SBI Cards And Payment Services Q2 Results FY27: Net Profit Up 74.83%, Revenue Rs 5,140.53 Cr, PAT Rs 777.6 Cr

SBI Cards And Payment Services Ltd (SBICARD) Q2 Results FY27 announced on 23 October 2026, covering the company's financial performance for the July to September quarter. Revenue stood at Rs 5,140.53 Cr and net profit at Rs 777.6 Cr, both on a Standalone basis, with profit growing far faster than revenue. The SBI Cards And Payment Services Q2 Results FY27 compare each figure with the same quarter last year, as filed on the results date of 23 October 2026. All figures below are standalone results.

This SBI Cards And Payment Services Q2 Results report is a results analysis of the quarter's numbers set against the same quarter last year. It covers the financial highlights, the business factors in the data, the outlook for the rest of FY27 and the risks investors can track next, starting with the Financial Highlights below.

Click Here – Get Free Investment Predictions

SBI Cards And Payment Services Q2 Results FY27: Financial Highlights

Metric	Q2 FY27 (Sep 26)	Q2 FY26 (Sep 25)	YoY Change
Revenue	Rs 5140.53 Cr	Rs 4960.98 Cr	+3.62% YoY
Financing Profit	Rs 917.12 Cr	Rs 459.28 Cr	+99.69% YoY
Net Profit (PAT)	Rs 777.6 Cr	Rs 444.77 Cr	+74.83% YoY

Source: company filing for SBI Cards And Payment Services Q2 Results FY27, 23 October 2026. Figures in Rs Crore, Standalone basis.

Key Takeaways from SBI Cards And Payment Services Q2 Results: What Stands Out

• Revenue rose to Rs 5,140.53 Cr, from Rs 4,960.98 Cr in the same quarter last year, a YoY growth of 3.62%.
• Net profit increased to Rs 777.6 Cr from Rs 444.77 Cr, a rise of 74.83% in the SBI Cards And Payment Services Q2 Results FY27.
• Financing Profit was Rs 917.12 Cr, compared with Rs 459.28 Cr a year earlier, a YoY change of 99.69%.
• Net profit margin widened to 15.1% from 9.0%, as profit grew about twenty times as fast as revenue.
• Earnings on each share have grown since FY22, from Rs 17.14 to Rs 22.77 in FY26, which the performance analysis below keeps in view.

SBI Cards And Payment Services Q2 Results FY27: Performance Analysis

The SBI Cards And Payment Services Q2 Results FY27 show standalone revenue of Rs 5,140.53 Cr and net profit of Rs 777.6 Cr for July to September 2026. Revenue was higher by Rs 179.55 Cr than a year earlier, while net profit added Rs 332.83 Cr. Modest sales growth with a much larger rise in profit is the centre of this results analysis.

On YoY growth, revenue rose 3.62%, Financing Profit 99.69% and net profit 74.83%. Financing Profit rose by Rs 457.84 Cr on only Rs 179.55 Cr of extra revenue, so the gain came from costs below the revenue line. For readers of the SBI Cards And Payment Services Q2 Results, the net margin of 15.1% against 9.0% shows that shift.

Across the quarterly results, this quarter stands out for profit growth rather than revenue growth. Later filings in the SBI Cards And Payment Services Q2 Results FY27 series will show whether the wider margin holds. The Univest Screener helps compare these numbers with other non-bank lenders by results date, and that comparison leads into the business factors.

Check the Univest Screener for live results data

Key Business Factors This Quarter

Net Profit Growth – The results analysis points first to net profit, which rose 74.8% year on year to Rs 777.6 Cr. That rise of Rs 332.83 Cr is the largest change between the comparison quarter and the SBI Cards And Payment Services Q2 Results FY27.

Financing Profit Nearly Doubled – Financing Profit rose 99.69% to Rs 917.12 Cr from Rs 459.28 Cr. In these quarterly results, this line grew far faster than revenue and drove the rise in net profit.

Wider Net Profit Margin – Net profit margin improved to 15.1% from 9.0% in the comparison quarter. The supplied data confirms this margin change but does not establish its specific cause beyond the reported figures.

FY27 Outlook After SBI Cards And Payment Services Q2 Results

The SBI Cards And Payment Services Q2 Results give the second half of FY27 a base of Rs 5,140.53 Cr in quarterly revenue and Rs 777.6 Cr in net profit. No management guidance came with these standalone results, so this results analysis does not project full-year numbers. The FY27 total will depend on the two remaining quarters and on whether the wider margin holds.

In the results analysis that follows the SBI Cards And Payment Services Q2 Results FY27, the useful test is whether revenue growth picks up from 3.62% while profit stays near this level. Investors following the stock on the Univest app can track each quarterly filing as it arrives, and the risks below set out what could change that picture.

