Samsung Card (A029780) Q1 2026 earnings summary

Executive summary

• Achieved Q1 2026 consolidated net income of KRW 156.3 billion, with basic EPS of KRW 1,465, down from KRW 184.4 billion and EPS of KRW 1,728 in Q1 2025.

• Total assets reached KRW 33.85 trillion, up from KRW 32.17 trillion at the end of 2025.

• Maintained a strong capital adequacy ratio of 28.17%, well above regulatory minimums.

Financial highlights

• Q1 2026 consolidated revenue was KRW 1.29 trillion, up from KRW 1.07 trillion in Q1 2025.

• Operating profit was KRW 210.0 billion, compared to KRW 244.9 billion in Q1 2025.

• Net interest income rose to KRW 363.5 billion from KRW 351.8 billion year-over-year.

• Net fee and commission income increased to KRW 230.3 billion from KRW 210.3 billion year-over-year.

• Bad debt expense increased to KRW 181.8 billion from KRW 174.0 billion year-over-year.

Outlook and guidance

• Management aims to maintain a stable dividend policy, with a payout ratio of 46.3% in 2025.

• Plans to sustain current dividend levels and enhance shareholder value.