SBI Card Q4 FY26 PAT Rises 14% to ₹609 Cr; FY26 PAT Up 13% to ₹2,167 Cr
SBI Cards reported Q4 FY26 PAT of ₹609 Cr, up 14% YoY, and FY26 PAT of ₹2,167 Cr, up 13% YoY. Total revenue for Q4 FY26 increased 7% to ₹5,187 Cr. Spends grew 31% YoY to ₹115,350 Cr in Q4 FY26. The company's CRAR stood at 25.5% as of March 31, 2026.
The announcement contains key financial results, including profit, revenue, and business growth metrics for the quarter and the full fiscal year, which are critical for investors and stakeholders.
The company reported a year-on-year increase in profit after tax for both the quarter and the full financial year, along with growth in revenue and spends, indicating positive financial performance.
SBI Cards and Payment Services Limited announced its financial results for the fourth quarter and the financial year ended March 31, 2026. The Board of Directors approved the results at a meeting held on April 27, 2026.
For the fourth quarter of FY'26, the company reported a Profit After Tax (PAT) of ₹609 crore, a 14% increase compared to ₹534 crore in Q4 FY'25. Total revenue grew by 7% year-on-year to ₹5,187 crore from ₹4,832 crore in the same period last year. Fees and other revenue saw a significant jump of 13% to ₹2,553 crore, while finance costs decreased by 10% to ₹714 crore. However, total operating costs increased by 24% to ₹2,561 crore.
For the full financial year 2025-26, SBI Card's PAT increased by 13% to ₹2,167 crore, up from ₹1,916 crore in FY'25. Total income for the year rose by 11% to ₹20,708 crore from ₹18,637 crore. Finance costs saw a marginal decrease of 3% to ₹3,072 crore, while operating costs increased by 22% to ₹9,760 crore.
Business highlights for Q4 FY'26 include a 31% year-on-year growth in spends to ₹115,350 crore. The card-in-force base grew by 6% to 2.21 crore. The company's market share for FY'26 stood at 18.6% for card-in-force and 18.1% for spends.
As of March 31, 2026, the company's Capital Adequacy Ratio (CRAR) was 25.5%, with Tier 1 capital at 20.0%. The gross non-performing assets (NPAs) were at 2.41% of gross advances, down from 3.08% a year ago, and net NPAs were at 1.04%, down from 1.46%. The total balance sheet size grew to ₹66,328 crore.
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SBI Cards and Payment Services Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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See the model portfoliosA plain-language summary of a public exchange filing by SBI Cards and Payment Services Limited. Read the original for the full detail.