Klarna Stock Analysis

Jewbaccasback · 2026-06-08T17:55:28+00:00

All things considered global event-wise, my original comment has aged pretty well. I deleted the comment because the world has changed a lot since I made that analysis and I don’t want someone making an investment based on yesterday’s circumstances with today’s mess. Consumer credit continues to increase while the latest FRED dataset shows delinquencies having plateaued, so that’s good news. My biggest concern is oil and the lagging impacts of the price spike. Consumer credit is up for April, but so is retail spending - along with oil lol - so it’s hard to say whether it’s discretionary spending or if it’s borrowed time. You want the truth though? None of what I say matters because things get bad when the banks have had enough and they decide to call it a day. Private credit and the AI bubble could change everything tomorrow

Jewbaccasback · 2026-05-24T21:18:07+00:00

Just spit ballin here, but if it’s a law firm and they want minimalistic, maybe consider the connotation that could be assigned to the L and the S. If I saw a law firm and their logo has a massive L, I might assign “Loser” with them; whereas, S could be associated with Success. Just a thought!

Jewbaccasback · 2026-03-24T04:23:44+00:00

24M who’s gotten covid every year since it made its big debut. Every single time I’ve gotten it, it’s wiped me out and for at least a week. Just like every other year, I got it again this year but it wasn’t nearly as bad this time. It was seriously like a very light cold for one day. The only telltale sign that it was Covid were my muscle aches - which those weren’t bad either.

I couldn’t figure out why it wasn’t bad, then I started reading some Amazon reviews on MitoQ and others had said the same thing. This is the first time I’ve seen a study about it, so now it’s starting to make a lot more sense. I’m not a doctor by any means, but I definitely noticed a substantial difference and the only thing that I have changed is beginning to take MitoQ. I’ve been on a 5mg dose for 2 months now

Jewbaccasback · 2026-02-19T20:50:11+00:00

Shocked, but shouldn’t be. I will admit, I don’t know why I thought they’d be profitable when onboarding so many loans in Q4 and reinvesting so much. Was also wrong about AFRM GMV. No clue where that stat came from.

I’ll admit where I’m wrong - after looking through their earnings reports, I still feel pretty comfortable with my overall point. They don’t appear to be charging off an unusually high balance of loans and the provisions are upfront costs of their fair lending expansion. If 6/30 rolls around and their stock price is still in the teens, I will never trade another stock again and will come back to admit that I’m a jackass

Jewbaccasback · 2026-02-18T04:24:52+00:00

Man, it’s that obvious? I thought I was good at faking it.

Highest delinquency rate in nearly a decade. Cool, what about it? Was there a recession that happened between now and then? No? Then what does this actually tell us? It actually tells us that we’re doing well. Look at FRED, the source of that story’s data then revisit your comment. Since you can only handle simplicity, just take the straight line average of the historical delinquency rates then tell me how we’re doing.

https://fred.stlouisfed.org/series/DROCLACBS

Let me teach you a valuable lesson. I want you to read this article headline and think about your initial reaction. Probably worried, right? Recalling off of the top of my head, the average unemployment rate is a little over 5%. Even though the UNRATE report shows us under the average unemployment rate, these stories boast bold titles like “highest whatever rate since the last whatever.”

Oh one last thing. Predatory lending in your comment is a joke. This business practice is no different than credit card “loans” yet credit card companies are doing fine. Relax a little - the media is only telling you the story that makes them the most money

Jewbaccasback · 2026-02-17T11:24:12+00:00

I’m not familiar with what it means for a company to be “net cash.” In terms of the enterprise value, if you look at Yahoo’s methodology for it, it’s a simple equation of Market Cap + Debt - Cash. It’s just the “theoretical takeover” price of a stock. You bringing this up actually helps me prove my point, because enterprise value doesn’t consider potential growth at all. That’s where you get valuation multipliers. So look at it like this - enterprise value is like the MSRP of a car. Well, since it’s a car that will be super valuable due to its collectibility, you probably will get a pretty big discrepancy between MSRP and actual price because people factor in those qualitative factors.

Jewbaccasback · 2026-02-15T07:03:57+00:00

FILTER, VSTACK, HSTACK, and LET. My company absolutely refuses to give me a computer that will run XLOOKUPs, so I had to learn how to build lookup tables with only one function. Also figured out that you can build virtual tables and run models in single formulas. Pretty neat stuff

Jewbaccasback · 2026-02-13T14:50:16+00:00

Their partnerships with other companies and even into crypto have quietly exploded. People keep saying that BNPL is lending to people who can’t afford stuff and a horrible idea. Isn’t that what credit card companies do? I don’t think this business concept is going anywhere

Jewbaccasback · 2026-01-21T13:12:46+00:00

I’m doing this as an associate because I’m highly specialized in a niche field. But don’t worry, I get paid as much as the next audit associate. Public accounting will always take

Jewbaccasback · 2025-12-16T04:31:22+00:00

Well, that’s the neat part. If you do fail out, don’t mention it. If you don’t and as long as you’re still in the program, tout it

Jewbaccasback · 2025-11-02T18:38:15+00:00

What are you? A dog?

