1. Cramer recommended selling KLAR, favoring AFRM instead. 2. KLAR reported Q3 losses of 25 cents, better than expected. 3. Klarna's Q3 revenue was $903 million, exceeding estimates. 4. Fourth-quarter revenue guidance is set at $1.065 billion to $1.08 billion. 5. Klarna shares dropped 4.6% to $30.04 on Monday.