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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of February 2026

Commission File Number: 001-42832

Klarna Group plc

(Translation of Registrant’s Name into English)

10 York Road

London SE1 7ND

United Kingdom

(Address of Principal Executive Office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☒ Form 40-F ☐

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):

Yes   o   No  x

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):

Yes   o   No  x

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INFORMATION CONTAINED IN THIS REPORT ON FORM 6-K

On February 19, 2026, Klarna Group plc (the “Company”) issued an earnings presentation for the year ended December 31, 2025, which is furnished herewith as Exhibit 99.1.

EXHIBITS

The following exhibits are attached:

Exhibit No.						Description
99.1						Earnings presentation for the year ended December 31, 2025

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

			KLARNA GROUP PLC
Date: February 20, 2026			By:			/s/ Niclas Neglen
						Name: Niclas Neglen Title: Chief Finance Officer