Samsung Card Co. Ltd. (029780) fair value: what the stock is really worth
We calculate from audited financials what Samsung Card Co. Ltd. is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
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Below-average quality, trading 42% below our fair value of 78,689 KRW.
As of Sep 1, 2026, the fair value of Samsung Card Co. Ltd. is 78,689 KRW per share against a price of 45,600 KRW, so the fair value sits 73% above the price. A model estimate from reported figures, not an analyst target.
!Weak Growth (revenue 5y −6.4 %/yr)
✓Highly profitable · 21.5% net margin
!High debt · negative free cash flow
·6.14% dividend yield
!Mixed vs. peers (4/9)
!Moderate moat 61/100
!Evidence only medium, so the estimate is less certain
!Weak on future: 19 out of 100
!Weak on past: 29 out of 100
Evidence: MediumRange 59,017 KRW to 98,362 KRW
Fair value as of: Sep 1, 2026
From 9 valuation models · updated 10 days ago
Share price −3.5% over the past month.
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What matters now
The price is below even our cautious bear case (59,017 KRW). The market is more pessimistic than our downside scenario.
Solid quality (46/100) at a price below fair value, the discount is the argument here, not the business quality.
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 1, 2026.
How to read this chart
60‑month range 23,038 KRW – 64,212 KRW · fair‑value band 59,017 KRW – 98,362 KRW · the 45,600 KRW price screens below the 78,689 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 1, 2026.
Samsung Card Co. Ltd. (029780) currently trades at 45,600 KRW, while our model-based Fair Value estimate is 78,689 KRW, implying the stock looks roughly 42.0% undervalued today. The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector. Bull case: the DCF Models group reads highest at a median of 117,049 KRW per share, and 9 of the 9 models we run sit above the 45,600 KRW price. Bear case: the Dividend Discount group reads lowest at 48,167 KRW, and 0 of the 9 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Samsung Card Co. Ltd. generated revenue of 3.3T KRW at a net margin of 19.0%. Revenue grew 24.8% year over year. It earns a return on equity of 7.2%. Net debt stands at 19.4T KRW. Fundamentals as of Sep 1, 2026
Scenario range: 59,017 KRW (bear) to 98,362 KRW (bull), the price of 45,600 KRW sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 31% below its 52-week high and 8% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −47% fair-value upside, at 73%, 029780 screens cheaper than that median.
Fair Value models
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence
Highest evidence
Residual Income best evidence69,161 KRW73,729 KRW81,428 KRW76
Owner Earningsn/a117,049 KRW382,189 KRW73
DDM Multi-Stage26,933 KRW48,167 KRW61,279 KRW66
All 9 models by family
DCF Models
Owner Earningsn/a117,049 KRW382,189 KRW73
Earnings-Based
Graham-Dodd41,161 KRW254,970 KRW355,915 KRW63
Lynch FV73,260 KRW104,657 KRW136,054 KRW61
Dividend Discount
Gordon GGM26,933 KRW58,800 KRW98,933 KRW65
DDM Multi-Stage26,933 KRW48,167 KRW61,279 KRW66
Multiples
P/E Multiple59,017 KRW78,689 KRW98,362 KRW63
P/B Multiple77,176 KRW102,902 KRW128,627 KRW55
Asset-Based
NCAV (Graham)41,530 KRW55,650 KRW83,059 KRW54
Economic Profit
Residual Income best evidence69,161 KRW73,729 KRW81,428 KRW76
Widest divergence: DCF Models (117,049 KRW) versus Dividend Discount (48,167 KRW). Highest evidence: Residual Income (76).
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Key figures & financial health
P/S ratio1.75TTM
Dividend yield6.1%
Net margin37.0%FY2025
Return on equity7.2%TTM
Return on assets (EBIT)−9.0%avg 5y
Operating margin53.5%TTM
More key figures
Growth
Revenue (TTM)2.9T KRWTTM
Revenue growth (YoY)+3.7%3y avg −14.1%
EPS growth (YoY)−15.2%
Balance sheet & cash flow
Free cash flow−1.6T KRWFY2025
Net debt19.4T KRWFY2025
Figures from reported company fundamentals · as of Sep 1, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality46/100
Of which business quality 38
· Market factors (momentum, volatility) 43
Profitability33
Margins and returns on capital today
Quality Growth53
Are margins and returns improving?
Cashflow0
Earnings quality: real cash, not paper profit
Fin. Strength14
Balance sheet, leverage, solvency risk
Investment86
Disciplined investing over empire-building
Low Volatility84
Calm price path (market factor)
Momentum30
Price trend over the last 3–12 months (market factor)
52W Momentum18
Distance to the 52-week high (market factor)
Net Issuance82
Buybacks instead of dilution
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Samsung Card Co., Ltd. provides financial services in South Korea. It operates through Credit card, Installment and leasing, and Other operating segment.
