Analysis of Norway's Buy Now Pay Later Market Prospects
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Should l Buy KLAR?
Source: Yahoo Finance
- Market Growth Potential: Norway's Buy Now Pay Later market is projected to reach $2.3 billion by 2026, with an annual growth rate of 25.7%, indicating a sustained consumer demand for flexible payment options that drives rapid retail and e-commerce expansion.
- Long-Term Growth Trend: From 2026 to 2031, the market is expected to grow at a compound annual growth rate of 21.4%, with a projected market size of approximately $6.06 billion by 2031, providing a solid foundation for investors seeking long-term opportunities and strategic positioning.
- Consumer Behavior Insights: The report offers an in-depth analysis of consumer attitudes and spending behaviors, including expenditure shares segmented by age and income, which will aid businesses in better understanding their target markets and formulating appropriate marketing strategies.
- Competitive Landscape Assessment: The BNPL market in Norway is highly competitive, with key players like Klarna and Vipps Pay Later; market share analysis will provide valuable benchmarks for new entrants to develop effective market entry and expansion strategies.
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Analyst Views on KLAR
Wall Street analysts forecast KLAR stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for KLAR is 44.36 USD with a low forecast of 36.00 USD and a high forecast of 55.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
11 Analyst Rating
9 Buy
2 Hold
0 Sell
Strong Buy
Current: 22.920
Low
36.00
Averages
44.36
High
55.00
Current: 22.920
Low
36.00
Averages
44.36
High
55.00
About KLAR
Klarna Group Plc is a United Kingdom-based technology company focused on developing commerce networks. The Company is an artificial intelligence (AI)-powered global payments network and shopping assistant. It provides consumers and merchants with a range of solutions, including payment, advertising and digital retail banking, through several channels. Its online payments solution is designed to bridge uncertainty in the transactions between consumers and merchants by providing short-term credit to consumers interest-free. Its range of payment options allows consumers to purchase what they choose, both online and offline. Its payment solutions include Pay in Full, Pay Later and Fair Financing. Its Pay in Full instantly settles purchases at the time of the transaction. Its Pay Later enables consumers to purchase goods or services at the time of the transaction and pay the full amount at a later date. Its Fair Financing allows consumers to pay for their purchase over a longer duration.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Analysis of Norway's Buy Now Pay Later Market Prospects
- Market Growth Potential: Norway's Buy Now Pay Later market is projected to reach $2.3 billion by 2026, with an annual growth rate of 25.7%, indicating a sustained consumer demand for flexible payment options that drives rapid retail and e-commerce expansion.
- Long-Term Growth Trend: From 2026 to 2031, the market is expected to grow at a compound annual growth rate of 21.4%, with a projected market size of approximately $6.06 billion by 2031, providing a solid foundation for investors seeking long-term opportunities and strategic positioning.
- Consumer Behavior Insights: The report offers an in-depth analysis of consumer attitudes and spending behaviors, including expenditure shares segmented by age and income, which will aid businesses in better understanding their target markets and formulating appropriate marketing strategies.
- Competitive Landscape Assessment: The BNPL market in Norway is highly competitive, with key players like Klarna and Vipps Pay Later; market share analysis will provide valuable benchmarks for new entrants to develop effective market entry and expansion strategies.
See More
Former PayPal President Critiques Company Culture
- Critique of Financial Optimization: Former PayPal President David Marcus publicly criticized the company's shift from product-led to financially-led leadership, claiming this change has hollowed out the company's innovative spirit and weakened its market competitiveness.
- BNPL Feature Failure: Marcus highlighted PayPal's failure to transform its Buy Now, Pay Later service into a core consumer relationship, allowing competitors to capture market share, which directly contributed to a mere 1% growth in branded checkout performance.
- Leadership Challenges: Despite the board's call for greater discipline and faster execution, Marcus expressed skepticism about the new leadership's ability to navigate the fintech landscape, noting that their background may not align with the needs of a payments company.
- Significant Stock Decline: In 2026, PayPal's stock has dropped by 28.57%, with a 37.86% decline over the past six months and a staggering 53.41% drop over the year, indicating ongoing weakness in the market and declining investor confidence.
See More
Klarna Group Faces Class Action Lawsuit
- Lawsuit Background: Klarna Group is facing a class action lawsuit for failing to disclose critical information during its September 2025 IPO, with the lawsuit seeking to recover losses for investors adversely affected by purchasing the company's securities.
- Allegations Details: The complaint alleges that Klarna and certain executives failed to disclose the risk of a significant increase in loss reserves shortly after the IPO, rendering their public statements materially false and misleading at all relevant times.
