Klarna, Affirm show how expensive fintech growth can be

Just how lucrative is the buy now, pay later (BNPL) market? New data from Klarna and recent earnings results from Affirm make it clear that building a global business in the fintech space is far from inexpensive.
The two companies, Affirm American and Klarna Swedish, are among the most valuable players in the BNPL market today. Both recently reported financial results.
Today we’re looking at Affirm’s earnings for the second calendar quarter of 2022 and Klarna’s for the first half of the same year and asking ourselves what we can glean from each dataset. (And, listen, this is

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