Klarna's US IPO 2025: The Billion-Dollar Race and AI's Impact on Fintech

Why is Klarna's IPO expected to reshape the global fintech landscape? The answer lies in impressive numbers: 150 million active users, plans to raise $1.3 billion, and a projected $15 billion valuation when it goes public on the NYSE this September.

Klarna - the Swedish "king" of buy now, pay later (BNPL) - is preparing for one of 2025's most anticipated fintech IPOs. After a valuation shock from a peak of $46 billion down to just $6.7 billion in 2022, the company has staged a remarkable comeback with revenue growing 24% to $2.8 billion in 2024.

Do you know how Klarna recovered from the 2022 market crash? They cut 10% of their workforce, focused on profitability over growth-at-all-costs, and most importantly, integrated AI across their entire system. From fraud detection to personalized shopping experiences, AI has helped Klarna significantly improve operational efficiency.

Klarna's story isn't isolated but part of a booming tech IPO wave in the US. From Affirm's success (valued at $24 billion) to Square's acquisition of Afterpay for $29 billion, the market is proving that fintech remains a "golden" investment sector.