Samsung Card Co. Ltd. (029780) Fair Value & Analysis
Financial Services · KR · Market cap 5.0T KRW (≈ $3.5B) · ISIN KR7029780004
What is Samsung Card Co. Ltd. really worth?
Below-average quality, trading 41% below our fair value of 78,689 KRW.
Strengths
Risks
For context
Fair value as of: Sep 1, 2026
From 9 valuation models · updated 4 days ago
Share price −1.7% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
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 46,150 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.
Analysis
Samsung Card Co. Ltd. (029780) currently trades at 46,150 KRW, while our model-based Fair Value estimate is 78,689 KRW, implying the stock looks roughly 41.4% 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 46,150 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
Our scenario range runs from 59,017 KRW (bear case) to 98,362 KRW (bull case); at 46,150 KRW, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 30% below its 52-week high and 10% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at 71%, 029780 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 9 models by family
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
More key figures
Figures from reported company fundamentals · as of Sep 1, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 38 · Market factors (momentum, volatility) 42
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.
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Peer Group
Credit Services · 324 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Strength profile in five axes (Snowflake)
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Sep 1, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $334.16 | $206.40 | −38% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| SoFi Technologies, Inc SOFI | $18.06 | $5.02 | −72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
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