Key Risks to Watch After SBI Cards And Payment Services Q2 Results FY27

Slow Revenue Growth

Revenue grew only 3.6% year on year to Rs 5,140.53 Cr. The profit gain in the SBI Cards And Payment Services Q2 Results FY27 came mostly from lines below revenue, which may be harder to repeat than sales growth.

Return on Equity Below 15%

Return on equity of 14.70% in FY26 is below 15%. This quarter's YoY growth in profit is strong, so the FY27 annual ratio will show whether it lifts returns on shareholder capital.

Moderate Earnings Growth Rate

Earnings on each share grew only 7.4% a year from FY22 to FY26. This quarter's 74.83% rise in profit is far faster than that pace, and the full-year figure will show whether it lasts.

Download the Univest iOS App or Univest Android App to track quarterly results as they are declared.

Conclusion

The SBI Cards And Payment Services Q2 Results FY27 show standalone revenue of Rs 5,140.53 Cr, a YoY growth of 3.62%, and net profit of Rs 777.6 Cr, up 74.83% from a year earlier. These standalone results show a sharp rise in profit on modest sales growth. Readers of the SBI Cards And Payment Services Q2 Results should weigh the slow revenue growth and the moderate FY26 return on equity. Investors should consult a SEBI-registered advisor before acting.

Frequently Asked Questions on SBI Cards And Payment Services Q2 Results FY27

What are SBI Cards And Payment Services Q2 Results FY27?

Ans. SBI Cards And Payment Services Q2 Results FY27 show standalone revenue of Rs 5,140.53 Cr and net profit of Rs 777.6 Cr for July to September 2026, which the opening summary compares with the same quarter last year.

What is the results date for SBI Cards And Payment Services Q2 Results FY27?

Ans. The results date for SBI Cards And Payment Services Q2 Results FY27 was 23 October 2026, when the board approved the quarterly results. The introduction above also states the quarter covered and the reporting basis used in the filing.

What revenue was reported in SBI Cards And Payment Services Q2 Results FY27?

Ans. SBI Cards And Payment Services reported standalone revenue of Rs 5,140.53 Cr for the July to September quarter, compared with Rs 4,960.98 Cr in the same quarter last year, which the Financial Highlights table sets out line by line.

What net profit was reported in SBI Cards And Payment Services Q2 Results FY27?

Ans. SBI Cards And Payment Services reported net profit of Rs 777.6 Cr for the quarter, compared with Rs 444.77 Cr in the same quarter last year, which the Key Takeaways section covers in more detail.

How much YoY growth did revenue show in SBI Cards And Payment Services Q2 Results FY27?

Ans. Revenue showed YoY growth of 3.62%, rising from Rs 4,960.98 Cr to Rs 5,140.53 Cr. Alongside this, the Performance Analysis section compares that revenue increase with the much faster rise in net profit.

Did net profit rise or fall in SBI Cards And Payment Services Q2 Results?

Ans. SBI Cards And Payment Services Q2 Results show net profit rose 74.83% to Rs 777.6 Cr from Rs 444.77 Cr, which the Performance Analysis section links to a net margin of about 15.1%.

What was the Financing Profit in SBI Cards And Payment Services Q2 Results FY27?

Ans. Financing Profit was Rs 917.12 Cr in the July to September quarter, compared with Rs 459.28 Cr a year earlier, so the Key Takeaways section lists its 99.69% rise beside net profit.

Are SBI Cards And Payment Services Q2 Results consolidated results or standalone results?

Ans. SBI Cards And Payment Services Q2 Results are standalone results, so every figure covers the company on its own. The opening paragraphs also state this basis before any figures are discussed in detail.

What business factors shaped SBI Cards And Payment Services Q2 Results FY27?

Ans. SBI Cards And Payment Services Q2 Results FY27 were shaped by net profit growth of 74.8%, Financing Profit that nearly doubled and a net margin that widened to 15.1%, as listed in Key Business Factors.

What are the key risks after SBI Cards And Payment Services Q2 Results FY27?

Ans. The key risks are revenue growth of only 3.6%, a return on equity of 14.70% in FY26 and a 7.4% yearly growth rate in per-share earnings, as covered in the Key Risks section.

What is the outlook after SBI Cards And Payment Services Q2 Results?

Ans. Without guidance in the filing, the FY27 outlook rests on the October to March quarters, which is why the Outlook section names the figures from this quarter worth tracking.

Where can I find the complete SBI Cards And Payment Services Q2 Results FY27 data?

Ans. The complete SBI Cards And Payment Services Q2 Results FY27 figures appear in the Financial Highlights table in this article, and the Univest Screener lets investors compare these quarterly results with other companies by results date.