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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Quarterly Analysis Highlights - QoQ

Net Sales

QoQ Growth in quarter ended Sep 2025 is 1.72% vs 4.34% in Jun 2025

Standalone Net Profit

QoQ Growth in quarter ended Sep 2025 is -20.00% vs 4.08% in Jun 2025

Operating Profit (PBDIT) excl Other Income

QoQ Growth in quarter ended Sep 2025 is -15.19% vs 6.16% in Jun 2025

Interest

QoQ Growth in quarter ended Sep 2025 is -6.49% vs 2.21% in Jun 2025

Operating Profit Margin (Excl OI)

QoQ Growth in quarter ended Sep 2025 has fallen from Jun 2025

Compare Quarterly Results Of SBI Cards With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Net Sales

4,960.98

4,507.22

453.76

10.07%

Other Operating Income

0.00

Total Operating income

4,960.98

4,507.22

453.76

10.07%

Raw Material Cost

0.00

Purchase of Finished goods

0.00

(Increase) / Decrease In Stocks

0.00

Employee Cost

157.62

320.63

-163.01

-50.84%

Power Cost

0.00

Manufacturing Expenses

269.28

0.00

269.28

Selling and Distribution Expenses

0.00

Other Expenses

3,314.73

731.25

2,583.48

353.30%

Total Expenditure (Excl Depreciation)

3,741.63

1,051.88

2,689.75

255.71%

Operating Profit (PBDIT) excl Other Income

1,219.35

3,455.34

-2,235.99

-64.71%

Other Income

175.50

16.85

158.65

941.54%

Operating Profit (PBDIT)

1,394.85

3,472.19

-2,077.34

-59.83%

Interest

760.07

2,208.18

-1,448.11

-65.58%

Exceptional Items

0.00

Gross Profit (PBDT)

634.78

1,264.01

-629.23

-49.78%

Depreciation

35.01

36.96

-1.95

-5.28%

Profit Before Tax

599.77

1,227.05

-627.28

-51.12%

Tax

155.00

310.77

-155.77

-50.12%

Provisions and contingencies

0.00

Profit After Tax

444.77

916.28

-471.51

-51.46%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

444.77

916.28

-471.51

-51.46%

Equity Capital

951.55

2,612.51

-1,660.96

-63.58%

Face Value

10.00

0.00

Reserves

13,837.73

24,280.83

-10,443.10

-43.01%

Earnings per share (EPS)

4.67

3.51

1.16

33.05%

Diluted Earnings per share

4.67

3.48

1.19

34.20%

Operating Profit Margin (Excl OI)

24.58%

76.66%

0.00

-52.08%

Gross Profit Margin

12.80%

28.04%

0.00

-15.24%

PAT Margin

8.97%

20.33%

0.00

-11.36%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Quarterly - Net Sales

Net Sales 4,960.98 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 1.72% vs 4.34% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 12.21% vs 8.16% in Sep 2024

Quarterly - Standalone Net Profit

Standalone Net Profit 444.77 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -20.00% vs 4.08% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 9.98% vs -32.93% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,219.35 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -15.19% vs 6.16% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -2.33% vs -5.92% in Sep 2024

Quarterly - Interest

Interest 760.07 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -6.49% vs 2.21% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -3.51% vs 30.23% in Sep 2024

Quarterly - Operating Profit Margin (Excl OI)

Operating Profit Margin (Excl OI) 24.58%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 has fallen from Jun 2025

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