Samsung Card (A029780) Q2 2025 earnings summary

Executive summary

• Report covers the semi-annual period ending June 30, 2025, for a major credit card and financial services provider.

• The company operates credit card, installment/lease, and other financial service segments, with 13 consolidated subsidiaries.

• Maintains a strong market position with 13.36 million card members and 3.03 million merchants.

Financial highlights

• Consolidated revenue for H1 2025: KRW 2,324.6 billion, down from KRW 4,383.2 billion in H2 2024.

• Operating profit: KRW 445.4 billion (H1 2025), down from KRW 885.4 billion (H2 2024).

• Net income attributable to owners: KRW 335.6 billion (H1 2025), down from KRW 664.6 billion (H2 2024).

• Basic EPS: KRW 3,145 (H1 2025), compared to KRW 6,228 (H2 2024).

• Total assets: KRW 30,964.1 billion; total equity: KRW 8,526.7 billion as of June 30, 2025.

Outlook and guidance

• Consumer sentiment is recovering, with personal credit card transaction volume up 10.6% year-over-year.

• Corporate card volume declined 2.4% year-over-year due to lower general expenses and purchasing.

• Card loan balances increased 7.0% year-over-year, with a focus on high-quality customers.

• The company expects continued growth in digital and data-driven services, and is preparing to enter the corporate credit information market.