SBI Cards and Payment Services (SBICARD) — Financial Results

SBI Cards reported a 32% YoY jump in Q4 FY25 net profit to ₹534 crores, driven by strong revenue growth of ₹4,832 crores (+18% YoY) and improved asset quality. The company added over 1 million new cards in Q4, reaching 2 crore total cards by December 2024, with retail spend hitting ₹80,000 crores in the quarter. Stage 2 delinquencies fell by ₹282 crores and Stage 3 by ₹59 crores, reflecting better credit risk management. Despite stable net interest margins with an upward bias, credit cost normalization remains tied to macro conditions. Management targets a 55-57% cost-to-income ratio and projects 12-14% receivable growth for the upcoming fiscal year.

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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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