Insider activity shows roughly $87.6 million in shares sold over the last three months, signaling potential near-term concerns among insiders.

The article invites reader engagement and includes affiliate links and earnings disclosures typical of the publication.

A disclaimer states the information is informational and not a buy/sell recommendation.

Investors will watch adoption rates and potential international expansion to gauge the program’s impact on global sales volumes.

Keefe Bruyette & Woods maintains an Outperform rating on Klarna with a $26 target, arguing the partnership could boost Klarna’s U.S. merchant growth and consumer financing presence.

The author is identified as Matthew Kerr, a Quiver Quantitative data analyst with a BlackRock background.

Apple is reportedly testing a new leasing program called Apple Upgrade, built with Klarna, to let U.S. customers acquire iPhones, iPads, Macs, and Apple Watches via installments rather than upfront purchase.

In the initial rollout, AppleCare is excluded from the base subscription and certain entry-level models (like iPhone 16, Apple Watch SE, base iPad, MacBook Neo) won’t be included, with business and education purchases also left out at first.

The move follows recent Apple price hikes tied to memory chip costs, which have driven up device prices but left iPhone pricing relatively intact, contributing to a rebound in iPhone sales.

Analysts note a contrast between strong profitability and growth signals and weaker financial strength and valuation indicators, suggesting a cautious take for investors.

Klarna’s stock rose intraday as much as about 11% on the report, before trading up modestly on the publication.

Bloomberg is cited as the original reporting source, with the information treated as credible but provisional until official confirmation.