David Sykes - 17 Mar 2026 Form 3 Insider Report for Klarna Group plc (KLAR)

Role: Chief Commercial Officer
Signature: Boudien Moerman, as attorney-in-fact
Issuer symbol: KLAR
Transactions as of: 17 Mar 2026
Net transactions value: $0
Form type: 3
Filing time: 17 Mar 2026, 09:33:53 UTC
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Sykes David	Chief Commercial Officer	10 YORK ROAD, LONDON, UNITED KINGDOM	Boudien Moerman, as attorney-in-fact	17 Mar 2026	0002099428

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
holding	KLAR	Klarna Group plc Ordinary Shares						135,464	17 Mar 2026	Direct	F9

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
holding	KLAR	Larkan AB Restricted Stock Units							17 Mar 2026	Klarna Group plc ordinary shares			Direct	F1
holding	KLAR	Larkan SPV Warrants L4:1							17 Mar 2026	Klarna Group plc ordinary shares	881,544	$6885.33	Direct	F2, F3
holding	KLAR	Larkan SPV Warrants L4:2							17 Mar 2026	Klarna Group plc ordinary shares	13,824	$2295.11	Direct	F3, F4
holding	KLAR	Larkan SPV Warrant L5:1							17 Mar 2026	Klarna Group plc ordinary shares	17,280	$2295.11	Direct	F3, F5
holding	KLAR	Larkan SPV Warrant L5:2							17 Mar 2026	Klarna Group plc ordinary shares	856,236	$6885.33	Direct	F3, F6
holding	KLAR	Larkan SPV Warrants L10:2							17 Mar 2026	Klarna Group plc ordinary shares	385,968	$6885.33	Direct	F3, F7
holding	KLAR	Klarna Group plc Options							17 Mar 2026	Klarna Group plc ordinary shares	442,344	$748.50	Direct	F3, F8
holding	KLAR	Klarna Group plc Options							17 Mar 2026	Klarna Group plc ordinary shares	983,340	$1122.75	Direct	F3, F8

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Represents 19,033 restricted stock units in Larkan AB (Larkan), an indirect subsidiary of Klarna Group plc (the Issuer). Once shares of Larkan are delivered in settlement of the restricted stock units, approximately four shares of Larkan are convertible into one Klarna Group plc ordinary share (Shares). Restricted Stock Units in Larkan vest quarterly, at a total vesting of 25% of the initial grant per year.
F2	Represents warrants to acquire 73,462 shares of Larkan IV AB, a direct subsidiary of the Issuer. Each underlying share of Larkan IV AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 881,544 Shares being subject to the warrant, that is vesting annually by 20% for a period of four years with an additional 20% vesting on August 27, 2027.
F3	This is in SEK.
F4	Represents warrants to acquire 1,152 shares of Larkan IV AB, a direct subsidiary of the Issuer. Each underlying share of Larkan IV AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 13,824 Shares being subject to the warrant, that is vesting annually by 20% for a period of four years with an additional 20% vesting on August 27, 2027.
F5	Represents warrants to acquire 1,440 shares of Larkan V AB, a direct subsidiary of the Issuer. Each underlying share of Larkan V AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 17,280 Shares being subject to the warrant, that is vesting annually by 20% for a period of four years with an additional 20% vesting on August 27, 2027.
F6	Represents warrants to acquire 71,353 shares of Larkan V AB, a direct subsidiary of the Issuer. Each underlying share of Larkan V AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 856,236 Shares being subject to the warrant, that is vesting annually by 20% for a period of four years with an additional 20% vesting on August 27, 2027.
F7	Represents warrants to acquire 32,164 shares of Larkan X AB, a direct subsidiary of the Issuer. Each underlying share of Larkan X AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 385,968 Shares being subject to the warrant, that is vesting annually in equal installments.
F8	Represents an option to acquire Shares that vest in four equal annual installments beginning on the first anniversary of the grant date.
F9	In addition to the ordinary shares reported in this Form 3 the reporting person beneficially owns a number of the Klarna Group plcs Class B shares. Each Class B share is entitled to 10 votes per share.