SBI Cards and Payment Services (SBICARD) — Financial Results

1 Financial Results 🔴 High Importance Neutral 📄 PDF

SBI Cards reported Q4 FY25 revenue of ₹4,832 crores, up 8% YoY, with PAT at ₹534 crores, reflecting a 19% decline from the prior year due to rising credit costs and impairments. The company highlighted 10% YoY growth in card-in-force to 2.08 Cr and 11% YoY increase in spends to ₹88,365 crores, while market share remained stable. Capital adequacy improved to 22.9%, and gross NPAs rose to 3.08% of advances.

2 Financial Results 🔴 High Importance Neutral 📄 PDF

SBI Cards reported a 7% YoY revenue increase to ₹18,637 crores for Q4 FY25, driven by 18% YoY retail spend growth and 10% YoY receivables growth, but net profit declined 20% YoY to ₹1,916 crores due to rising credit costs and provisions. The company maintained strong asset quality with GNPA at 3.08% and CAR at 22%.

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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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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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