Samsung Card (029780) Q4 2025 earnings summary

Executive summary

• Achieved consolidated revenue of KRW 4,382.9 billion and net income of KRW 645.9 billion for FY2025, with stable profitability despite a challenging environment.

• Maintained a strong capital adequacy ratio of 30.36%, well above regulatory minimums.

• Continued leadership in customer satisfaction, ranking 1st in NCSI for 12 consecutive years.

• Expanded business scope with new licenses in corporate credit information services.

Financial highlights

• Consolidated revenue: KRW 4,382.9 billion (flat YoY); net income: KRW 645.9 billion (down from KRW 664.6 billion YoY).

• Operating income: KRW 853.7 billion; EPS: KRW 6,053.

• Total assets: KRW 32,174.8 billion; total equity: KRW 8,863.3 billion.

• Dividend per share: KRW 2,800; payout ratio: 46.3%.

• Adjusted capital adequacy ratio: 30.36% (regulatory minimum: 8%).

Outlook and guidance

• 2026 expected to be more challenging with intensified competition and technological disruption.

• Strategic focus on risk management, digital innovation, and platform competitiveness.

• Continued investment in new business areas and partnerships to drive sustainable growth.