SBI Cards and Payment Services quarterly results and financials

SBI Cards and Payment Services (SBICARD)₹590.15+1.31%(9 Nov 2026 close)Non Banking Financial Company (NBFC)

Key facts

In the Jun 2026 quarter (standalone), SBI Cards and Payment Services reported revenue of ₹5,033 Cr, up 3.4% from Jun 2025, and net profit of ₹666 Cr, up 19.4% year on year. For the year to Mar 2026, revenue were ₹19,875 Cr and net profit ₹2,174 Cr.

Revenue (Jun 2026): ₹5,033 Cr
Net profit (Jun 2026): ₹666 Cr
Revenue (FY Mar 2026): ₹19,875 Cr
Net profit (FY Mar 2026): ₹2,174 Cr
EPS (Jun 2026): ₹7.00
Borrowings (Mar 2026): ₹43,932 Cr

Company filings, standalone accounts; latest reported quarter Jun 2026

SBI Cards and Payment Services quarterly results

₹ crore unless stated; each column is a quarter.

SBI Cards and Payment Services Quarterly results
	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	4,080	4,620	4,343	4,355	4,415	4,618	4,672	4,870	4,954	5,121	4,928	5,033
Interest	605	695	724	768	788	829	795	814	761	785	714	745
Net interest income	3,475	3,925	3,619	3,587	3,627	3,789	3,877	4,056	4,193	4,336	4,214	4,288
Expenses	2,750	3,245	2,803	2,856	3,161	3,359	3,307	3,426	3,732	3,773	3,615	3,525
Financing Profit	723	668	814	726	461	420	560	626	459	558	596	760
Financing Margin %	17.9%	14.0%	18.9%	16.9%	10.0%	8.9%	11.9%	12.9%	8.9%	10.9%	11.9%	14.9%
Other Income	134	119	127	124	134	147	157	157	175	225	252	164
Depreciation	47.03	50.99	51.95	49.01	49.98	49.01	−1.99	34.98	35.02	33.99	32.02	31.01
Profit before tax	811	740	890	800	546	519	721	750	601	751	817	894
Tax %	26.1%	26.1%	25.0%	26.1%	26.1%	26.1%	26.1%	26.1%	26.0%	26.1%	25.1%	26.0%
Net Profit	605	551	664	596	406	384	536	558	446	559	611	666
EPS (Rs)	6.39	5.80	6.99	6.27	4.27	4.04	5.63	5.86	4.69	5.87	6.42	7.00
Gross NPA %	2.4%	2.6%	2.8%	3.1%	3.3%	3.2%	3.1%	3.1%	2.9%	2.9%	2.4%	—
Net NPA %	0.9%	1.0%	1.0%	1.1%	1.2%	1.2%	1.5%	1.4%	1.3%	1.3%	1.0%	—
Provision coverage (approx., excl. write-offs) %	63.4%	63.6%	64.1%	63.7%	63.6%	63.6%	52.6%	53.8%	54.7%	55.2%	56.9%	—

SBI Cards and Payment Services profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

SBI Cards and Payment Services Profit and loss
	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	2,388	3,346	5,191	7,010	9,270	9,288	10,667	13,647	16,968	18,066	19,875	20,035
Interest	436	528	712	1,009	1,301	1,043	1,028	1,648	2,596	3,178	3,073	3,005
Net interest income	1,952	2,818	4,479	6,001	7,970	8,245	9,639	11,998	14,372	14,888	16,803	17,030
Expenses	1,612	2,356	3,706	4,874	6,597	7,195	7,932	9,407	11,427	12,683	14,546	14,645
Financing Profit	339	452	769	1,122	1,364	1,035	1,702	2,581	2,935	2,166	2,244	2,373
Financing Margin %	13.9%	13.9%	14.9%	15.9%	14.9%	10.9%	15.9%	18.9%	16.9%	11.9%	10.9%	11.8%
Other Income	99.64	123	174	269	469	412	619	613	496	561	803	817
Depreciation	0.99	4.99	23.99	54.99	104	123	149	164	197	147	136	132
Profit before tax	439	573	921	1,338	1,733	1,328	2,177	3,037	3,239	2,587	2,917	3,064
Tax %	35.1%	35.1%	35.0%	35.1%	28.1%	26.1%	26.1%	25.1%	25.0%	26.1%	26.1%	—
Net Profit	285	374	603	868	1,250	988	1,623	2,268	2,416	1,922	2,174	2,282
EPS (Rs)	3.63	4.77	7.68	10.36	13.31	10.51	17.20	23.95	25.41	20.20	22.84	23.98
Dividend payout %	28.0%	21.0%	0.0%	10.0%	8.0%	0.0%	15.0%	10.0%	10.0%	12.0%	11.0%	—

SBI Cards and Payment Services balance sheet

₹ crore, at each year end.

