Samsung Card Co. Ltd. (029780) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Samsung Card Co. Ltd. stock KRW 73,701, price KRW 42,050, upside +75.3%, quality 46 out of 100. Rating: strongly undervalued. Calculated from audited financials with 8 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range 23,038 KRW – 64,212 KRW · fair‑value band 59,017 KRW – 80,752 KRW · the 42,050 KRW price screens below the 73,701 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Samsung Card Co., Ltd. provides financial services in South Korea. It operates through Credit card, Installment and leasing, and Other operating segment.
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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..
Stock analysis
Samsung Card Co. Ltd. (029780) currently trades at 42,050 KRW, while our model-based Fair Value estimate is 73,701 KRW, implying the stock looks roughly 43% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 73,701 KRW per share, and 5 of the 7 models we run sit above the 42,050 KRW price.
Bear case: the Dividend Discount group reads lowest at 30,637 KRW, and 2 of the 7 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 59,017 KRW (bear) to 80,752 KRW (bull), the price of 42,050 KRW sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
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.
Key figures
Market cap 4.5T KRW (≈ $3.3B) Mid · P/E ratio 7.4 · P/S ratio 1.55 · EPS (TTM) 5,817 KRW · Dividend yield 6.7% · Net margin 21.5% · Return on equity 7.1% · Return on assets (EBIT) −9.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).
What moves the price
The share trades about 35% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 75%, 029780 screens cheaper than that median.
Fair Value models
Bear59,017 KRWFair Value 73,701 KRWBull80,752 KRW
Price 42,050 KRW · Upside +75.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (2,579 KRW per share) are deliberately not added.Bear ⓘ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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.17/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+0.0%
Revenue growth 3 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
−14.1%
Revenue growth 5 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
−6.4%
Start year 2020 (pandemic)
Revenue growth 21 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
−2.5%
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What shareholders gained per year (last 5 years), in KRW ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. 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.
+16.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.1%
Dividend (yield on the price)6.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.10.1% vs 6.6%, picking up
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 6.4%/yr over ~7Y (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.
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Credit Services · 283 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score46 · Below median
Fair Value upside+75.3% · Above median
Profitability
Return on equity (12 months)7.1% · Below median
Return on assets2.0% · Below median
Net margin (12 months)21.5% · Below median
Operating margin (12 months)38.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)3.2% · Below median
Dividend yield (12 months)6.7% · Top 25%
Balance sheet
Debt / equity1.57× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Samsung Card Co. Ltd. (029780) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 73,701 KRW versus a price of 42,050 KRW, about +75% upside (undervalued).
What is the fair value of 029780?
Our model-based fair value for Samsung Card Co. Ltd. is 73,701 KRW (as of Nov 6, 2026), built from audited fundamentals. The current price: 42,050 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 73,701 KRW (as of Nov 6, 2026) from 8 valuation models. Cautious scenario 59,017 KRW, optimistic scenario 80,752 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 73,701 KRW, about +75% upside versus a price of 42,050 KRW (undervalued). Cautious scenario 59,017 KRW, optimistic scenario 80,752 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 2.9T KRW (latest available figure, as of Nov 6, 2026).
Does Samsung Card Co. Ltd. pay a dividend?
Samsung Card Co. Ltd. currently shows a dividend yield of 6.66% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Samsung Card Co. Ltd. (029780) and when is the ex-dividend date?
Samsung Card Co. Ltd. pays a dividend of 2,800 KRW per share a year, a dividend yield of 6.7%. The last ex-dividend date was Mar 25, 2026. The payout ratio is 48.1% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
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 73,701 KRW per share (as of Nov 6, 2026), against a price of 42,050 KRW. It is the blended result of 8 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Samsung Card Co. Ltd. stock overvalued or undervalued in 2026?
As of Nov 6, 2026, 029780 trades below its calculated fair value: price 42,050 KRW, fair value 73,701 KRW, a gap of about +75% (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 (42,050 KRW); the fair value is what the company's own numbers justify (73,701 KRW). For Samsung Card Co. Ltd. the two are 31,651 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 4.5T KRW (market capitalisation, as of Nov 6, 2026). Per share that is 42,050 KRW; our models calculate a fair value of 73,701 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 73,701 KRW, optimistic 80,752 KRW per share (as of Nov 6, 2026, price 42,050 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 029780?
Samsung Card Co. Ltd. trades at a price-to-earnings ratio of 7.4 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 73,701 KRW is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 9.0. Other multiples: P/B 0.5, P/S 1.6.
How solid is the balance sheet of Samsung Card Co. Ltd. (029780)?
Balance-sheet figures for Samsung Card Co. Ltd. (as of Nov 6, 2026): return on equity 7.1%, 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 42,050 KRW, about 35% below its 52-week high of 64,212 KRW and 3% above the low of 40,750 KRW (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 73,701 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 Nov 6, 2026: price 42,050 KRW, calculated fair value 73,701 KRW (+75%), Quality Score 46/100, from 8 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 8 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 73,701 KRW builds on their evidence-weighted average, 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 13.0% above its aggregate fair value. Samsung Card Co. Ltd. currently trades 43% 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 is it worth investing now.
What is the share price of Samsung Card Co. Ltd. (029780)?
The closing price on Nov 6, 2026 was 42,050 KRW. Our model-based fair value is 73,701 KRW, about +75% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Samsung Card Co. Ltd. right now?
The large discount to fair value meets weak quality (46/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (59,017 KRW). The market is more pessimistic than our downside scenario. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Samsung Card Co. Ltd.
How large is the market capitalisation of Samsung Card Co. Ltd. (029780)?
The market capitalisation of Samsung Card Co. Ltd. is 4.5T KRW (≈ $3.3B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Samsung Card Co. Ltd. (029780)?
The price-to-sales ratio of Samsung Card Co. Ltd. is 1.55 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Samsung Card Co. Ltd. (029780)?
Earnings per share at Samsung Card Co. Ltd. are 5,817 KRW (price ÷ EPS = P/E 7.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Samsung Card Co. Ltd. (029780)?
The dividend yield of Samsung Card Co. Ltd. is 6.7% (payout 48.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Samsung Card Co. Ltd. (029780)?
The net margin of Samsung Card Co. Ltd. is 21.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Samsung Card Co. Ltd. (029780)?
The return on equity (ROE) of Samsung Card Co. Ltd. is 7.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Samsung Card Co. Ltd. (029780)?
On an EBIT basis the return on assets of Samsung Card Co. Ltd. is −9.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Samsung Card Co. Ltd. (029780)?
The operating margin of Samsung Card Co. Ltd. is 38.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Samsung Card Co. Ltd. (029780)?
Revenue at Samsung Card Co. Ltd. is growing +3.2% versus a year earlier (3y avg −14.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Samsung Card Co. Ltd. (029780)?
Earnings per share at Samsung Card Co. Ltd. are growing +2.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Samsung Card Co. Ltd. (029780) generate?
The free cash flow of Samsung Card Co. Ltd. is −1.6T KRW (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Samsung Card Co. Ltd. (029780) carry?
The net debt of Samsung Card Co. Ltd. is 19.4T KRW (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 6, 2026