Financial Results
SBI Cards Publishes September 2026 Results
SBI Cards & Payment Services published newspaper advertisements containing its unaudited financial results for the quarter and half year ended September 30, 2026.
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Finance
Non Banking Financial Company (NBFC)
51,865 Cr
High Risk
19.9
15.4
1.6
3.3
914.10
525.25
Sales CAGR
Profit CAGR
ROE
ROCE

Financial Results
SBI Cards & Payment Services published newspaper advertisements containing its unaudited financial results for the quarter and half year ended September 30, 2026.
Earnings Call/Transcript
SBI Cards & Payment Services Ltd provided the audio recording link of its Q2 FY27 earnings call held on 2026-10-23 at 04:00 PM.
Credit Rating
SBI Cards & Payment Services: ICRA has reaffirmed [ICRA]AAA (Stable) on multiple debt instruments and [ICRA]A1+ for short-term lines; rating on Rs.800 crore NCDs reaffirmed and withdrawn as matured (Oct 23, 2026).
Financial Results
SBI Cards & Payment Services Ltd: Board approved Q2 FY27 results on 2026-10-23. Total income ₹5,302 Cr; PAT ₹778 Cr (up 75% YoY); RoAA 4.4%, RoAE 18.4%; CAR 26.5%; cards-in-force 2.32 Cr.
Investor Presentation
SBI Cards & Payment Services Ltd filed its Q2 FY27 investor presentation (quarter ended Sep 30, 2026) highlighting PAT ₹778 Cr (▲75% YoY), new accounts 11.06 lacs, GNPA 1.90%; presentation uploaded on company website.
Financial Results
SBI Cards & Payment Services Ltd: Board approved unaudited financial results for the quarter and half year ended Sep 30, 2026; limited review reports enclosed and results uploaded on BSE, NSE and company website.
SBI Cards & Payment Services Ltd (SBICARD) is currently trading at 538.05 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
SBI Cards and Payment Services Limited is India’s leading credit card issuer that designs, issues and services a diversified portfolio of branded and co-branded credit cards, leveraging State Bank of India promoter support and wide digital and physical acquisition channels to provide payment and credit products to retail and corporate customers. In Q2 FY27 SBI Card reported strong operating momentum with 11.06 lakh new accounts (up 18% YoY), cards-in-force of 2.32 crore, receivables of ₹58,376 crore and revenue from operations of ₹5,141 crore, reflecting continued scale in acquisition and transaction volumes across retail and corporate segments. Profitability improved materially: PAT for Q2 FY27 was ₹778 crore (▲75% YoY, ▲17% QoQ), ROAE rose to 18.4% and ROAA to 4.4%, driven by lower credit costs (gross credit cost 5.6%) and stable cost-to-income at 58.7%, while CAR remained comfortable at 26.5% indicating strong capital buffer for growth. Strategic product and distribution initiatives—Google Pay Flex, secured card digital journey on YONO, partnership-driven co-brands and expanded RuPay UPI activity—signal management’s dual focus on digital innovation and high-impact partnerships to accelerate card sourcing, increase spend per card and capture rising UPI flows on its card base.
Over the past 52 weeks, SBI Cards & Payment Services Ltd has traded between a low of ₹525.25 and a high of ₹914.10. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
SBI Cards & Payment Services Ltd has a market capitalization of approximately 51,864.59. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
SBI Cards & Payment Services Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 19.89 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 51,864.59 Cr, SBI Cards & Payment Services Ltd is classified as a Mid Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
SBI Cards & Payment Services Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of SBI Cards & Payment Services Ltd is 19.89. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
SBI Cards is scheduled to report Q2 FY26-27 results on October 23, 2026.
SBI Cards scheduled a Board of Directors meeting for July 24, 2026 to consider and approve the unaudited financial results for the quarter ended June 30, 2026.
The IPO opened on March 2, 2020 and closed on March 5, 2020. Allotment was finalised on March 11, 2020 and listing happened on March 16, 2020 on BSE and NSE.
SBI Card reported Q4 FY26 PAT of ₹609 crore, up 14% year-on-year from ₹534 crore.
