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

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

Key Financial Results

• Revenue: ₹26.2b (down 14% from 3Q 2024).
• Net income: ₹3.83b (down 30% from 3Q 2024).
• Profit margin: 15% (down from 18% in 3Q 2024). The decrease in margin was driven by lower revenue.
• EPS: ₹4.03 (down from ₹5.78 in 3Q 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 6.2%. Earnings per share (EPS) also missed analyst estimates by 9.0%.

Looking ahead, revenue is forecast to grow 26% 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

Before we wrap up, we've discovered 2 warning signs for SBI Cards and Payment Services that you should be aware of.

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