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Samsung Card

A029780 · KOSPI
₩47,000-0.74%
2026-08-03 close

Samsung Card — pricey right now, or cheap? And what signals are flashing today?

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AI Insight

Why these signals fired — only backtest-proven edge, told honestly

Why this signalSignal guide

Moving-average alignment
No

No active signal.

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Strong-buy signal — the real recordrecord · not a prediction

Not this one stock, but every strong-buy pick we actually published (Korea market). When this stock flashes the signal, it is treated by the same rule.(as of 2026-08-03)

Last 30 sessions
648 picks
Next-day win rate
49.2%
Avg next-day
-0.17%
vs market
+0.72%p

Beat the market on 62.1% of picks (each pick vs its own day’s market average).

Recent publish days (next-day win rate)
07-31 0%07-30 66.7%07-29 0%07-28 45%07-27 20%07-25 36.4%07-21 55.6%07-20 53.8%07-16 53.3%07-15 50%07-14 71.4%07-13 31.2%
This stock has not flashed this signal recently — the record above is the signal’s own, not this stock’s.

Entry is the latest close at publish time; next-day is the following close. “Market” is the equal-weighted average of every stock in the same market that day; delisted names are excluded from both. Fees, taxes and slippage are not included. An observed record over a short window, not a pre-registered backtest. Not investment advice.

Valuation Grades

Relative to 35 은행 peers · not investment advice

Pro unlocks the composite grade, 5 factors and sector rank · ₩19,900/mo

Valuation in its own history

PER 8.19 · PBR 0.64 — own history (2007-06~) percentiles 64/100 · 47/100

PER64/100
PBR47/100

Higher indicates lower valuation relative to its history (based on earnings and book yields).

Earnings percentiles can fluctuate for cyclical companies (including loss periods), so the book basis is shown alongside. Companies with large share buybacks can have structurally high PBR. Factual information, not investment advice.

Annual dividend

Split-adjusted annual DPS history and available grade axes

Annual dividend per share chart2008: 1,000원20082009: 600원2010: 1,200원2011: 1,500원2012: 700원2013: 700원2014: 700원2015: 1,000원20152016: 1,500원2017: 1,500원2018: 1,500원2019: 1,600원2020: 1,600원20202021: 1,800원2022: 2,300원2023: 2,500원2024: 2,500원2025: 2,800원2,800원2025
Annual dividend (per share · split-adjusted) · as of 2025
Consistency
A-
Growth
B
Yield
A
Safety
A
Reference indicatorView observed cut rates

Paid 18 consecutive years · Raised 1 consecutive years · Yield 5.96% (based on 2025 payment of 2,800원) · 3-year growth +6.8%

Per-share amount adjusted for splits and capital reductions · Factual information, not investment advice.

Financial safety

Reference indicatorAs of 2024
Grey zoneFinancial-metric reference signal
Altman Z'' zoneZ'' 1.31
Distress
Grey
Safe
The marker shows the current Z'' value within the displayed zones.
Altman Z''
1.31
Beneish M-Score
-2.08

No statistical flag

Sloan accrual
5.09%

부실·조작 위험을 나타내는 사실 지표입니다. 투자 조언이 아니며, 검증 전이라 참고용입니다.

Factual information, not investment advice.

Earnings quality · Piotroski F-Score

5/9Moderate

Piotroski measures year-over-year financial improvement, not absolute quality.

Financial improvement score5/9

Profitability

  • Positive ROAPass
  • Positive OCFNot passed
  • Improving ΔROAPass
  • Accruals (OCF > net income)Not passed

Leverage & liquidity

  • Lower debtPass
  • Higher current ratioNot passed
  • No new sharesPass

Efficiency

  • Higher gross marginNot passed
  • Higher asset turnoverPass

Calculation note: F7(신주)은 equity/asset 유지로 근사

Already-stable companies may score lower when year-over-year improvement is limited.

Factual information, not investment advice.

Forensic signals

Anomaly and structural signals observed in the financial statements.

Revenue qualityDanger

매출 흑자인데 영업CF 적자 (OCF/매출 -19%). 통계적 정황 신호이며 회계부정 단정이 아닙니다.

Factual information, not investment advice.

Industry structure

KRAs of 2026-08-03

은행

This stock is in 은행: revenue rank 1 of 21, share 55.4%.

1 / 2155.4%revenue share

Who dominates this industry?

  1. 1삼성카드55.4%
  2. 2SK디앤디11%
  3. 3상상인11%
  4. 4리드코프5.3%
  5. 5한국토지신탁3%

Concentration

ConcentratedCR3 77.4%
HHI 3,37121 revenue members

HHI and CR3 are separate industrial-organization facts; they are not the polarization verdict.

Polarization

MixedConsistent

Polarization measures industry gaps and structure, not valuation, forecast, or investment advice.

Margin lens

IQR%p
10.26
Direction
축소
Level
보통
Years
6

Value lens

P90/P10
5.9
Median P/B
0.94
Level
보통
n
21

Survivorship note: 현재 산업 멤버십을 과거 연도에 소급 적용 — 과거 진입·퇴출 기업 미반영(복원 불가)

Factual information, not investment advice.

Risk sensitivity — adverse assumptions

Metric changes under stated assumptions; not a forecast or investment advice.

Base metrics

Operating margin
20.2%
Interest coverage
4x
Return on equity (ROE)
7.8%

Operating margin −5pp

Tolerable
Interest coverageBase 4x adverse case 3x
Return on equity (ROE)Base 7.8% adverse case 5.3%

Revenue −15%

Tolerable
Interest coverageBase 4x adverse case 3.4x
Return on equity (ROE)Base 7.8% adverse case 6.3%

Interest rate +2pp

Interest coverage risk
Interest coverageBase 4x adverse case 1.4x
Return on equity (ROE)Base 7.8% adverse case 2.9%

Interest coverage limit

Current margin 15.2pp

Interest coverage limit at an operating margin of 5%

Interest expense coverage threshold

Financials at a glance

Samsung Card's latest results and balance sheet. The bars track the last three periods.

Who held it · filings

Filed record

A historical record from curated-guru 13F filings and DART 5%+ major-holding disclosures.

US 13F는 분기 공시이며 최대 45일 뒤 제출될 수 있습니다.

5%+ major-holding disclosures

  • 삼성생명71.87%2025-04-02 · 증감 0.00%p
  • 국민연금공단6.02%2024-10-07 · 증감 +1.02%p

Connections

AI-extracted related companies · for reference

Customers
삼성전자Apple쿠팡
Competitors
삼성생명신한카드KB국민카드현대카드하나카드롯데카드BC카드
Same theme
네이버카카오
🔗 See in the full market map →

📦 ETFs holding this stock

by weight · top-10 constituents basis

Passive money holding this stock ≈ 1,639억 · 1w net inflow ≈ -3억(lower bound — top-10 basis, not a forecast)

Factual holdings info from daily disclosures — not a recommendation.

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Recent filings

Samsung Card's latest filings on Korea's DART. Open a headline for a reference summary and the original.

Source: DART (Korea electronic disclosure)

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