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SBI Cards and Payment Services (SBICARD) investor relations material
SBI Cards and Payment Services Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary25 Jul, 2025
Executive summary
Achieved 12% year-over-year revenue growth in Q1 FY26, driven by higher interest income and fees.
Profit after tax for Q1 FY26 was ₹555.96 crore, down 6% year-over-year but up 4% sequentially.
Card base grew 10% year-over-year to 2.12 crore, with 873,000 new accounts added in the quarter.
Market share in card spends increased to 16.6% from 15.9% year-over-year, with dominant market share in cards-in-force and spends.
Strategic focus on premium, co-branded cards, digital onboarding, and tier 2/3 market expansion.
Financial highlights
Total income for Q1 FY26 was ₹5,035.39 crore, up from ₹4,831.74 crore in Q4 FY25 and ₹4,482.59 crore in Q1 FY25.
Profit after tax was ₹555.96 crore, compared to ₹534.18 crore in the previous quarter and ₹594.45 crore year-over-year.
Receivables grew 7% year-over-year to ₹56,607 crore.
Net Interest Margin (NIM) improved to 11.2% year-over-year.
Cost to income ratio improved to 50.3%, down 108 bps sequentially.
Outlook and guidance
Receivables growth guidance revised to 10–12% for FY26, down from earlier 12–14%.
Credit cost expected to remain range-bound between Q4 FY25 and Q1 FY26 levels.
Cost of funds anticipated to decline further in Q2 due to repo rate cuts and borrowing mix changes.
No immediate expectation for ROE to return to mid-20% range.
Management highlighted ongoing growth in retail and corporate spends, with a focus on digital innovation and responsible customer experience.
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Next SBI Cards and Payment Services earnings date
Q2 25/2624 Oct, 2025
Next SBI Cards and Payment Services earnings date
Q2 25/2624 Oct, 2025
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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.
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