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Samsung Card FY 2025 Annual Report
Beta

Filed: March 11, 2026· period ending December 31, 2025DART
Samsung Card Overview

Samsung Card annual report for FY 2025, filed with DART (Korea Financial Supervisory Service) on March 11, 2026. This page provides AI-powered English analysis including business overview, management discussion & analysis (MD&A), risk factors, and KIFRS consolidated financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE).

Samsung Card FY 2025 Annual Report Analysis

Business Overview

  • • Samsung Card (삼성카드): credit card issuer serving ~13.52M members and ~3.06M merchants, revenue split ~57% credit sales / ~25% financial income / ~5% lease
  • • Personal credit card volume grew to KRW 141.8T in FY2025, up 9.1% YoY from KRW 130.0T, boosted by government stimulus coupons

Management Discussion & Analysis

  • • Samsung Card FY2025 operating revenue KRW 4.3829T (flat YoY, -KRW 0.3B); pre-tax profit KRW 858.0B; net income KRW 643.8B (-KRW 17.5B, -2.6% YoY)
  • • Credit sales volume KRW 160.9T (+7.95% YoY) and card finance volume KRW 17.6T (+6.5% YoY) drove asset growth; amortized-cost financial assets rose KRW 2.4207T to KRW 28.3625T

Samsung Card FY 2025 Key Financial Metrics
DART

Total Assets

KRW 32.17T

▲ +9.1% YoY

Operating Cash Flow

-KRW 1.58T

▼ -88.0% YoY

CapEx

KRW 12.1B

▲ +93.8% YoY

Source: KIFRS consolidated financial data from Samsung Card annual report on DART. All figures in KRW.

Source: DART (Korea Financial Supervisory Service) · AI summaries generated from the original Korean filing (English output) · Beta: coverage is expanding