Klarna Group plc ( KLAR ) said Monday that H&M customers in Romania and Hungary can now access its flexible payment options at checkout, marking an expansion of its partnership with H&M.

The move aims to enhance the shopping experience by offering more convenient, tailored payment options across both markets.

Flexible Payment Options and Checkout Experience

The rollout allows shoppers to choose from multiple payment methods, including paying immediately, within 30 days, or in three equal interest-free instalments, with costs shown upfront and no fees if paid on time.

The integration aims to improve checkout experience and reduce payment friction while offering options suited to different budgets.

Growth in Romania and Global Scale

The expansion comes as Klarna ( KLAR ) grows in Romania, surpassing 500,000 active users since launching in June 2023 and partnering with more than 1,500 merchants.

Globally, Klarna ( KLAR ) serves over 118 million consumers, works with 1 million retail partners, processes more than 3.4 million transactions daily, and operates across 45 markets.

Klarna ( KLAR ) and H&M have collaborated internationally for several years, and the latest expansion builds on their ongoing efforts to enhance online shopping with flexible payment solutions.

“We are delighted to expand our partnership with H&M and bring Romanian and Hungarian consumers modern, digital, transparent alternatives for managing their payments,” said Loredana Pipoș-Lupescu, Country Manager Romania at Klarna ( KLAR ).

“By extending our partnership with Klarna ( KLAR ), we’re providing to customers in Romania and Hungary a truly modern way to shop, with flexible payment solutions,” said Katarzyna Skrzeczynska, Head of Customer Activation and Marketing for H&M Region East Europe.

Merchant Growth and Leadership Commentary

Recently, Klarna ( KLAR ) surpassed 1 million global merchants, driven by strong adoption of its payment solutions. Merchant count grew 47% year over year, adding 285,000 in 2025, with rapid growth in leisure and fitness categories.

The company serves over 118 million users and processes about 3.4 million daily transactions. The expansion strengthens revenue potential, while a recent share purchase by Board Chair Michael Moritz signals insider confidence.

Technical Analysis

Klarna ( KLAR ) is trading 8.3% below its 20-day SMA and 50.5% below its 100-day SMA, keeping the intermediate trend pointed down even as Monday’s bounce develops. Shares are down 71.78% over the past 12 months and are sitting much closer to the 52-week low ($12.50) than the 52-week high ($57.20).

The RSI is at 33.46, which sits in neutral territory but is close enough to oversold to keep traders watching for a momentum turn. MACD is at -1.5546 versus a signal line of -1.8202, a bullish configuration that suggests downside pressure is easing even though the stock remains below key moving averages.

RSI in the 30–50 range with bullish MACD indicates momentum leaning bullish.

Key Resistance: $14.00

Key Support: $12.50

Analyst Outlook

The stock carries a Buy Rating with an average price target of $40.27. Recent analyst moves include:

JP Morgan: Overweight (Lowers Target to $20.00) (Feb. 20)

UBS: Buy (Lowers Target to $20.00) (Feb. 20)

Wells Fargo: Overweight (Lowers Target to $32.00) (Feb. 20)

Benzinga Edge Rankings

Below is the Benzinga Edge scorecard for Klarna ( KLAR ), highlighting its strengths and weaknesses compared to the broader market:

The Verdict: Klarna’s Benzinga Edge signal reveals a profile with no published factor scores in the current dataset, so the ranking system isn’t providing a momentum/quality/value/growth read right now. In this setup, the chart levels (especially $12.50 support and the $14.00 area as first resistance) matter more than factor-style scorecards for framing longer-term risk.

Price Action

KLAR Stock Price Activity: Klarna ( KLAR ) shares were up 2.62% at $12.94 at the time of publication on Monday, according to Benzinga Pro data.