| Revenue growth | 4% YoY |
|---|---|
| Margins | NIM steady at 10.8% QoQ; Cost to Income at 58.7%. |
| Demand visibility | Retail spends higher, broad-based across categories. |
| Management confidence | High |
Growth
Revenue from operations grew 4% YoY to ₹5,141 Cr. PAT rose 75% YoY and 17% QoQ.
Outlook
CAR maintained at a comfortable 26.5%. Focus remains on UPI on RuPay and premium segment positioning.
Risks
Corporate spends declined 12% YoY and 37% QoQ. Receivable per card decreased 9% YoY.
Investor Presentation filed with NSE, NSE: SBICARD. Summary written with AI assistance from the document.
SBI Cards and Payment Services Ltd: key numbers
- Share price
- ₹527.55
- Market cap
- ₹50,204 Cr
- Revenue (annual)
- ₹19,900 Cr
- Net profit (annual)
- ₹2,167 Cr
- P/E (TTM)
- 19.2×Sector 19.7×
- Promoter holding
- 68.86%+0.00% QoQ
- FII holding
- 7.12%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from SBI Cards and Payment Services Ltd
All →SBI Cards and Payment Services Partnership
SBI Card, Air India and Visa announced a partnership to develop a co-branded Visa credit card. The program will offer travel benefits to Maharaja Club members.
SBI Cards and Payment Services Credit Rating
ICRA reaffirmed SBI Cards' AAA (Stable) ratings across its debt instruments and bank facilities. Matured NCDs were withdrawn with no outstanding amount.
SBI Cards and Payment Services Earnings Call Transcript: Key Takeaways
SBI Cards reported a strong 75% YoY profit jump driven by significantly lower credit costs, despite flat revenue growth and margin pressure from rising funding costs.
- Call
- Guides 18% growth
SBI Cards and Payment Services Results Update
SBI Card posted Q2 FY27 PAT of ₹778 Cr, up 75% YoY, on revenue of ₹5,302 Cr. Board-approved results show improved asset quality and capital adequacy.
SBI Cards and Payment Services Q2 FY27 Results: Net Profit ₹777.6 Cr, Up 74.8% YoY
SBI Cards and Payment Services Ltd reported revenue from operations of ₹5,140 Cr (+3.6% YoY) and net profit of ₹777.6 Cr (+74.8% YoY) for Q2 FY27.
- Key figure
- Net profit ₹777.6 Cr · +74.8% YoY
SBI Cards and Payment Services Board Meeting Date
SBI Cards scheduled its Board meeting for 23 Oct 2026 to consider unaudited Q2/H1 results. The trading window is closed from 1 Oct 2026 until 48 hours post-results.