SBI Cards and Payment Services (SBICARD) — Financial Results

SBI Cards reported Q3 FY'26 revenue of ₹5,127 crores (up 11% YoY) and net profit of ₹557 crores (up 45% YoY). Cards-in-force reached 2.18 crores with 8% YoY growth, while total spends surged 33% YoY to ₹1,14,702 crores. Gross NPA improved to 2.86% and gross credit cost declined to 8.3%. The company added 864,000 cards in Q3, maintaining market share at 18.8% for cards and 17.7% for spends. Management adopted a calibrated acquisition strategy, targeting 900,000–1 million cards quarterly, prioritizing profitability and credit quality over aggressive expansion.

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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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