarna (KLAR): earnings call word history”, as of Oct 24, 2026, https://parrot.markets/earnings/KLAR (CC BY 4.0)
Agents: this page as TSV at /api/v1/entity/klarna · words: /api/v1/history?entity=klarna · columnar JSON in #parrot-data · llms.txt · MCP