SBI Cards and Payment Services Balance sheet
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	782	783	782	782	834	936	939	941	943	948	948	949
Reserves	180	368	661	1,561	2,739	4,383	5,338	6,781	8,843	11,088	12,771	14,713
Borrowings	4,683	5,914	8,240	11,370	13,502	17,527	17,854	22,928	31,007	39,793	44,798	43,932
Other Liabilities	590	793	1,043	1,911	2,995	2,382	2,802	3,894	4,584	6,166	6,784	6,508
Total Liabilities	6,234	7,858	10,726	15,624	20,069	25,228	26,932	34,544	45,376	57,996	65,302	66,101
Fixed Assets	1.99	1.99	23.93	241	196	310	307	438	549	540	319	218
CWIP	0.00	0.00	0.00	34.91	19.95	23.95	9.96	13.96	22.95	21.95	9.97	11.97
Investments	0.00	0.00	0.00	0.00	0.99	0.99	955	1,293	2,131	3,506	6,215	6,352
Other Assets	6,233	7,856	10,702	15,348	19,851	24,894	25,659	32,800	42,674	53,928	58,757	59,519
Trade receivables	0.00	0.00	24.96	22.94	149	53.86	81.83	168	142	242	236	282
Cash & equivalents	292	275	284	474	779	679	722	1,109	1,358	2,741	2,749	2,327
Total Assets	6,234	7,858	10,726	15,624	20,069	25,228	26,932	34,544	45,376	57,996	65,302	66,101

SBI Cards and Payment Services cash flow

₹ crore, for each year.

SBI Cards and Payment Services Cash flow
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−882	−1,161	−2,242	−2,901	−2,334	−4,075	694	−4,405	−6,697	−5,668	−2,146	494
Cash from investing activity	1.01	1.01	−1.01	128	−76.10	−77.11	−997	−539	−922	−1,256	−2,494	245
Cash from financing activity	1,009	1,142	2,247	2,956	2,827	3,930	433	5,054	7,837	8,410	4,693	−1,174
Net cash flow	130	−17.05	9.02	191	424	−219	127	115	233	1,497	55.13	−435
Capex	0.00	0.00	1.99	41.84	95.70	77.70	56.79	99.68	92.58	73.71	55.83	33.87
Free cash flow	−880	−1,158	−2,237	−2,929	−2,424	−4,140	635	−4,490	−6,767	−5,724	−2,196	459
CFO / OP %	−142.0%	−138.0%	−193.0%	−178.0%	−87.0%	−127.0%	57.0%	−147.0%	−140.1%	−85.0%	−26.0%	24.0%

SBI Cards and Payment Services ratios

Working-capital days and returns, by year.

SBI Cards and Payment Services Ratios
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	31.1%	27.1%	29.1%	32.0%	29.0%	28.0%	17.1%	23.1%	26.0%	22.0%	15.0%	15.0%

SBI Cards and Payment Services: frequently asked questions

What are the latest quarterly results of SBI Cards and Payment Services?

For the Jun 2026 quarter, SBI Cards and Payment Services reported revenue of ₹5,033 Cr, up 3.4% year on year and net profit of ₹666 Cr, up 19.4% year on year.

What is the annual revenue of SBI Cards and Payment Services?

SBI Cards and Payment Services' revenue for the year to Mar 2026 were ₹19,875 Cr; over the last twelve months they were ₹20,035 Cr.

What is the net profit of SBI Cards and Payment Services?

Net profit for the year to Mar 2026 was ₹2,174 Cr, and ₹2,282 Cr over the last twelve months. Earnings per share over the same trailing period were ₹23.98.

What is the free cash flow of SBI Cards and Payment Services?

Cash from operations was ₹494 Cr in the year to Mar 2026; after capital spending, free cash flow was ₹459 Cr.

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