SBI Cards Q2 PAT up 75% YoY at Rs 778 Cr; H1 PAT at Rs 1,442 Cr

Pat Growth 25pctEmphasis Of MatterNegative Operating CashflowResults View source PDF Explain this filing

SBICARD · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Price reactionminutes from the announcement price · days from the prior close

-3.7%Reaction day

₹566.30

prior close

₹552.30

announcement price

In-mkt

timing

Nifty Midcap 150market-2.1%-1.6% vs market

Non Banking Financial Company (NBFC) peers, median of 219sector-1.5%-2.1% vs sector

On the reaction day the stock moved 1.6 pts less than Nifty Midcap 150 and 2.1 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.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

-3.9

10m

-1.0

15m

-1.7

30m

-0.3

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-3.7-2.1-1.6-1.5-2.1

Next day

-4.9-1.0-3.9-1.8-3.1

-6.8-0.1-6.6-1.2-5.5

-6.8+0.2-7.0-0.2-6.6

-4.7+1.0-5.7+0.0-4.7

-7.3pendingpending-0.7-6.6

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15d

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UpDownMarket · Nifty Midcap 150Sector · Non Banking Financial Company (NBFC) peers, median of 219Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

SBI Cards reported Q2 FY27 PAT of Rs 777.60 Cr, up 75% YoY from Rs 444.77 Cr. Total income rose 3.2% to Rs 5,301.67 Cr. H1 PAT stood at Rs 1,442.06 Cr vs Rs 1,000.74 Cr, with H1 EPS of Rs 15.15. GNPA improved to 1.90% from 2.41% and Net NPA to 0.77% from 1.04%. Capital adequacy ratio is strong at 26.47%. Auditors flagged an additional Rs 100 Cr impairment overlay over the ECL model for geopolitical risks.

Likely market impact

Sharp profit growth and improving asset quality are positives for shareholders. Geopolitical impairment overlay is a minor watch item.