SBICARD SBI Cards Q4 FY26 results (Jan–Mar 2026) and concall
SBI Cards reported a strong Q4 and FY26, with total revenue growing 11% and PAT 13% for the full year. Overall spends saw robust 31% YoY growth in Q4, and asset quality improved significantly with GNPA reducing to 2.41%. The company maintained its position as the second largest credit card issuer with 18.6% market share. However, the cost-to-income ratio was impacted by higher corporate spends, and a slight downward bias is expected in revolve rates for FY27.
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What they filed
Q4 FY26: revenue up 5.6%, net profit up 14.0% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|---|---|---|
| Revenue | 4,619 | 4,674 | 4,877 | 4,961 | 5,127 +11% | 4,934 +6% |
| Net profit | 383 | 534 | 556 | 445 | 557 +45% | 609 +14% |
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.
