SBI Cards and Payment Services (SBICARD) — Financial Results

1 Financial Results 🔴 High Importance Neutral 📄 PDF

{ "summary": "SBICARD reported total revenue of ₹5,035 crores, up 12% YoY, while net profit fell 6% to ₹556 crores in Q1 FY26, reflecting margin pressure despite revenue growth.", "extractedFields": { "keyEvent": "SBICARD reports 12% YoY revenue growth to ₹5,035 crores and 6% YoY PAT decline to ₹556 crores in Q1 FY26", "whatChanged": "Revenue grew 12% YoY to ₹5,035 crores; PAT declined 6% YoY to ₹556 crores; ROAA fell to 3.4% from 4.1%; CRAR improved to 23.2% from 20.6%", "forwardGuidance": "null", "investorTakeaway": "Revenue growth is offset by declining profitability and rising credit costs, signaling margin pressure for shareholders", "sentiment": "neutral" }

2 Financial Results 🔴 High Importance ✨ Positive 📄 PDF

SBI Cards reported a 21% YoY revenue increase to ₹93,244 crores in Q1 FY26, driven by 6% YoY growth in PAT to ₹56,607 crores. Key profitability metrics improved with ROA at 3.4% and NIM at 11.2%, while credit costs rose to 9.6% due to higher provisioning. The company added 1.92 lakh new accounts, with retail spends growing 7% YoY and UPI transactions surging 21%.

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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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