Samsung Card삼성카드

Samsung Card's latest quarter shows lower profit, and the shares sit near their 52-week low.

Samsung Card is a Korean credit card and consumer finance company with about 13.5 million cardholders. Filings and news published on 27 October 2026 report Q3 net profit of ₩139.8B, down 13.5% on higher financial costs, and cumulative net profit of ₩450.3B, down 9.5% year on year. The shares closed at ₩41,550, close to the 52-week low of ₩40,700 and well below the high of ₩69,200.

What stands out

• Trailing twelve-month net income is about ₩649B and operating income about ₩827B, with ROE at 7.5%.
• Borrowings are about ₩19.8T against equity that gives a liabilities-to-equity ratio of 292.2%, so the business runs on heavy debt.
• Trailing free cash flow is negative at about ₩-3.0T, and the data does not explain the cause.
• The stock trades at a P/E of 7.4 and P/B of 0.5, with a 6.7% dividend yield, below most listed securities peers shown in the data.
• Foreign ownership eased from 5.5% to 5.0% over 60 days, and 20-day foreign flows were net negative.

What to watch

• The full Q3 and preliminary consolidated earnings details, including what drove higher financial costs.
• The new shelf registration, prospectus and securities issuance filings, which may point to new funding.
• Related-party transaction filings and the Marriott co-branded card launch, whose expected uptake (about 9,000 cards in year one) is a company target rather than a result.