SBI Cards and Payment Services (SBICARD) — Financial Results

SBI Cards reported ₹4,767 crores revenue and ₹383 crores PAT for Q3 FY25, up 10% YoY and 32% YoY respectively, driven by 2 crore cards-in-force and 10% retail spend growth. GNPA stood at 3.24%, with cost of funds at 7.4%. Management noted improving delinquency trends and Stage 2/3 delinquencies at INR4,900 crores, up from INR4,300 crores at year-end. FY26 receivables growth is guided at 12-15%, with cost-to-income ratio expected to rise to 52-55%. Operational updates include fortnightly bureau monitoring and credit limit adjustments for stressed customers.

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About SBI Cards and Payment Services Limited (SBICARD)

Financial Services · Finance · Listed on NSE

Market Cap: ₹59,570.5 Cr P/E: 27.5

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