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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
SBI Card
SBI Card (SBICARD) investor relations material
SBI Card Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary23 Oct, 2026
Executive summary
Q2 FY27 PAT was ₹777.60 crore, up 75% YoY; revenue from operations was ₹5,140.53 crore, up 4%, as impairment expense fell 37%.
Cards in force reached 23.2 million, up 8% YoY; new accounts rose 18% to 1.106 million, while receivables were ₹58,376 crore.
Financial highlights
Total income was ₹5,301.67 crore; Q2 PBT was ₹1,045.72 crore and H1 PAT was ₹1,442.06 crore.
Operating costs were ₹2,649 crore, up 7% YoY; cost-to-income ratio was 58.7%, up 193 bps YoY.
Total Q2 spends were ₹110,689 crore; retail spends reached ₹95,299 crore, up 6% YoY, and corporate spends were ₹15,390 crore.
Outlook and guidance
Management expects H2 receivables growth, starting in Q3, and plans to maintain quarterly sourcing above 1 million new accounts; no full-year receivables growth estimate was provided.
FY27 retail spend growth is expected in the mid-teens to high-teens; FY27 cost-to-income guidance remains 57%-59%.
Gross credit costs are expected around 6%; management is comfortable with a 5.5%-6% range and expects limited further moderation.
NIM is targeted to remain stable through borrowing-cost optimization, higher-yield incremental EMI lending and receivables mix changes; no FY28 guidance was set.
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Latest events from SBI Card
- Q1 FY27 delivered record profit, strong account growth, and improved asset quality.SBICARD
Q1 26/27 - FY26 net profit rose to ₹2,167 crore with strong capital adequacy and improved asset quality.SBICARDQ4 25/26
- PAT up 45% YoY, revenue up 11% YoY, CAR at 24.4%, and digital spends surged.SBICARDQ3 25/26
- Revenue and profit rose in Q2 FY26, with improved asset quality and strong capital ratios.SBICARDQ2 25/26
- Q1 FY26 saw 12% revenue growth, ₹555.96 crore profit, and strong card spend momentum.SBICARDQ1 25/26
- Q2 FY25 income rose, but profit and asset quality declined amid higher credit costs.SBICARDQ2 24/25
- Cards and spends grew, profit stable, but credit costs and NPA ratios increased.SBICARDQ1 24/25
- FY25 net profit at ₹1,916 crore, 18% retail spend growth, and 2 crore cards milestone.SBICARDQ4 2025
- Cards-in-force topped 2 crore, spends rose, but PAT fell 30% YoY amid higher credit costs.SBICARDQ3 24/25
Next SBI Card earnings date
Q3 26/2727 Jan, 2027
SBI Card
Next SBI Card earnings date
Q3 26/2727 Jan, 2027
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Frequently asked questions
SBI Cards And Payment Services Limited issues credit cards to individual and corporate customers in India. The company also issues debit cards for use on the MasterCard, Visa, and Maestro platforms. In addition, it provides merchant acquiring by signing merchants to accept such cards at point of sale terminals; and travel services comprising booking tickets for air travel, railway tickets, hotels, and foreign exchange, as well as offers various lifestyle products consisting of health insurance services, gift vouchers of various leading brands. The company offers its products directly through its employees, as well as through banks' distribution channels. The company was incorporated in 1998 and is headquartered in Gurugram, India.