Full company description
Samsung Card Co., Ltd. provides financial services in South Korea. It operates through Credit card, Installment and leasing, and Other operating segment. The company offers card payment services, such as credit card, debit card, and pre-paid cards; short-term and long-term card loans; and Installment services for electronics, consumer durables, industrial goods, and automobiles; and auto leasing, flat leasing, and rental services. It is also involved in providing general loan, debt cancellation and debt suspension, SMS notification, fraud protection, and asset-backed securitization services; Insurance sales agents; and services for shopping, travel, and wedding. The company was formerly known as Samsung Credit Card Co., Ltd. and changed its name to Samsung Card Co., Ltd. in July 1995. The company was incorporated in 1983 and is headquartered in Seoul, South Korea. Samsung Card Co., Ltd. is a subsidiary of Samsung Life Insurance Co., Ltd..
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Samsung Card Co. Ltd. reported revenue of 1.7T KRW in FY2025 versus 2.7T KRW in FY2021, a compound −10.2%/yr. Reported net income was 646B KRW in FY2025, compounding +4.1%/yr from FY2021.
Growth Quality 17/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
1.7T KRW
Latest YoY
+0.0%
Avg. revenue growth/yr (3Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−14.1%
Avg. revenue growth/yr (5Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−6.4%
Avg. revenue growth/yr (21Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−2.5%
Value creation/yr (5Y, in KRW) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year. Measured in KRW: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+16.2%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+10.1%
Dividend yield6.1%
Operating margin (EBIT) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−73.2% (2013) → −69.8% (2018) · rising
⚠ Revenue per share shrinking 5.8%/yr over ~6Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
This stockSector peers
VALUE100· sector 33
FUTURE19· sector 41
PAST29· sector 32
HEALTH22· sector 59
DIVIDEND100· sector 56
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Sep 1, 2026).
Is Samsung Card Co. Ltd. (029780) overvalued or undervalued?
As of Sep 1, 2026, our model estimates a fair value of 78,689 KRW versus a price of 45,600 KRW, about +73% upside (undervalued).
What is the fair value of 029780?
Our model-based fair value for Samsung Card Co. Ltd. is 78,689 KRW (as of Sep 1, 2026), built from audited fundamentals. The current price: 45,600 KRW.
What is the quality score of 029780?
Samsung Card Co. Ltd. has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Samsung Card Co. Ltd. (029780)?
Our model-based price target is the fair value of 78,689 KRW (as of Sep 1, 2026) from 9 valuation models. Cautious scenario 59,017 KRW, optimistic scenario 98,362 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Samsung Card Co. Ltd. stock forecast for 2026?
Our models put fair value at 78,689 KRW, about +73% upside versus a price of 45,600 KRW (undervalued). Cautious scenario 59,017 KRW, optimistic scenario 98,362 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Samsung Card Co. Ltd. (029780)?
Samsung Card Co. Ltd. reported trailing-twelve-month revenue of about 3.3T KRW (latest available figure, as of Sep 1, 2026).
What is the net profit margin of 029780?
The net profit margin of Samsung Card Co. Ltd. is about 19.0%, meaning it keeps roughly 19.0% of revenue as net income. Based on the latest reported figures.
Does Samsung Card Co. Ltd. pay a dividend?
Samsung Card Co. Ltd. currently shows a dividend yield of about 6.14% relative to its recent price (as of Sep 1, 2026).
What is the intrinsic value of Samsung Card Co. Ltd. (029780)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Samsung Card Co. Ltd. it is 78,689 KRW per share (as of Sep 1, 2026), against a price of 45,600 KRW. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Samsung Card Co. Ltd. stock overvalued or undervalued in 2026?
As of Sep 1, 2026, 029780 trades below its calculated fair value: price 45,600 KRW, fair value 78,689 KRW, a gap of about +73% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 029780?
No. The price is what the market pays today (45,600 KRW); the fair value is what the company's own numbers justify (78,689 KRW). For Samsung Card Co. Ltd. the two are 33,089 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Samsung Card Co. Ltd. worth?
The market values Samsung Card Co. Ltd. at about 4.9T KRW (market capitalisation, as of Sep 1, 2026). Per share that is 45,600 KRW; our models calculate a fair value of 78,689 KRW per share.
What do the bullish and bearish scenarios say about 029780?
Our models span a range for Samsung Card Co. Ltd.: cautious scenario 59,017 KRW, base 78,689 KRW, optimistic 98,362 KRW per share (as of Sep 1, 2026, price 45,600 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Samsung Card Co. Ltd. (029780)?
Balance-sheet figures for Samsung Card Co. Ltd. (as of Sep 1, 2026): return on equity 7.2%, debt of 1.57 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is 029780 from its 52-week high?
Samsung Card Co. Ltd. trades at 45,600 KRW, about 31% below its 52-week high of 65,927 KRW and 8% above the low of 42,062 KRW (as of Sep 1, 2026). Distance from the high says nothing about value: that is what the fair value of 78,689 KRW is for.
Which stocks are comparable to Samsung Card Co. Ltd.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Samsung Card Co. Ltd. stock attractive at the current price?
The data as of Sep 1, 2026: price 45,600 KRW, calculated fair value 78,689 KRW (+73%), Quality Score 46/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 029780 calculated?
We run Samsung Card Co. Ltd. through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 78,689 KRW, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 32.6 % above its aggregate fair value. Samsung Card Co. Ltd. currently trades 73 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on <a href="/is-it-worth-investing-now/">is it worth investing now</a>.
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