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Swedish Klarna files for IPO in the U.S.

The Swedish fintech Klarna has filed for an initial public offering (IPO) in the U.S., the company announced. The company submitted a draft registration statement to the U.S. Securities and Exchange Commission (SEC), and the initial public offering will take place after the SEC review, with the timing of the listing depending on market conditions, reports the Financial Times.

Recall that Klarna was valued at $46 billion in 2021, making it the most valuable startup in Europe, while just a year later, in 2022, during the last investment cycle, it was valued at only $6.7 billion as investors changed their stance on fintech companies due to rising interest rates.

The company has also suffered due to a deep rift in management, specifically due to disagreements between the two co-founders: Sebastian Siemiatkowski and Victor Jacobsson, who is also the third-largest shareholder in Klarna. This conflict culminated last month in Jacobsson’s removal from Klarna’s board of directors.

Klarna’s choice of the U.S. for its IPO is yet another blow to European capital markets following a similar decision by fellow countryman Spotify to choose Wall Street for its listing in 2018. However, this decision is not surprising given that Klarna has focused on expansion in the U.S. in recent years, which has affected its business results, but after four years of heavy losses, it has recently returned to profitable waters.

CEO Siemiatkowski stated over a year ago to the Financial Times that Klarna is ready for an IPO when market conditions allow. It is certainly safe to say that Klarna’s IPO will lead to further testing and development of the ‘buy now, pay later’ (BNPL) sector in which this fintech is a leader.

Siemiatkowski described Klarna as a company that offers customers far lower fees than credit cards, but consumer groups and charities have criticized this sector for encouraging people to take on additional debt that they cannot afford.

The ‘buy now, pay later’ service allows online purchases from major retailers without immediate payment. Consumers can therefore pay for their purchase in four installments with interest charged every two weeks or pay the full amount within 30 days.

Although it has gained popularity since early 2020, investors are concerned about the sustainability of this sector as their consumers are currently trying to save wherever they can due to high inflation and thus increased borrowing costs.

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