SBI Cards & Payment Services Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Quarterly Analysis Highlights - QoQ

Net Sales

QoQ Growth in quarter ended Dec 2025 is 3.35% vs 1.72% in Sep 2025

Standalone Net Profit

QoQ Growth in quarter ended Dec 2025 is 25.15% vs -20.00% in Sep 2025

Operating Profit (PBDIT) excl Other Income

QoQ Growth in quarter ended Dec 2025 is 10.05% vs -15.19% in Sep 2025

Interest

QoQ Growth in quarter ended Dec 2025 is 3.29% vs -6.49% in Sep 2025

Operating Profit Margin (Excl OI)

QoQ Growth in quarter ended Dec 2025 has improved from Sep 2025

Compare Quarterly Results Of SBI Cards With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Net Sales

5,127.26

4,578.20

549.06

11.99%

Other Operating Income

0.00

Total Operating income

5,127.26

4,578.20

549.06

11.99%

Raw Material Cost

0.00

Purchase of Finished goods

0.00

(Increase) / Decrease In Stocks

0.00

Employee Cost

184.35

649.32

-464.97

-71.61%

Power Cost

0.00

Manufacturing Expenses

346.65

164.52

182.13

110.70%

Selling and Distribution Expenses

0.00

Other Expenses

3,254.36

997.73

2,256.63

226.18%

Total Expenditure (Excl Depreciation)

3,785.36

1,811.57

1,973.79

108.95%

Operating Profit (PBDIT) excl Other Income

1,341.90

2,766.63

-1,424.73

-51.50%

Other Income

226.16

3.51

222.65

6,343.30%

Operating Profit (PBDIT)

1,568.06

2,770.14

-1,202.08

-43.39%

Interest

785.07

1,703.01

-917.94

-53.90%

Exceptional Items

0.00

-28.43

28.43

100.00%

Gross Profit (PBDT)

782.99

1,038.70

-255.71

-24.62%

Depreciation

33.88

56.12

-22.24

-39.63%

Profit Before Tax

749.11

982.58

-233.47

-23.76%

Tax

192.47

251.16

-58.69

-23.37%

Provisions and contingencies

0.00

Profit After Tax

556.64

731.42

-174.78

-23.90%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

556.64

731.42

-174.78

-23.90%

Equity Capital

951.58

2,499.87

-1,548.29

-61.93%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

5.85

2.93

2.92

99.66%

Diluted Earnings per share

5.85

2.92

2.93

100.34%

Operating Profit Margin (Excl OI)

26.17%

60.43%

0.00

-34.26%

Gross Profit Margin

15.27%

22.69%

0.00

-7.42%

PAT Margin

10.86%

15.98%

0.00

-5.12%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Quarterly - Net Sales

Net Sales 5,127.26 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 3.35% vs 1.72% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 11.01% vs -0.07% in Dec 2024

Quarterly - Standalone Net Profit

Standalone Net Profit 556.64 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 25.15% vs -20.00% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 45.25% vs -30.21% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,341.90 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 10.05% vs -15.19% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 7.60% vs -8.56% in Dec 2024

Quarterly - Interest

Interest 785.07 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 3.29% vs -6.49% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -5.26% vs 19.14% in Dec 2024

Quarterly - Operating Profit Margin (Excl OI)

Operating Profit Margin (Excl OI) 26.17%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 has improved from Sep 2025

YoY Growth in quarter ended Dec 2025 has fallen from Dec 2024