SBI Cards and Payment Services Q1 Results FY27: Uniresearch Prediction and Analysis

June 25, 2026
Posted by: Kunal Singla
Category: News

SBI Cards and Payment Services Q1 Results FY27: Uniresearch projects Revenue Rs 5,457 Cr | PAT Rs 520 Cr (Uniresearch trailing analysis). Q4 FY26: Rev Rs 4,934 Cr | PAT Rs 609 Cr.

SBI Cards and Payment Services Q1 Results FY27 outlook from Uniresearch is anchored on verified Q4 FY26 actuals and Uniresearch trailing analysis. Uniresearch projects SBI Cards and Payment Services Q1 FY27 Revenue Rs 5,457 Cr (+11.9% YoY) and PAT Rs 520 Cr (-6.4% YoY). Prepared by Kunal Singla.

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Table of Contents

SBI Cards and Payment Services Q1 Results FY27 – Uniresearch Prediction

Metric	Q1 FY26 Actual	Q1 FY27 Uniresearch Prediction	YoY Change	Source
SBI Cards and Payment Services Revenue (Rs Cr)	4,877	5,457	+11.9%	Uniresearch \| Uniresearch trailing analysis
PAT (Rs Cr)	556	520	-6.4%	Uniresearch \| Uniresearch trailing analysis
Avg Analyst Target	See screener	12-month view	–	Uniresearch trailing analysis

SBI Cards and Payment Services Q4 FY26 Performance

Metric	Q4 FY26 Actual	vs Q1 FY26	Source
Revenue (Rs Cr)	4,934	+1.2%	Screener consolidated
PAT (Rs Cr)	609	+9.5%	Screener consolidated

Analyst Views and Growth Outlook

The Uniresearch trailing analysis projects SBI Cards and Payment Services FY27 revenue at +11.9% and profit at -6.4% YoY. Uniresearch applied these growth rates to Q1 FY26 actuals to derive the Q1 FY27 prediction. Q4 FY26 actuals showed SBI Cards and Payment Services delivering revenue of Rs 4,934 Cr and PAT of Rs 609 Cr.

Key Watchpoints

Revenue Delivery

Key question: can SBI Cards and Payment Services reach Rs 5,457 Cr in Q1 FY27 revenue, representing +11.9% YoY growth over the Q1 FY26 base of Rs 4,877 Cr.

PAT vs Growth Target

Profit performance of Rs 520 Cr (-6.4%) vs the Q1 FY26 base of Rs 556 Cr is the profitability watchpoint for SBI Cards and Payment Services in Q1 FY27.

Risks

Revenue Shortfall

Revenue below the +11.9% consensus would indicate sector headwinds or execution delays for SBI Cards and Payment Services.

Margin Pressure

Cost increases or margin compression could challenge the -6.4% PAT growth projection for SBI Cards and Payment Services in Q1 FY27.

Conclusion

The SBI Cards and Payment Services Q1 FY27 Uniresearch projection of Revenue Rs 5,457 Cr and PAT Rs 520 Cr is derived from the Uniresearch trailing analysis. Investors should watch Q4 FY26 actuals as the base, and track SBI Cards and Payment Services live on the Univest Screener.

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Disclaimer: Revenue and PAT actuals are sourced from consolidated quarterly financial data. Q1 Results FY27 Uniresearch predictions are derived by applying analyst consensus growth rates to verified Q1 FY26 actuals. These are projections, not guaranteed outcomes. Investments in securities are subject to market risk. For educational purposes only. SEBI RA INH000013776.

FAQs on SBI Cards and Payment Services Q1 Results FY27

What is Uniresearch’s PAT prediction for SBI Cards and Payment Services Q1 Results FY27?

Ans. Uniresearch projects SBI Cards and Payment Services Q1 FY27 PAT at Rs 520 Cr (-6.4% vs Q1 FY26 base Rs 556 Cr).

What is the Revenue forecast for SBI Cards and Payment Services Q1 Results FY27?

Ans. SBI Cards and Payment Services Q1 FY27 Revenue is projected at Rs 5,457 Cr (+11.9% consensus).

What were SBI Cards and Payment Services Q4 FY26 actuals for SBI Cards and Payment Services Q1 Results FY27?

Ans. Q4 FY26 Revenue Rs 4,934 Cr and PAT Rs 609 Cr.

How many analysts cover SBI Cards and Payment Services Q1 Results FY27?

Ans. The prediction uses Uniresearch trailing analysis, avg target Rs 0.

What consensus applies to SBI Cards and Payment Services Q1 Results FY27?

Ans. Revenue +11.9% and profit -6.4% (Uniresearch trailing analysis).

What are the main risks to SBI Cards and Payment Services Q1 Results FY27?

Ans. Revenue missing +11.9% consensus and PAT pressure vs -6.4% growth target.

What is the Q1 FY26 base for SBI Cards and Payment Services Q1 Results FY27?

Ans. Q1 FY26 Revenue Rs 4,877 Cr and PAT Rs 556 Cr.

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Author: Kunal Singla

Kunal Singla is the Associate Director - Research at Univest, leading quantitative equity research, intraday trading setups, and derivatives strategy. With 4+ years of experience in Indian equity markets, he combines rigorous quantitative methods with classical technical analysis to build high-conviction research frameworks for retail and advisory clients. He holds an MSc from the Indian Institute of Technology (IIT) Delhi — one of India's most selective institutions — and has completed the Certificate in Quantitative Finance (CQF), a globally recognised programme covering derivatives pricing, risk modelling, machine learning for finance, and advanced portfolio theory. This combination places him in a small group of Indian analysts with both deep academic training in quantitative methods and SEBI-recognised research credentials. Kunal holds seven SEBI-recognised NISM certifications spanning research, derivatives, portfolio management, and securities operations: Series-XV (Research Analyst), Series-XXI-A (Portfolio Managers), Series-XVI (Commodity Derivatives), Series-VIII (Equity Derivatives), Series-VII (SORM), Series-V-A (Mutual Fund Distributors), and Series-I (Currency Derivatives). At Univest — India's SEBI-registered research and advisory platform — Kunal leads research inputs for Pro Lite, Pro Super, Pro Gold, and Pro Commodity advisory services, alongside publishing intraday stock picks on Univest Blogs.