Quarterly results · SBICARD
SBI CARDS & PAY SER LTD reported revenue of ₹4,064 cr and net profit of ₹664 cr in Q1 FY27 (quarter ended 30 Jun 2026), +19.5% year on year. Below is the full quarter-wise results table with revenue, operating profit, margins, tax, EPS and annual history — updated automatically from exchange filings.
| Quarter | Q1 FY27 |
|---|---|
| Quarter ended | 30 Jun 2026 |
| Revenue | ₹4,064 cr |
| Revenue YoY | +0.7% |
| Operating profit | — |
| Operating margin | — |
| Net profit | ₹664 cr |
| Net profit YoY | +19.5% |
| Net profit QoQ | +9.0% |
| Net margin | 16.3% |
| Basic EPS | ₹6.98 |
| TTM revenue | ₹16,385 cr |
| TTM net profit | ₹2,386 cr |
| TTM net margin | 14.6% |
SBI CARDS & PAY SER LTD (SBICARD) has reported its Q1 FY27 results for the quarter ended 2026-06-30. The company posted revenue of ₹4,064 cr and a net profit of ₹664 cr, translating into earnings per share of ₹6.98.
Compared with the same quarter a year earlier, revenue grew marginally by +0.7% and net profit grew by +19.5%. Profit rising faster than revenue points to better cost control or operating leverage flowing through the P&L.
Revenue
₹4,064 cr
+0.7% YoY
Net profit
₹664 cr
+19.5% YoY
Operating profit
—
— YoY
EPS
₹6.98
+19.5% YoY
| Quarter | Revenue | Operating profit | Net profit | OPM | Net margin | EPS | Profit YoY | Profit QoQ |
|---|---|---|---|---|---|---|---|---|
| Q1 FY272026-06-30 | ₹4,064 cr | — | ₹664 cr | — | 16.3% | ₹6.98 | +19.5% | +9.0% |
| Q4 FY262026-03-31 | ₹4,064 cr | — | ₹609 cr | — | 15.0% | ₹6.40 | +14.1% | +9.5% |
| Q3 FY262025-12-31 | ₹4,222 cr | — | ₹557 cr | — | 13.2% | ₹5.85 | — | +0.1% |
| Q1 FY262025-06-30 | ₹4,035 cr | — | ₹556 cr | — | 13.8% | ₹5.84 | — | +4.1% |
| Q4 FY252025-03-31 | ₹3,841 cr | — | ₹534 cr | — | 13.9% | ₹5.62 | — | — |
| TTM (last 4 quarters) | ₹16,385 cr | — | ₹2,386 cr | — | 14.6% | ₹25.07 | — | — |
Consolidated figures as reported to the exchanges, shown in ₹ crore. OPM = operating profit margin. Updated automatically whenever a new quarter is filed.
Line-item results for the last six quarters as filed — sales, expenses, operating profit, interest, tax and profit after tax in ₹ crore.
| Particulars | Q1 FY272026-06-30 | Q4 FY262026-03-31 | Q3 FY262025-12-31 | Q1 FY262025-06-30 | Q4 FY252025-03-31 |
|---|---|---|---|---|---|
| Revenue / Sales | ₹4,064 cr | ₹4,064 cr | ₹4,222 cr | ₹4,035 cr | ₹3,841 cr |
| Interest cost | ₹745 cr | ₹714 cr | ₹785 cr | ₹813 cr | ₹795 cr |
| Profit before tax | ₹893 cr | ₹816 cr | ₹749 cr | ₹748 cr | ₹719 cr |
| Tax expense | ₹229 cr | ₹207 cr | ₹192 cr | ₹192 cr | ₹184 cr |
| Effective tax rate | 25.6% | 25.3% | 25.7% | 25.7% | 25.7% |
| Net profit (PAT) | ₹664 cr | ₹609 cr | ₹557 cr | ₹556 cr | ₹534 cr |
| Net profit margin | 16.3% | 15.0% | 13.2% | 13.8% | 13.9% |
| Basic EPS | ₹6.98 | ₹6.40 | ₹5.85 | ₹5.84 | ₹5.62 |
| Diluted EPS | ₹6.98 | ₹6.40 | ₹5.85 | ₹5.84 | ₹5.61 |
| Growth | Q1 FY27 | Q4 FY26 | Q3 FY26 | Q1 FY26 | Q4 FY25 |
|---|---|---|---|---|---|
| Revenue YoY | +0.7% | +5.8% | — | — | — |
| Revenue QoQ | -0.0% | -3.7% | +4.6% | +5.0% | — |
| Operating profit YoY | — | — | — | — | — |
| Operating profit QoQ | — | — | — | — | — |
| Net profit YoY | +19.5% | +14.1% | — | — | — |
| Net profit QoQ | +9.0% | +9.5% | +0.1% | +4.1% | — |
| EPS YoY | +19.5% | +13.9% | — | — | — |
| EPS QoQ | +9.1% | +9.4% | +0.2% | +3.9% | — |
Full-year performance for SBI CARDS & PAY SER LTD, useful for reading each quarter in context.
