Samsung Card (A029780) Q1 2025 earnings summary

Executive summary

• Achieved consolidated net income of KRW 184.4 billion for Q1 2025, with basic EPS of KRW 1,728, reflecting stable profitability year-over-year.

• Total assets reached KRW 30.3 trillion, up from KRW 29.5 trillion at the end of 2024, driven by growth in credit purchase and loan receivable assets.

• Maintained a strong capital adequacy ratio of 30.48%, well above regulatory minimums.

Financial highlights

• Q1 2025 consolidated revenue was KRW 1.07 trillion, with operating profit of KRW 244.9 billion.

• Net income attributable to owners was KRW 184.4 billion, with ROE at 8.36% and ROA at 2.47%.

• Credit purchase assets increased to KRW 18.8 trillion, and loan receivable assets to KRW 6.89 trillion.

• NPL ratio stood at 1.12%, and allowance coverage ratio at 107.03%.

Outlook and guidance

• The card business expects continued growth, supported by digitalization and personalized marketing.

• The installment and lease business aims to expand through digital channels and new partnerships, especially in auto finance.

• The company plans to maintain its dividend policy and strong capital base.