Samsung Card (A029780) Q3 2025 earnings summary

Executive summary

• Achieved cumulative operating revenue of KRW 3,332.5 billion for 2025 Q3, with net income attributable to owners at KRW 497.3 billion, reflecting a year-over-year decline from KRW 664.6 billion in 2024 Q3.

• Total assets increased to KRW 32,326.5 billion, up from KRW 29,494.1 billion at the end of 2024.

• The company maintained a strong capital adequacy ratio of 29.56%, well above regulatory minimums.

Financial highlights

• Operating income for 2025 Q3 was KRW 659.0 billion, down from KRW 885.4 billion in 2024 Q3.

• Net interest income for the cumulative period was KRW 1,077.6 billion, with net fee and commission income at KRW 620.1 billion.

• Basic and diluted EPS for the period were KRW 4,661, compared to KRW 6,228 in the prior year.

• Adjusted profit after regulatory reserve for credit loss was KRW 429.8 billion.

Outlook and guidance

• The company issued bonds and short-term notes totaling KRW 2,060 billion after the reporting period to secure liquidity.

• Dividend policy remains stable, with a payout ratio around 45% and no current plans for share buybacks or cancellations.