| Particulars | FY262026-03-31 | FY252025-03-31 | FY242024-03-31 | FY232023-03-31 |
|---|---|---|---|---|
| Revenue / Sales | ₹15,627 cr | ₹14,268 cr | ₹12,751 cr | ₹10,678 cr |
| Interest cost | ₹3,072 cr | ₹3,178 cr | ₹2,589 cr | ₹1,644 cr |
| Profit before tax | ₹2,913 cr | ₹2,581 cr | ₹3,232 cr | ₹3,031 cr |
| Tax expense | ₹746 cr | ₹664 cr | ₹824 cr | ₹772 cr |
| Effective tax rate | 25.6% | 25.7% | 25.5% | 25.5% |
| Net profit (PAT) | ₹2,167 cr | ₹1,916 cr | ₹2,408 cr | ₹2,258 cr |
| Net profit margin | 13.9% | 13.4% | 18.9% | 21.2% |
| Basic EPS | ₹22.77 | ₹20.15 | ₹25.39 | ₹23.92 |
| Diluted EPS | ₹22.77 | ₹20.14 | ₹25.37 | ₹23.80 |
Topline for Q1 FY27 came in at ₹4,064 cr against ₹4,035 cr in Q1 FY26, and ₹4,064 cr in the preceding Q4 FY26 quarter.
On a sequential basis revenue declined -0.0%. Sequential moves are the quickest read on demand momentum because they strip out the base effect of a year-old quarter, though seasonality can distort a single quarter.
Net profit of ₹664 cr works out to a net margin of 16.3% compared with 13.8% in the year-ago quarter. Margin expansion of this kind usually reflects a better product or service mix, softer input costs, or tighter overheads.
Below the operating line, SBI CARDS & PAY SER LTD reported profit before tax of ₹893 cr, a tax charge of ₹229 cr (effective rate 25.6%), interest cost of ₹745 cr. Reading these together with operating profit shows how much of the quarter's earnings were driven by the core business versus financing and tax movements.
Sequentially, net profit moved from ₹609 cr in Q4 FY26 to ₹664 cr in Q1 FY27, a change of +9.0%.
Across the trailing four quarters SBI CARDS & PAY SER LTD has generated revenue of ₹16,385 cr and net profit of ₹2,386 cr, a trailing net margin of 14.6%. The trailing view smooths out one-off quarters and is the number most valuation multiples are built on.
On a full-year basis, FY26 revenue was ₹15,627 cr with net profit of ₹2,167 cr and EPS of ₹22.77, versus the prior year where revenue grew +9.5% and profit grew +13.1%.
For the coming quarters the numbers worth tracking on this page are revenue momentum, the operating margin trend, the interest burden and whether EPS keeps pace with profit growth. A sustained run of year-on-year profit growth is what usually drives a re-rating rather than any single quarter.
SBI CARDS & PAY SER LTD has not yet intimated its next results date to the exchange. This page refreshes automatically from filings and the board-meeting calendar, so the tables above will reflect the next quarter as soon as it is reported.
All figures here are as reported to the exchanges and shown in ₹ crore, without adjustment. This is information and analysis, not investment advice.
No results report published for SBICARD yet — our desk covers each quarter within minutes of the filing.
In Q1 FY27 (quarter ended 30 Jun 2026), SBI CARDS & PAY SER LTD reported revenue of ₹4,064 cr and net profit of ₹664 cr, a change of +19.5% year on year on +0.7% revenue growth. EPS stood at ₹6.98.
SBI CARDS & PAY SER LTD posted a net profit margin of 16.3% and an operating margin of not available in Q1 FY27. On a trailing twelve-month basis, revenue is ₹16,385 cr and net profit ₹2,386 cr.
SBI CARDS & PAY SER LTD net profit changed +9.0% quarter on quarter, from ₹609 cr in Q4 FY26 to ₹664 cr in Q1 FY27.
SBI CARDS & PAY SER LTD has not yet intimated its next results date to the exchange. This page updates automatically from the exchange board-meeting calendar.
Results coverage for SBICARD will appear here as soon as the company reports. Meanwhile you can track live price and technicals on the SBICARD stock page.
For FY26, SBI CARDS & PAY SER LTD reported full-year revenue of ₹15,627 cr and net profit of ₹2,167 cr, with EPS of ₹22.77.
Past results dates for SBICARD will be listed here from the exchange calendar.
Results dates sourced from the exchange board-meeting calendar; reported figures from company filings, last refreshed 10 Sept 2026. For information only, not investment advice.
