SBI Cards Q1 FY27 PAT up 19.5% YoY at Rs 664 cr; NPA improves
SBICARD · price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
On the reaction day the stock moved 3.6 pts more than Nifty Midcap 150 and 4.3 pts more 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 FY27 total revenue of Rs 5,040.55 cr, up 3.4% YoY. PAT rose 19.5% YoY to Rs 664.44 cr from Rs 555.96 cr. PBT grew 19.3% YoY to Rs 893.13 cr. EPS at Rs 6.98 vs Rs 5.84. Asset quality improved with Gross NPA at 2.04% vs 2.41% and Net NPA at 0.83% vs 1.04% QoQ. Capital adequacy ratio healthy at 25.64%. Company revised its ECL model, adding Rs 180 cr impairment provision and carrying an extra Rs 70 cr for geopolitical uncertainty.
Solid earnings growth and improving asset quality signal strength. Higher ECL provisions reflect prudent risk management amid geopolitical headwinds.