SBICARD SBI Cards Q3 FY26 results (Oct–Dec 2025) and concall
SBI Cards reported robust Q3 FY26 results, with a significant 45% YoY growth in profit after tax to INR557 crores, driven by improved gross credit cost and lower cost of funds. Total spends reached a record high of INR1,14,702 crores, up 33% YoY, reflecting strong digital payment adoption and strategic partnerships. While receivables growth was modest at 4% and NIM saw slight compression, the company maintained a strong capital adequacy ratio of 24.4% and focused on sustainable, calibrated growth.
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What they filed
Q3 FY26: revenue up 11.0%, net profit up 45.4% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|
| Revenue | 4,619 | 4,674 | 4,877 | 4,961 | 5,127 +11% |
| Net profit | 383 | 534 | 556 | 445 | 557 +45% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
