SBI Cards and Payment Services (SBICARD) — Financial Results

1 Financial Results 🔴 High Importance ✨ Positive 📄 PDF

SBI Card reported Q3 FY26 PAT of ₹557 crores, up 45% YoY, with total revenue growing 12% YoY to ₹5,353 crores. Total spends surged 33% YoY to ₹1,14,702 crores, while cards-in-force grew 8% YoY to 2.18 crores. ROAE improved to 14.7% from 11.5% YoY. Gross NPAs declined to 2.86% from 3.24% YoY. Capital adequacy ratio strengthened to 24.4% with Tier I at 19.1%.

2 Financial Results 🔴 High Importance ✨ Positive 📄 PDF

SBI Cards reported Q3 FY26 net profit of ₹557 crores, up 45% YoY and 25% QoQ, driven by strong retail spends growth and improved asset quality. Revenue from operations reached ₹5,127 crores (11% YoY), while cards-in-force grew 26% YoY to 8.64 crores. Gross credit cost improved to 8.3% from 9.0% previously, and return on average equity strengthened to 14.7%. Cost-to-income ratio improved to 56.8%, reflecting operational efficiency gains.

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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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🔥 Also filed on 28 January 2026

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

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