Hyundai Motor Securities (001500) Q3 2025 earnings summary

Executive summary

• Achieved consolidated pre-tax profit of KRW 68.0 billion and net profit of KRW 52.2 billion for the nine months ended September 30, 2025, up 44% and 46% year-over-year, respectively.

• Significant capital increase in March 2025, boosting financial stability and supporting business expansion.

• Maintained strong credit ratings (AA-, A1) from major agencies throughout the period.

Financial highlights

• Net fee and commission income: KRW 137.8 billion (up from KRW 107.7 billion YoY).

• Net interest income: KRW 85.6 billion (up from KRW 84.3 billion YoY).

• Operating income: KRW 68.2 billion (up from KRW 47.1 billion YoY).

• Total assets: KRW 13,089.9 billion; total equity: KRW 1,437.5 billion as of September 30, 2025.

• Basic EPS: KRW 943 for the period.

Outlook and guidance

• Targeting ROE improvement from 4% to 8% by 2027 and over 10% from 2028, with a dividend payout ratio of 30–35% through 2027 and 40%+ thereafter.

• Continued focus on digital transformation, AI-based asset management, and expansion of retirement pension services.