Korea Credit Info, 1Q26 consolidated OP up 10.8%... Shareholder return via treasury stock disposal

1Q26 consolidated revenue KRW 43.8bn (+2.7% YoY), OP KRW 3.7bn (+10.8% YoY). Standalone: revenue KRW 42.8bn (+2.5%), OP KRW 3.2bn (+9.6%)
Consolidated net income KRW 2.7bn (-3.1% YoY), EPS KRW 186 (vs 197)
Debt ratio improved to 79.77% from 81.46% at year-end, strengthening financial structure
Granted 3,000 treasury shares to employees (gain KRW 23mn), continuing shareholder return after 11,400 shares disposed last quarter
7 pending lawsuits (KRW 296mn claim) but no provision recognized; management deems no material impact
Lending subsidiary Haengbok Dream: revenue KRW 0.98bn (+16.1% YoY), net income KRW 0.25bn (+3.3%)
Maintains 20.4% market share in debt collection (2025); preparing for 'corporate information inquiry' license
Sufficient liquidity: financial assets KRW 86.3bn vs financial liabilities KRW 28.1bn, supported by operating cash flow