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Samsung Card Co. Ltd. (029780) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Samsung Card Co. Ltd. KRW 78,689, price KRW 42,450, upside +85.4%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
  3. Add to watchlist

Financial Services · KR · ISIN KR7029780004

SC Some data Sep 24, 2026

Samsung Card Co. Ltd.

029780 · KO

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

✓Fair value 78,689 KRW · Strongly undervalued (+85%)
!Quality 46/100
!Weak Growth (revenue 5y −6.4 %/yr)
✓Highly profitable · 21.5% net margin (TTM)
!High debt · negative free cash flow
·6.60% 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
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

64,212 KRW 23,038 KRW Fair Value 78,689 KRW Apr 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 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 42,450 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 24, 2026.

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Company profile

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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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..

Stock analysis

Samsung Card Co. Ltd. (029780) currently trades at 42,450 KRW, while our model-based Fair Value estimate is 78,689 KRW, implying the stock looks roughly 46.1% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of 266,332 KRW per share, and 9 of the 9 models we run sit above the 42,450 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.

Scenario range: 59,017 KRW (bear) to 98,362 KRW (bull), the price of 42,450 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 5.0T KRW (≈ $3.5B) · P/S ratio 1.75 · Dividend yield 6.6% · Net margin 37.0% · Return on equity 7.2% · Return on assets (EBIT) −9.0% · Operating margin 53.5% · Revenue (TTM) 2.9T KRW.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades about 36% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 85%, 029780 screens cheaper than that median.

Fair Value models

Bear 59,017 KRW Fair Value 78,689 KRW Bull 98,362 KRW
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income 69,161 KRW 73,729 KRW 81,428 KRW 76
Owner Earnings 57,429 KRW 266,332 KRW 697,681 KRW 66
DDM Multi-Stage 26,933 KRW 48,167 KRW 61,279 KRW 66
All 9 models by family
DCF Models
Owner Earnings 57,429 KRW 266,332 KRW 697,681 KRW 66
Earnings-Based
Graham-Dodd 41,161 KRW 254,970 KRW 355,915 KRW 63
Lynch FV 73,260 KRW 104,657 KRW 136,054 KRW 61
Dividend Discount
Gordon GGM 26,933 KRW 58,800 KRW 98,933 KRW 65
DDM Multi-Stage 26,933 KRW 48,167 KRW 61,279 KRW 66
Multiples
P/E Multiple 59,017 KRW 78,689 KRW 98,362 KRW 63
P/B Multiple 77,176 KRW 102,902 KRW 128,627 KRW 55
Asset-Based
NCAV (Graham) 41,530 KRW 55,650 KRW 83,059 KRW 54
Economic Profit
Residual Income 69,161 KRW 73,729 KRW 81,428 KRW 76

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Quality Score breakdown

Overall quality 46/100

Of which business quality 38 · Market factors (momentum, volatility) 38

Profitability 33
Margins and returns on capital today
Quality Growth 53
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 14
Balance sheet, leverage, solvency risk
Investment 86
Disciplined investing over empire-building
Low Volatility 84
Calm price path (market factor)
Momentum 23
Price trend over the last 3–12 months (market factor)
52W Momentum 10
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

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%
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.
+16.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.1%
Dividend (yield on the price)6.6%
Profit margin 2013 to 2018 ⓘ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% → −70%
⚠ 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.

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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 · 332 stocks

Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 46 · Below median
Fair Value upside +85% · Top 25%
Profitability
Return on equity (TTM) 7% · Below median
Return on assets 2% · Below median
Net margin (TTM) 22% · Above median
Operating margin (TTM) 54% · Above median
Growth and dividend
Revenue growth 4% · Below median
Dividend yield (TTM) 6.6% · Top 25%
Balance sheet
Debt / equity 1.57× · Above median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 50
FUTURE (revenue growth)19 · sector 39
PAST (return on equity)29 · sector 32
HEALTH (low debt)22 · sector 58
DIVIDEND (yield)100 · sector 65

Context: sector, industry, market

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.

Stock Price Fair Value vs Fair Value
Visa Inc V $362.04 $227.35 −37%
Mastercard Incorporated MA $555.89 $356.78 −36%
American Express Company AXP $305.07 $206.40 −32%
Capital One Financial Corporation COF $200.55 $125.36 −37%
Bajaj Finance Limited BAJFINANCE ₹1,009 ₹1,142 +13%
PayPal Holdings PYPL $52.89 $99.46 +88%
Affirm Holdings AFRM $71.77 $16.24 −77%
Shriram Finance Limited SHRIRAMFIN ₹1,006 ₹1,424 +42%
Synchrony Financial, SYF $72.67 $137.28 +89%
SoFi Technologies, Inc SOFI $17.16 $5.57 −68%

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Samsung Card Co. Ltd. · Fair Value
78,689 KRW +46%Fair Value
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Cite: Fair Value Calculator (2026). "Samsung Card Co. Ltd. Fair Value". https://www.fairvalue-calculator.com/stock/029780

Frequently asked questions

Is Samsung Card Co. Ltd. (029780) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 78,689 KRW versus a price of 42,450 KRW, about +85% 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 24, 2026), built from audited fundamentals. The current price: 42,450 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 24, 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 +85% upside versus a price of 42,450 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 24, 2026).
Does Samsung Card Co. Ltd. pay a dividend?
Samsung Card Co. Ltd. currently shows a dividend yield of about 6.60% relative to its recent price (as of Sep 24, 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 24, 2026), against a price of 42,450 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 24, 2026, 029780 trades below its calculated fair value: price 42,450 KRW, fair value 78,689 KRW, a gap of about +85% (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 (42,450 KRW); the fair value is what the company's own numbers justify (78,689 KRW). For Samsung Card Co. Ltd. the two are 36,239 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 5.0T KRW (market capitalisation, as of Sep 24, 2026). Per share that is 42,450 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 24, 2026, price 42,450 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 24, 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 42,450 KRW, about 36% below its 52-week high of 65,927 KRW and 1% above the low of 42,062 KRW (as of Sep 24, 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 24, 2026: price 42,450 KRW, calculated fair value 78,689 KRW (+85%), 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 14.1 % above its aggregate fair value. Samsung Card Co. Ltd. currently trades 85 % 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 Sep 23, 2026 was 42,450 KRW. Our model-based fair value is 78,689 KRW, about +85% 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 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.

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 5.0T KRW (≈ $3.5B). 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 1.75 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Samsung Card Co. Ltd. (029780)?
The dividend yield of Samsung Card Co. Ltd. is 6.6%. 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 37.0% (fiscal year 2025). 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 7.2% (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 53.5% (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 +3.7% 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 −15.2% 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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