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SBI Cards and Payment Services (SBICARD) investor relations material
SBI Cards and Payment Services Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary24 Oct, 2025
Executive summary
India's economic growth remains robust, with FY 2026 GDP forecast revised up to 6.8% and strong domestic demand driven by GST reforms and festive spending.
Achieved strong growth in spends, new accounts, and cards-in-force in Q2 FY26, with profitability improving year-over-year and quarter-over-quarter.
Launched new co-branded products with PhonePe, Flipkart, and IndiGo, supported by high-impact digital campaigns and a major festive campaign.
Received multiple industry awards for compliance, innovation, and digital excellence, including the CII National AI Award for the revamped mobile app.
Unaudited financial results for the quarter and half year ended September 30, 2025, were approved by the Board on October 24, 2025.
Financial highlights
Total income for Q2 FY26 was ₹5,136.48 crore, up 13% year-over-year, with net profit after tax at ₹444.77 crore, a 10% increase YoY.
Earnings per share (basic and diluted) for Q2 FY26 were ₹4.67, up from ₹4.25 in Q2 FY25.
Total spend hit a record INR 17,063 crore, up 31% YoY; retail spend grew 17% YoY to INR 8,961.1 crore.
Cards in Force grew 10% YoY to 2.15 crore, with 936,000 new accounts added.
Receivables grew 8% YoY and 6% QoQ to ₹59,845 crore.
Outlook and guidance
Credit cost is expected to decline and remain below 9% in the next two quarters.
Cost-to-income ratio for FY 2026 is guided at 54-56%, likely at the higher end due to increased corporate spend.
Net interest margin (NIM) is expected to be maintained at current levels.
Account acquisition guidance remains at 0.9–1 million per quarter, with continued focus on quality and profitability.
Management exercised due diligence to ensure a true and fair view and made additional provisions based on historical festive spending patterns.
Target credit cost range for FY27?
Actions to drive revolver/EMI growth in FY27?
Expected revenue impact from rental spend decline?
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Next SBI Cards and Payment Services earnings date
Q3 25/2627 Jan, 2026
Next SBI Cards and Payment Services earnings date
Q3 25/2627 Jan, 2026
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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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