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Samsung Group's credit-card issuer, offering consumer/corporate cards, installment financing and leasing in Korea.
Samsung Group's credit-card issuer, offering consumer/corporate cards, installment financing and leasing in Korea.
Earns from fees charged to merchants on each card payment, whose rates Korean regulators cap and review every three years, plus interest and fees on installment loans and card cash advances. Funded mainly by bonds, so its borrowing cost matters. Samsung Life Insurance is the controlling shareholder.
Moat: narrow (scale, brand, distribution). Samsung Group affiliation and scale give a strong merchant network and funding-cost advantage.
Headquarters: Seoul, South Korea · Founded: 1988 · Employees: 2,033
Size Samsung Card (029780.KS) is a South Korea Financials company (Finance/Rental/Leasing) with a market value of $3.30B, the 96th largest of 495 South Korea companies the cockpit tracks. Shares closed at ₩42,050 on 6 Nov 2026.
Performance Over six months the shares fell 21.1%, against -7.7% for the median peer and -24.5% for the South Korea market (cap-weighted) — 6th lowest of 21 in its peer set.
Growth Revenue grew 11.4% over the last twelve months (peer median +7.4%); the operating margin is 32.6% (peer median 29.5%).
Valuation It trades at 0.51× book value against a peer median of 1.48× (3rd cheapest of 21).
Next results Next results expected around 11 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₩3.97T | ₩3.99T | ₩3.65T | ₩3.87T | ₩3.56T |
| Revenue growth | — | +9% | -6% | +9% | — |
| Gross profit | n/a | ₩2.85T | ₩3.50T | ₩3.72T | ₩3.41T |
| EBITDA | n/a | ₩1.62T | ₩1.56T | ₩1.45T | ₩1.44T |
| Net income | ₩599B | ₩646B | ₩665B | ₩609B | ₩622B |
| Free cash flow | n/a | ₩1.85T | -₩748B | ₩1.92T | -₩1.27T |
| Capital expenditure | n/a | ₩60.0B | ₩41.6B | ₩45.4B | ₩62.0B |
| Total debt | n/a | ₩20.7T | ₩18.4T | ₩17.7T | ₩18.6T |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 029780.KS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +0.7% | +2.7% | 9th lowest of 21 |
| 6-month return | -21.1% | -7.7% | 6th lowest of 21 |
| Return on equity | 7.5% | 14.0% | 4th lowest of 21 |
| Price / book | 0.51× | 1.48× | 3rd cheapest of 21 |
| ROE the price implies | 4.2% | 14.8% | least demanding of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Samsung Card 029780.KS | South Korea | $3.30B | -21% | +11% | 7% | 0.51× | 4.2% | n/a |
| Indian Renewable Energy Development Agency IREDA.NS | India | $3.31B | -18% | +17% | 14% | 2.18× | 42.4% | 14.4% |
| Manappuram Finance MANAPPURAM.NS | India | $3.23B | +3% | +5% | 7% | 1.90× | 33.0% | n/a |
| Housing & Urban Development HUDCO.NS | India | $3.39B | -30% | +22% | 22% | 1.39× | 31.5% | 21.7% |
| PennyMac Financial Services PFSI | United States | $3.41B | -28% | +4% | 6% | 0.78× | 10.2% | 5.6% |
| WillScot WSC | United States | $3.42B | -33% | -3% | -7% | 3.75× | 35.8% | -7.1% |
| Far East Horizon 3360.HK | Hong Kong | $3.44B | -25% | +1% | 8% | 0.45× | 4.5% | 7.6% |
| LIC Housing Finance LICHSGFIN.NS | India | $3.12B | -9% | -1% | 14% | 0.67× | 11.6% | 14.3% |
| SLM SLM | United States | $3.10B | -25% | -6% | 25% | 1.55× | 13.8% | 24.7% |
| Marui 8252.T | Japan | $3.09B | -7% | +8% | 12% | 2.12× | 7.1% | 12.4% |
| Hercules Capital HTGC | United States | $3.06B | 0% | +40% | 16% | 1.32× | 10.4% | 15.7% |
| McGrath RentCorp MGRC | United States | $3.05B | +9% | +2% | 13% | 2.38× | 13.2% | 12.9% |
| PNB Housing Finance PNBHOUSING.NS | India | $3.03B | +5% | +11% | 12% | 1.42× | 19.4% | 12.3% |
| Credit Saison 8253.T | Japan | $3.62B | -10% | +10% | 9% | 0.73× | 6.3% | 9.2% |
| Sixt SIX2.DE | Germany | $3.67B | +4% | +7% | 15% | 1.67× | 15.8% | 15.0% |
| Cholamandalam Financial CHOLAHLDNG.NS | India | $2.89B | -17% | +18% | 17% | 1.77× | 26.2% | n/a |
| IIFL Finance IIFL.NS | India | $2.83B | +35% | +36% | 18% | 1.73× | 23.7% | 17.6% |
| Bread Financial BFH | United States | $3.87B | +17% | +2% | 16% | 1.13× | 12.2% | 15.9% |
| GMO Payment Gateway 3769.T | Japan | $3.98B | +6% | +13% | 22% | 5.02× | 32.4% | 21.5% |
| China Development Bank Financial Leasing 1606.HK | Hong Kong | $2.66B | +4% | -5% | 13% | 0.40× | 4.5% | 12.6% |
| Mahindra & Mahindra Financial Services M&MFIN.NS | India | $4.12B | -15% | +15% | 14% | 1.41× | 23.7% | 13.8% |