他对Klarna有一个疑问。这是通过回顾他们最近的财报来说的。那看起来是一个创纪录的季度。每一项指标都显著高企，但股价却下跌了20%。
He has a question about Klarna. This is said by referring back to their most recent earnings. It looked like a record-breaking quarter. Every metric was significantly high, but the stock fell by 20%.
我并不一定认为Klarna是一个会跑赢传统信用卡公司的主要竞争对手。他们实现了10亿美元的收入。这同比增长约30%。他们甚至出人意料地实现了约900万美元的净利润。然而，他们下调了全年收入预期，该预期远低于分析师的估计。
I don't necessarily consider Klarna to be a major competitor that will outperform traditional credit card companies. They generated $1 billion in revenue. This represents an increase of approximately 30% year-on-year.
They even made a surprise net profit of around $9 million. However, they lowered their full-year revenue forecast , which came in well below analysts' estimates.