- Investor Action: Affected investors have until February 20, 2026, to request to be appointed as lead plaintiff, although serving as lead plaintiff is not a prerequisite for sharing in any recovery, thus providing an opportunity for investor participation in the lawsuit.
- Law Firm Background: Kahn Swick & Foti, LLC is a prominent securities litigation law firm ranked among the top ten nationally based on total settlement value, focusing on providing legal support for investors suffering losses due to corporate fraud or misconduct.
See More
Faruqi & Faruqi Encourages Klarna Investors to Reach Out
- Legal Investigation: Faruq & Faruq LLP is investigating potential claims against Klarna Group plc and reminds investors to seek lead plaintiff status by February 20, 2026, to participate in the federal securities class action against the company.
- Financial Loss Disclosure: Klarna's post-IPO earnings report revealed a record revenue but a net loss of $95 million due to increased loan loss provisions, with provisions rising from 0.44% to 0.72% of gross merchandise volume, indicating significant financial strain.
- Stock Price Impact: Following the earnings report on November 18, 2025, Klarna's stock fell by 9.3%, reflecting market concerns over the company's financial health, particularly in light of the substantial increase in loan loss provisions.
- Investor Rights Protection: Faruq & Faruq LLP encourages all individuals with information regarding Klarna's conduct, including whistleblowers and former employees, to come forward to ensure effective protection of investor rights.
See More
Klarna Group Faces Class Action Over IPO Misstatements
- Lawsuit Investigation Launched: Hagens Berman is notifying investors about the upcoming February 20, 2026 lead plaintiff deadline related to Klarna Group plc (NYSE: KLAR) and alleged misstatements in its September 2025 IPO documents.
- Credit Loss Surge: Shortly after the IPO, Klarna reported a staggering 102% year-over-year increase in its provision for credit losses, indicating serious flaws in its claimed credit modeling, which caused its stock price to drop nearly 22% below the IPO price.
- High-Risk Lending Allegations: The lawsuit alleges that Klarna's IPO documents failed to adequately disclose its aggressive lending practices to financially unsophisticated consumers, particularly through high-frequency, high-interest loans for non-durable goods like fast food.
- Investor Loss Warning: Hagens Berman urges investors who purchased Klarna shares following the September 2025 IPO and suffered significant losses to reach out for participation in the lawsuit and potential recovery of damages.
See More
Klarna Group Faces Class Action Lawsuit
- Class Action Filed: Pomerantz LLP has announced a class action lawsuit against Klarna Group, alleging securities fraud and other unlawful business practices, with investors advised to apply as Lead Plaintiff by February 20, 2026.
- IPO Underperformance: Klarna conducted its IPO on September 10, 2025, issuing 34,311,274 shares at $40 each, yet by December 22, 2025, the stock had fallen to $31.31, indicating market concerns regarding its financial stability.
- Escalating Financial Losses: Bloomberg reported that Klarna posted a net loss of $95 million in its latest earnings report, setting aside $235 million for potential credit losses, which represented 0.72% of gross merchandise volume, up from 0.44% a year prior, highlighting increasing credit risk.
- Customer Base Risks: Barron’s noted that Klarna's buy now, pay later model faces scrutiny due to its target demographic of younger individuals with lower financial security, higher debt burdens, and lower credit scores, potentially leading to increased loan default risks.
See More
Analysis of Norway's Buy Now Pay Later Market Prospects
- Market Growth Potential: Norway's Buy Now Pay Later market is projected to reach $2.3 billion by 2026, with an annual growth rate of 25.7%, indicating a sustained consumer demand for flexible payment options that drives rapid retail and e-commerce expansion.
- Long-Term Growth Trend: From 2026 to 2031, the market is expected to grow at a compound annual growth rate of 21.4%, with a projected market size of approximately $6.06 billion by 2031, providing a solid foundation for investors seeking long-term opportunities and strategic positioning.
- Consumer Behavior Insights: The report offers an in-depth analysis of consumer attitudes and spending behaviors, including expenditure shares segmented by age and income, which will aid businesses in better understanding their target markets and formulating appropriate marketing strategies.
- Competitive Landscape Assessment: The BNPL market in Norway is highly competitive, with key players like Klarna and Vipps Pay Later; market share analysis will provide valuable benchmarks for new entrants to develop effective market entry and expansion strategies.
See More
Former PayPal President Critiques Company Culture
- Critique of Financial Optimization: Former PayPal President David Marcus publicly criticized the company's shift from product-led to financially-led leadership, claiming this change has hollowed out the company's innovative spirit and weakened its market competitiveness.
