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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Meritz Financial
Meritz Financial (138040) investor relations material
Meritz Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Consolidated net income for 2025 reached KRW 2.3501 trillion, up 0.7% year-over-year, driven by higher commission and interest income despite lower insurance profit and increased expenses.
Consolidated total assets reached KRW 135.5 trillion at year-end 2025, up 17.2% year-over-year; shareholder equity rose 3.0% to KRW 11.3 trillion.
ROE stood at 22.7%, maintaining industry-leading levels.
EPS and BPS rose 5.4% and 8.5% year-over-year, respectively.
Shareholder return policy focused on aggressive share buybacks, with a payout ratio of 61.7% and total shareholder return (TSR) of 8.8% for 2025.
Financial highlights
Fourth quarter net income was KRW 323.3 billion, down 7.6% year-over-year.
Standalone net income: Fire & Marine Insurance KRW 1.681 trillion (down 1.7%), Securities KRW 701.6 billion (up 11.3%), Capital KRW 134.2 billion (up 14.6%).
Insurance profit declined 7.1% year-over-year, while investment profit rose 13.2%.
Cumulative investment yield for 2025 was 3.7%.
ROA was 1.8%, down 0.3 percentage points year-over-year.
Outlook and guidance
Active and disciplined shareholder return policy to continue, focusing on treasury share buybacks and cancellation.
Ongoing commitment to a payout ratio above 50% of consolidated net income over three years.
Ongoing focus on high-quality asset origination and capital efficiency.
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Next Meritz Financial earnings date
Q1 202611 May, 2026
Meritz Financial
Next Meritz Financial earnings date
Q1 202611 May, 2026
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