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Hyundai Card Q3 cumulative net profit rises 8.2% to 275.8 billion won
Коротко
Hyundai Card reported cumulative net profit of 275.8 billion won for the first three quarters of 2026, up 8.2% from a year earlier according to most outlets. Total handled volume rose 2.7% to 146.4085 trillion won. The company said it is the only card company whose profit has risen four years in a row.
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Hyundai Card said its cumulative net profit for the first three quarters of 2026 was 275.8 billion won, up 8.2% from a year earlier, according to Yonhap, Newsis and Asia Economy. Chosun Ilbo and Maeil Business put the increase at 8.1%. Newsis gave the prior-year figure as 255.0 billion won. Yonhap said the company disclosed the results on the 29th. [ 1 , 2 , 3 , 4 , 5 ]
Total handled volume rose 2.7% to 146.4085 trillion won. Credit sales, meaning lump-sum plus instalment purchases, were 136.3004 trillion won, and financial products, meaning cash advances and card loans, were 10.1081 trillion won. Newsis reported that credit sales rose 2.8% and financial handling rose 1.4%. Maeil Business split credit sales into 117.8766 trillion won in lump-sum payments and 18.4237 trillion won in instalments. [ 1 , 2 , 3 , 5 ]
Newsis and Chosun Ilbo reported cumulative operating revenue of 3.408 trillion won, up 13%. Newsis put operating profit at 366.5 billion won, up 11.5%. Chosun Ilbo said operating costs rose 13.1% to 3.0414 trillion won. Membership reached 12.87 million, up 2%; Newsis said this was a gain of 260,000 primary members. [ 1 , 2 , 4 , 5 ]
The delinquency rate for one month or more was 0.75%. Yonhap said this was down 0.09 percentage points from 0.84% in the previous quarter. Newsis, Chosun Ilbo and Asia Economy said it was down 0.04 points from 0.79% a year earlier. Maeil Business, which cited a 30-day measure excluding refinance loans, gave the same year-on-year comparison and said the rate including refinance loans fell from 1.16% to 1.06%. [ 1 , 2 , 3 , 4 , 5 ]
A Hyundai Card official said it is the only card company whose profit has risen four years in a row. The official credited stronger product competitiveness, a tech transition and a more varied portfolio, and said risk management centred on soundness keeps the delinquency rate at the lowest level in the industry. Yonhap and Asia Economy also reported the company's statements on its own-brand alphabet card, premium card expansion, the 'PLCC 2.0' strategy, exports of its UNIVERSE AI and data science software, and a new investment finance business. [ 1 , 2 , 3 , 4 , 5 ]
Maeil Business said third-quarter profit alone was 90.6 billion won, up 1.2% from 89.5 billion won, and operating revenue was 1.0708 trillion won, up 20.2%. It said cumulative credit-loss costs rose 17.2% to 509.4 billion won, which it described as a continuing cost burden, and that loan-loss reserves stood at 970.4 billion won. [ 3 ]
Newsis and Asia Economy also reported on affiliate Hyundai Commercial, whose cumulative net profit fell 6.2% to 160.8 billion won. Its total assets rose 9.9% to 11.197 trillion won, with investment finance assets up 38.0%. Its delinquency rate rose to 1.00% from 0.79% a year earlier. [ 2 , 5 ]
Почему это важно
The figures show a card company growing profit, volume and membership while reporting a lower delinquency rate. Maeil Business noted that credit-loss costs rose 17.2%, and affiliate Hyundai Commercial reported lower profit and a higher delinquency rate.
Ключевые факты
- Hyundai Card's cumulative third-quarter net profit was 275.8 billion won, up 8.2% from a year earlier (Yonhap, Newsis, Asia Economy); Chosun Ilbo and Maeil Business give 8.1%. [ 1 , 2 , 3 , 4 , 5 ]
- Total handled volume rose 2.7% to 146.4085 trillion won, of which credit sales were 136.3004 trillion won and financial products 10.1081 trillion won. [ 1 , 2 , 5 ]
- Cumulative operating revenue was 3.408 trillion won, up 13.0%, and operating profit was 366.5 billion won, up 11.5%. [ 2 ]
- Membership was 12.87 million, up 2% from a year earlier. [ 1 , 2 , 4 , 5 ]
- The delinquency rate of one month or more was 0.75%. [ 1 , 2 , 4 , 5 ]
- A Hyundai Card official said it is the only card company whose profit has risen four years in a row. [ 1 , 2 , 3 , 4 , 5 ]
- Affiliate Hyundai Commercial's cumulative net profit fell 6.2% to 160.8 billion won. [ 2 , 5 ]
Подтверждено несколькими источниками
- Hyundai Card said its cumulative third-quarter net profit was 275.8 billion won, up from a year earlier. [ 1 , 2 , 3 , 4 , 5 ]
- Total handled volume was 146.4085 trillion won, up 2.7%. [ 1 , 2 , 5 ]
- Hyundai Card said it is the only card company with four consecutive years of rising profit and that it keeps its delinquency rate at the lowest level in the industry. [ 1 , 2 , 3 , 4 , 5 ]
- Hyundai Commercial's cumulative net profit fell 6.2% to 160.8 billion won, and its delinquency rate rose to 1.00% from 0.79%. [ 2 , 5 ]
Пока неясно
- The growth rate of cumulative net profit: 8.2% or 8.1%. Yonhap, Newsis and Asia Economy give 8.2%; Chosun Ilbo and Maeil Business give 8.1%. Newsis puts the prior-year figure at 255.0 billion won.
- What the 0.75% delinquency rate is compared with. Yonhap says it fell 0.09 percentage points from the previous quarter (0.84%). Newsis, Chosun Ilbo, Asia Economy and Maeil Business say it fell 0.04 points from 0.79% a year earlier. Maeil Business describes it as 30 days or more, the others as one month or more.
- Third-quarter stand-alone results (profit of 90.6 billion won, operating revenue of 1.0708 trillion won, up 20.2%). Only Maeil Business gives these, saying it derived them from the company's release and first-half results. Its text also contains a passage that refers to 2023.
- Credit-loss costs of 509.4 billion won, up 17.2%, and loan-loss reserves of 970.4 billion won. Only Maeil Business reports these figures.