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Samsung Card (A029780) investor relations material
Samsung Card Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Transaction volume rose 9.1% year-over-year in 1H26, with credit purchases up 9.6% and lending up 4.6%.
Earning assets increased 12.7% year-over-year to ₩30.7 trillion, driven by growth in credit purchases and card loans.
Net income for 1H26 declined 7.5% year-over-year to ₩310.5 billion, with operating income down 6.0%.
Financial highlights
Operating revenues grew 6.0% year-over-year in 1H26, led by credit purchase and card loan segments.
Interest expense increased 17.8% year-over-year, impacting net income.
Pre-provision income fell 1.5% year-over-year, while provisions for credit losses rose 4.1%.
Outlook and guidance
Mid- to long-term shareholder return goal set at 50%, with recent payout ratios in the mid-40% range.
- Stable earnings, strong capital, and new business expansion amid a competitive market.A029780
Q4 202515 Jul 2026 - Solid revenue and profit growth with strong capital and asset quality in a competitive market.A029780
Q4 202415 Jul 2026 - Net income reached ₩531.5B on ₩3.08T revenue, with robust capital and liquidity ratios in Q3 2024.A029780
Q3 202415 Jul 2026 - Revenue and profit declined, but capital and liquidity ratios remain robust.A029780
Q2 202515 Jul 2026 - 2024 H1 profit fell on lower card spending, but capital and liquidity remain robust.A029780
Q2 202415 Jul 2026 - Q1 2026 net income reached KRW 156.3B with robust capital and stable dividends.A029780
Q1 202615 Jul 2026 - Q1 2025 delivered solid earnings, asset growth, and strong capital ratios amid stable market conditions.A029780
Q1 202515 Jul 2026 - Q3 net income fell to KRW 497.3B as card volume rose 10.4% and capital ratios stayed robust.A029780
Q3 202515 Jul 2026
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