SBI Cards and Payment Services Second Quarter 2025 Earnings: Misses Expectations

SBI Cards and Payment Services (NSE:SBICARD) Second Quarter 2025 Results

Key Financial Results

• Revenue: ₹24.2b (down 12% from 2Q 2024).
• Net income: ₹4.04b (down 33% from 2Q 2024).
• Profit margin: 17% (down from 22% in 2Q 2024). The decrease in margin was driven by lower revenue.
• EPS: ₹4.25 (down from ₹6.37 in 2Q 2024).

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

SBI Cards and Payment Services Revenues and Earnings Miss Expectations

Revenue missed analyst estimates by 3.3%. Earnings per share (EPS) also missed analyst estimates by 30%.

Looking ahead, revenue is forecast to grow 22% 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 shares are down 3.1% from a week ago.

Risk Analysis

Be aware that SBI Cards and Payment Services is showing 2 warning signs in our investment analysis and 1 of those is a bit unpleasant...

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