Sbi Cards And Payment Services Limited has informed the Exchange regarding a press release dated July 25, 2025, titled "Financial Results for the Quarter ended June 30, 2025 ".
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On the reaction day the stock moved 5.4 pts less than Nifty Midcap 150 and 5.3 pts less than its Non Banking Financial Company (NBFC) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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SBI Cards reported Q1 FY26 total revenue of ₹5,035 Cr, up 12% YoY from ₹4,483 Cr, driven by 11% growth in interest income and 13% growth in fees/commission income. However, profit after tax declined 6% YoY to ₹556 Cr from ₹594 Cr due to 17% jump in operating costs and 23% rise in impairment/bad debt expenses. Spends grew strongly at 21% YoY to ₹93,244 Cr and cards-in-force rose 10% to 2.12 Cr, with market share expanding to 19.1%. Net NPAs worsened to 1.42% from 1.11% a year ago, while ROAA slipped to 3.4% and ROAE fell to 15.8%. Capital adequacy remains healthy at 23.2%.
Mixed quarter for shareholders - strong topline and business growth in cards and spends, but rising credit costs and operating expenses are eating into profits, leading to a PAT decline and weaker return ratios. Watch for margin trends and asset quality in coming quarters.