- BNPL Feature Failure: Marcus highlighted PayPal's failure to transform its Buy Now, Pay Later service into a core consumer relationship, allowing competitors to capture market share, which directly contributed to a mere 1% growth in branded checkout performance.
- Leadership Challenges: Despite the board's call for greater discipline and faster execution, Marcus expressed skepticism about the new leadership's ability to navigate the fintech landscape, noting that their background may not align with the needs of a payments company.
- Significant Stock Decline: In 2026, PayPal's stock has dropped by 28.57%, with a 37.86% decline over the past six months and a staggering 53.41% drop over the year, indicating ongoing weakness in the market and declining investor confidence.
See More
Klarna Group Faces Class Action Lawsuit
- Lawsuit Background: Klarna Group is facing a class action lawsuit for failing to disclose critical information during its September 2025 IPO, with the lawsuit seeking to recover losses for investors adversely affected by purchasing the company's securities.
- Allegations Details: The complaint alleges that Klarna and certain executives failed to disclose the risk of a significant increase in loss reserves shortly after the IPO, rendering their public statements materially false and misleading at all relevant times.
- Investor Action: Affected investors have until February 20, 2026, to request to be appointed as lead plaintiff, although serving as lead plaintiff is not a prerequisite for sharing in any recovery, thus providing an opportunity for investor participation in the lawsuit.
- Law Firm Background: Kahn Swick & Foti, LLC is a prominent securities litigation law firm ranked among the top ten nationally based on total settlement value, focusing on providing legal support for investors suffering losses due to corporate fraud or misconduct.
See More
Faruqi & Faruqi Encourages Klarna Investors to Reach Out
- Legal Investigation: Faruq & Faruq LLP is investigating potential claims against Klarna Group plc and reminds investors to seek lead plaintiff status by February 20, 2026, to participate in the federal securities class action against the company.
- Financial Loss Disclosure: Klarna's post-IPO earnings report revealed a record revenue but a net loss of $95 million due to increased loan loss provisions, with provisions rising from 0.44% to 0.72% of gross merchandise volume, indicating significant financial strain.
- Stock Price Impact: Following the earnings report on November 18, 2025, Klarna's stock fell by 9.3%, reflecting market concerns over the company's financial health, particularly in light of the substantial increase in loan loss provisions.
- Investor Rights Protection: Faruq & Faruq LLP encourages all individuals with information regarding Klarna's conduct, including whistleblowers and former employees, to come forward to ensure effective protection of investor rights.
See More
Klarna Group Faces Class Action Over IPO Misstatements
- Lawsuit Investigation Launched: Hagens Berman is notifying investors about the upcoming February 20, 2026 lead plaintiff deadline related to Klarna Group plc (NYSE: KLAR) and alleged misstatements in its September 2025 IPO documents.
- Credit Loss Surge: Shortly after the IPO, Klarna reported a staggering 102% year-over-year increase in its provision for credit losses, indicating serious flaws in its claimed credit modeling, which caused its stock price to drop nearly 22% below the IPO price.
- High-Risk Lending Allegations: The lawsuit alleges that Klarna's IPO documents failed to adequately disclose its aggressive lending practices to financially unsophisticated consumers, particularly through high-frequency, high-interest loans for non-durable goods like fast food.
- Investor Loss Warning: Hagens Berman urges investors who purchased Klarna shares following the September 2025 IPO and suffered significant losses to reach out for participation in the lawsuit and potential recovery of damages.
See More
Klarna Group Faces Class Action Lawsuit
- Class Action Filed: Pomerantz LLP has announced a class action lawsuit against Klarna Group, alleging securities fraud and other unlawful business practices, with investors advised to apply as Lead Plaintiff by February 20, 2026.
- IPO Underperformance: Klarna conducted its IPO on September 10, 2025, issuing 34,311,274 shares at $40 each, yet by December 22, 2025, the stock had fallen to $31.31, indicating market concerns regarding its financial stability.
- Escalating Financial Losses: Bloomberg reported that Klarna posted a net loss of $95 million in its latest earnings report, setting aside $235 million for potential credit losses, which represented 0.72% of gross merchandise volume, up from 0.44% a year prior, highlighting increasing credit risk.
- Customer Base Risks: Barron’s noted that Klarna's buy now, pay later model faces scrutiny due to its target demographic of younger individuals with lower financial security, higher debt burdens, and lower credit scores, potentially leading to increased loan default risks.
See More