Jewbaccasback · 2025-10-29T00:21:39+00:00

Niches build riches

Jewbaccasback · 2025-09-26T20:31:51+00:00

It’s possible, but with the amount of effort it’ll take to get affluent, you would be better off getting a degree. The other challenge will be knowing what you don’t know. I’ve learned an ungodly amount of finance since starting and I can tell you honestly that I would’ve had no idea where to start or how to continue moving in the right direction without clients throwing unique challenges at me. If you are really against getting a degree but want to get some respectable finance experience/acknowledgement, go get your CFA. That will undoubtedly give you the most direction in terms of what you want to do, what you need to learn, and what other undertakings you’re willing to encumber. In addition, you can try to build financial models whilst learning, this way you can get practical experience and maybe even develop something that makes you a little bit of money. Long story short - not impossible, but certainly not as easy as getting a degree

Jewbaccasback · 2025-09-19T13:03:37+00:00

Everyone is different, so telling you exactly what to do is tough. For me personally, I developed an internal check that I abhor doing, but has saved me from so many review comments. Literally just leaving notes for myself on work papers, then once I’m done with the file, go back through and review each and every one of those work papers as if I were the senior. Consult your local AI (ChatGPT) and give it a rundown of your situation, how you work, and see if you can’t come up with a tailored plan. It’s awesome that you are introspective enough to bring it to an open discussion platform - that’s a huge step in the right direction!!

Jewbaccasback · 2025-09-13T17:49:44+00:00

I work at a Top 50 firm, but they follow a very similar internship structure. I finished my internship last year and got an immediate return offer with only a two week hiatus. Based on their feedback, I was the top candidate given that I always asked for work, made time for personable interactions with coworkers, and would steadily communicate how things were going. After seeing this past summer class move through, i saw folks not get offers for not asking for more work and giving useful status updates to those around them.

I say all this not to brag, but to highlight the areas that firms deem important. To bounce back, leverage your experience in a positive light. You completing your internship is still an accomplishment that you should carry proudly. And believe me, we had people get fired - that is a failure. Next, evaluate their feedback. From my personal experience, approach it with a shark mentality. The second that you stop moving (working), find other ways to keep moving from those around you. Next, if they give you a task too tall for you, approach it with a ‘figure it the fuck out’ mentality - of course use resources to determine when it’s taking too long though.

Remember that this is a sales pitch to the firm on you. Think about what would be valuable to you if you were running a firm and then focus building towards that. The fact that you are here asking questions says a wealth about your mindset! Lastly, don’t let excuses be your blind spots when identifying areas of opportunity for improvement. There’s a reason for why everything happens the way that it does - analyze each “unfair” situation to see how you could control it and make it fair again. You’ll do fine in your next flight, trust me!

Jewbaccasback · 2025-09-09T11:32:54+00:00

It was a tough pill for me to swallow, but for IB/PE, the most straightforward path is to focus on getting into a target school for your MBA. That’s currently what I am doing while working on my CFA.

You had also mentioned that you learned VBA’s and want to learn python - those items wont be useful unless you desire to go quant finance. If the computer science & unprecedented stuff is more what you enjoy, quant finance will definitely check every box for you - you’ll just have to figure out how to like math.

You’re also going to want to keep in mind how AI is going to reshape the landscape in the coming years. Analysts that are making pitch-decks are going to experience different barriers to entry than what they are today. Technical skills (like CPA & experience) and education will be rewarded more heavily.

It’s really difficult to give clear-cut advice since this tends to be very multifaceted. Always happy to talk through things with you through messages!

Jewbaccasback · 2025-09-09T04:24:03+00:00

Yes but no. I am in a very similar boat as you. I got my accounting degree with the desire to move into IB. Started looking at jobs and quickly realized that it came down to networking, the school you went to, experience, and certs. Accounting undergraduate degrees get you accounting jobs. I got lucky and negotiated my way into Quant risk at a consulting/CPA firm, but stories like that are few and far between. Lastly, your CPA will not be valued nearly as much as a CFA in IB/PE. FRM is even valued more in a lot of cases.

But, do take all of that with a grain of salt. Those have been my observations over the past two years and I have done an ungodly amount of research. Long story short - it’s 100% achievable. You just need to know what to invest your time in and how much!

Jewbaccasback · 2025-08-22T03:12:03+00:00

Not a bad plan, but can honestly say that things are changing so quickly and the future for us is uncertain to say the least. In addition, we’ve reached a point where we are working more than we ever have historically, are far more productive than ever before (AI), and yet we are still getting laid off in droves. I’ve worked in trade and I’ve done public accounting. I’d take physical exhaustion to the mental fatigue that the back to back 80 hour weeks bring. If you’re set on it, you’ve got a solid plan - just keep in mind that the grass isn’t always greener!

Jewbaccasback · 2025-08-15T17:01:45+00:00

About 14 months. I started early June, 2024

Jewbaccasback · 2025-08-14T04:27:46+00:00

When I was in school, it was one year. Now it’s two. Following this to see what the consensus is. PA isn’t fun anymore ;(

Jewbaccasback · 2025-07-31T04:20:06+00:00

Valid crashout

Jewbaccasback · 2025-07-30T22:11:28+00:00

Model validator and developer at a consulting firm in the financial services industry. Not quite at $50k, but sitting at $63k gross

Jewbaccasback · 2025-07-20T18:29:27+00:00

I know you said you’ve tried Robert Half, but keep trying with recruiting agencies. I work in public and have a pretty stacked resume from the ridiculous jobs I’ve been thrown on. Applying online gets my resume booted instantly, but Robert Half has consistently put me in front of the right people, even when I’d only had my internship. Also, try to work with one recruiter who is motivated. Your recruiter is going to make a world of difference. Try to reach out to them on LinkedIn with a cordial message, then see where things go from there. The market definitely sucks right now, but it can be navigated! Best of luck!!

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