SBI Cards Announces Audited Financial Results for Quarter and Year Ended March 31, 2026
SBI Cards and Payment Services Limited announced that its Board of Directors approved the audited financial results for the quarter and the year ended March 31, 2026.The company reported significant figures for both the full financial year and the latest quarter, detailing performance across various income streams and financial metrics.
Quarterly and Annual Financial Performance
Total income for the year ended March 31, 2026, stood at ₹ 20,707.62 Crores. For the quarter ending March 31, 2026, total income was ₹ 5,187.04 Crores.| Metric (₹ in Crores) | March 31, 2026 (Quarter) | March 31, 2026 (Year) |
|---|---|---|
| Total Revenue from Operations | 4,934.50 | 19,899.63 |
| Interest Income | 2,381.76 | 9,901.13 |
| Fees and Commission Income | 2,342.98 | 9,166.23 |
| Total Other Income | 252.54 | 564.93 |
| Total Income | 5,187.04 | 18,637.15 |
| Profit Before Tax | 815.91 | 2,580.68 |
| Profit After Tax | 609.30 | 1,916.41 |
| Total Comprehensive Income | 616.17 | 1,918.82 |
The company’s expenses for the full year ended March 31, 2026, totaled ₹ 17,794.43 Crores, compared to ₹ 16,056.47 Crores for the year ended March 31, 2025.
Balance Sheet Highlights
The balance sheet data as of March 31, 2026, showed total assets of ₹ 66,327.79 Crores. Total liabilities and equity stood at ₹ 65,545.80 Crores.Key movements in the balance sheet included:
| Item (₹ in Crores) | March 31, 2026 (Audited) | March 31, 2025 (Audited) |
|---|---|---|
| Total Financial Assets | 64,275.43 | 63,421.76 |
| Total Non-Financial Assets | 2,052.36 | 2,124.04 |
| Total Assets | 66,327.79 | 65,545.80 |
| Total Financial Liabilities | 48,628.38 | 49,920.28 |
| Total Equity | 15,725.50 | 13,781.72 |
Operational and Capital Updates
In terms of market health metrics, the company noted an improvement in asset quality. The Gross Non Performing Asset (stage 3 balance) and Net NPA (stage 3 balance) as of March 31, 2026, were 2.41% and 1.04% respectively, compared to 3.08% and 1.46% as of March 31, 2025.The company also informed stakeholders of key corporate actions:
- Paid-up Capital: The issued, subscribed and paid-up equity capital stood at ₹ 951.60 Crores as at March 31, 2026, an increase from ₹ 951.36 Crores as at March 31, 2025.
- Shares Allotted: During the quarter and the year ended March 31, 2026, the Company allotted 22,851 equity shares and 243,297 equity shares of ₹ 10 each, pursuant to the exercise of options under the approved employee stock option scheme.
- Dividend: The Board of Directors declared an interim dividend of ₹ 2.50 per equity share (25%) of the face value of ₹ 10 each for the financial year 2025-26.
Cash Flow Analysis
The Statement of Cash Flow for the year ended March 31, 2026, detailed the company’s cash generation activities:| Cash Flow Category (₹ Crores) | Year Ended March 31, 2026 | Year Ended March 31, 2025 |
|---|---|---|
| Net cash generated/used in operating activities (A) | 493.03 | (2,140.46) |
| Net cash used in investing activities (B) | 245.47 | (2,490.57) |
| Net proceeds from borrowings (other than debt securities) (C) | (842.27) | 6,439.01 |
| Net increase / (decrease) in cash and cash equivalents (A+B+C) | (433.86) | 55.48 |
| Cash and cash equivalents as at the end of the year | 2,103.67 | 2,537.53 |
SBICARD Stock Price Movement
Shares of SBI Cards and Payment Services Limited are edging higher to ₹677.00 as of 3:03 PM today, gaining 1.00% in live trading. The stock has rallied within the day's range of ₹667.7 to ₹681.3, fueled by robust activity seeing 783,494 shares traded.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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