Quarterly results · SBICARD
SBI CARDS & PAY SER LTD reported revenue of ₹4,180 cr and net profit of ₹778 cr in Q2 FY27 (quarter ended 30 Sept 2026). Below is the full quarter-wise results table with revenue, operating profit, margins, tax, EPS and annual history — updated when Yahoo Finance publishes updated financial statements; exchange filings can appear earlier.
| Quarter | Q2 FY27 |
|---|---|
| Quarter ended | 30 Sept 2026 |
| Revenue | ₹4,180 cr |
| Revenue YoY | — |
| Operating profit | — |
| Operating margin | — |
| Net profit | ₹778 cr |
| Net profit YoY | — |
| Net profit QoQ | +17.0% |
| Net margin | 18.6% |
| Basic EPS | ₹8.17 |
| TTM revenue | ₹16,530 cr |
| TTM net profit | ₹2,608 cr |
| TTM net margin | 15.8% |
SBI CARDS & PAY SER LTD (SBICARD) has reported its Q2 FY27 results for the quarter ended 2026-09-30. The company posted revenue of ₹4,180 cr and a net profit of ₹778 cr, translating into earnings per share of ₹8.17.
Revenue
₹4,180 cr
— YoY
Net profit
₹778 cr
— YoY
Operating profit
—
— YoY
EPS
₹8.17
— YoY
Swipe sideways to see all columns →
| Quarter | Revenue | Operating profit | Net profit | OPM | Net margin | EPS | Profit YoY | Profit QoQ |
|---|---|---|---|---|---|---|---|---|
| Q2 FY272026-09-30 | ₹4,180 cr | — | ₹778 cr | — | 18.6% | ₹8.17 | — | +17.0% |
| 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 | — | +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 | — | — |
| TTM (last 4 quarters) | ₹16,530 cr | — | ₹2,608 cr | — | 15.8% | ₹27.40 | — | — |
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 | Q2 FY272026-09-30 | Q1 FY272026-06-30 | Q4 FY262026-03-31 | Q3 FY262025-12-31 | Q1 FY262025-06-30 |
|---|---|---|---|---|---|
| Revenue / Sales | ₹4,180 cr | ₹4,064 cr | ₹4,064 cr | ₹4,222 cr | ₹4,035 cr |
| Interest cost | ₹787 cr | ₹745 cr | ₹714 cr | ₹785 cr | ₹813 cr |
| Profit before tax | ₹1,046 cr | ₹893 cr | ₹816 cr | ₹749 cr | ₹748 cr |
| Tax expense | ₹268 cr | ₹229 cr | ₹207 cr | ₹192 cr | ₹192 cr |
| Effective tax rate | 25.6% | 25.6% | 25.3% | 25.7% | 25.7% |
| Net profit (PAT) | ₹778 cr | ₹664 cr | ₹609 cr | ₹557 cr | ₹556 cr |
| Net profit margin | 18.6% | 16.3% | 15.0% | 13.2% | 13.8% |
| Basic EPS | ₹8.17 | ₹6.98 | ₹6.40 | ₹5.85 | ₹5.84 |
| Diluted EPS | ₹8.17 | ₹6.98 | ₹6.40 | ₹5.85 | ₹5.84 |
| Growth | Q2 FY27 | Q1 FY27 | Q4 FY26 | Q3 FY26 | Q1 FY26 |
|---|---|---|---|---|---|
| Revenue YoY | — | +0.7% | — | — | — |
| Revenue QoQ | +2.9% | -0.0% | -3.7% | +4.6% | — |
| Operating profit YoY | — | — | — | — | — |
| Operating profit QoQ | — | — | — | — | — |
| Net profit YoY | — | +19.5% | — | — | — |
| Net profit QoQ | +17.0% | +9.0% | +9.5% | +0.1% | — |
| EPS YoY | — | +19.5% | — | — | — |
| EPS QoQ | +17.0% | +9.1% | +9.4% | +0.2% | — |
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 Q2 FY27 came in at ₹4,180 cr, and ₹4,064 cr in the preceding Q1 FY27 quarter.
On a sequential basis revenue grew +2.9%. 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 ₹778 cr works out to a net margin of 18.6%.
Below the operating line, SBI CARDS & PAY SER LTD reported profit before tax of ₹1,046 cr, a tax charge of ₹268 cr (effective rate 25.6%), interest cost of ₹787 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 ₹664 cr in Q1 FY27 to ₹778 cr in Q2 FY27, a change of +17.0%.
Across the trailing four quarters SBI CARDS & PAY SER LTD has generated revenue of ₹16,530 cr and net profit of ₹2,608 cr, a trailing net margin of 15.8%. 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 single weak quarter matters less than the direction over three to four consecutive quarters.
No next results date is available in the board-meeting calendar. Statement figures update when Yahoo Finance makes them available; this is not an immediate exchange-filing feed.
Financial figures here are supplied through Yahoo Finance fundamentals 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.
SBI Cards & Pay Ser (SBICARD) trades at ₹581.95, +28.95 (+5.24%). The in-focus trigger, the levels the tape is defending, and what the numbers mean for traders and long-term holders.
SBI Cards & Pay Ser (SBICARD) is at ₹650.55, -9.55 (-1.47%) — the session opened above the previous close. Live board, the newsflow around it, and the levels that decide what happens next.
In Q2 FY27 (quarter ended 30 Sept 2026), SBI CARDS & PAY SER LTD reported revenue of ₹4,180 cr and net profit of ₹778 cr. EPS stood at ₹8.17.
SBI CARDS & PAY SER LTD posted a net profit margin of 18.6% and an operating margin of not available in Q2 FY27. On a trailing twelve-month basis, revenue is ₹16,530 cr and net profit ₹2,608 cr.
SBI CARDS & PAY SER LTD net profit changed +17.0% quarter on quarter, from ₹664 cr in Q1 FY27 to ₹778 cr in Q2 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: NSE board-meeting calendar. Financial figures: Yahoo Finance fundamentals, not a direct exchange filing feed. Last successful data fetch 5 Nov 2026. Figures can be delayed; results change only when the provider publishes them. For information only, not investment advice.
