SBI Cards and Payment Services First Quarter 2026 Earnings: EPS Misses Expectations

July 27, 2025

SBI Cards and Payment Services (NSE:SBICARD) First Quarter 2026 Results

Key Financial Results

Revenue: ₹28.7b (up 15% from 1Q 2025).
Net income: ₹5.56b (down 6.5% from 1Q 2025).
Profit margin: 19% (down from 24% in 1Q 2025). The decrease in margin was driven by higher expenses.
EPS: ₹5.84 (down from ₹6.25 in 1Q 2025).

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earnings-and-revenue-growth — NSEI:SBICARD Earnings and Revenue Growth July 27th 2025

All figures shown in the chart above are for the trailing 12 month (TTM) period

SBI Cards and Payment Services EPS Misses Expectations

Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 2.7%.

Looking ahead, revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 22% growth forecast for the Consumer Finance industry in India.

Performance of the Indian Consumer Finance industry.

The company's share price is broadly unchanged from a week ago.

Risk Analysis

You still need to take note of risks, for example - SBI Cards and Payment Services has 2 warning signs (and 1 which is a bit concerning) we think you should know about.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.