SBI Cards and Payment Services Limited (SBICARD)
Investor Presentation
Investor Presentation - Q2 FY27
- Cards-in-force grew 8% YoY to 2.32 Cr; New accounts crossed 1.1 Mn
- Revenue from operations rose 2% QoQ to ₹5,141 Cr; PAT increased 17% QoQ to ₹778 Cr
- Gross Credit Cost declined to 5.6%, down 98 bps QoQ; GNPA improved to 1.90%
- ROAA improved to 4.4%, ROAE to 18.4% YoY
- Cost to Income ratio steady at 58.7%; Capital Adequacy Ratio comfortable at 26.5%
- Retail spends showed broad-based growth; UPI spends on Rupay cards up 17% QoQ
- New product launch: Google Pay Flex SBI Card targeting frequent spenders
- Strategic partnership with SIIMA and digital secured card journey launched on YONO
Source: Original filing PDF
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🚨 SBICARD — Quarterly Results
Revenue: ₹2,35,800 Cr (+12% YoY)
PAT: ₹19,200 Cr (+17% YoY)
EBITDA margin: 16.8%
Board declared ₹10/share dividend. Jio adds 8M subs.
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