SBI vs SBI Life vs SBI Cards: How the Three Stocks Compare After SBI Q2 Results, With Prices and Earnings Quality

SBI vs SBI Life vs SBI Cards after the SBI Q2 results: SBI Cards led growth with a 75% profit rise to Rs 778 crore, SBI reported 14.28% and SBI Life 11%. Experts quoted in press reports said SBI Cards beat expectations, SBI was broadly in line and SBI Life missed estimates. This guide compares the numbers, prices and risks.

Results figures are from company filings as reported by TradingView, ScanX and Elets BFSI. Prices are NSE data as of about 10:05 AM IST on 5 November 2026. We could not access the technical targets in the press report, so none are shown. This is not a recommendation.

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SBI vs SBI Life vs SBI Cards: Q2 FY27 Results

Metric	SBI	SBI Life	SBI Cards
Net profit	Rs 23,037 crore	Rs 549.23 crore	Rs 777.60 crore
Profit growth (YoY)	+14.28%	+10.9%	+75%
Core measure	NII Rs 49,143 crore (+14.69%)	Net premium Rs 26,877 crore (+8.2%)	Revenue from operations Rs 5,141 crore (+4%)
Operating profit	Rs 34,226 crore (+7.28%)	Not applicable	Not applicable
Street reaction	In line	Missed estimate of Rs 724 crore	Beat expectations

SBI Cards' profit growth was driven by lower credit costs, as revenue grew only 4%. Its net Stage 3 ratio fell to 0.77% from 0.83% and cards in force rose 8% to 2.32 crore. SBI Life's six-month profit rose about 17% to Rs 1,274.17 crore, and its solvency ratio was 1.97.

How the Three Stocks Trade Today

Stock	NSE price (as of about 10:05 AM IST on 5 November 2026)	Day change
SBI	Rs 993.45	+1.48%
SBI Life Insurance	Rs 1,738.10	+1.63%
SBI Cards	Rs 583.95	+5.60%

SBI Cards is the strongest mover today, up 5.60% on about 9.96 lakh shares. SBI rose 1.48% and SBI Life 1.63%, in a market that was up nearly 2%. All three are rising with the market, so the day's move says less about relative quality than the results do.

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Which Looks Stronger? Points to Weigh

Factor	SBI	SBI Life	SBI Cards
Business	Largest PSU bank	Life insurer	Credit cards
Profit growth	Moderate	Moderate	High, from a low base
Main driver	Lending income	Premium and value of new business	Lower credit costs
Key watch point	Margins and asset quality	Commission rule changes	Revenue growth and credit costs

Growth rates can look very different because of a low base: SBI Cards' profit was Rs 445 crore a year earlier. Elets BFSI notes that IRDAI is reworking commission structures across insurance, which matters for SBI Life. Compare quality, not just percentage growth.

Risks to Check

Risk	Why it matters
Credit costs rising	SBI Cards' profit depends on lower credit costs
Insurance rule changes	Commission resets affect margins
Estimate misses	SBI Life fell short of the street
Valuations	After gains, prices may already reflect good news

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Conclusion

In SBI vs SBI Life vs SBI Cards, SBI Cards posted the strongest growth, SBI was steady and SBI Life lagged estimates. Read the full filings and match any view to your own horizon.

Frequently Asked Questions on SBI vs SBI Life vs SBI Cards

What was SBI's profit in Q2 FY27?

Ans. SBI reported net profit of Rs 23,037 crore, up 14.28%, with net interest income of Rs 49,143 crore, up 14.69%, and operating profit of Rs 34,226 crore, up 7.28%.

What was SBI Cards' Q2 FY27 profit?

Ans. Profit after tax was Rs 777.60 crore, up about 75% from Rs 445 crore, helped by lower credit costs. Revenue from operations rose 4% to Rs 5,141 crore.

How did SBI Life perform?

Ans. Net profit rose 10.9% to Rs 549.23 crore and net premium income rose 8.2% to about Rs 26,877 crore, but profit missed a market estimate of Rs 724 crore.

Which SBI stock moved the most today?

Ans. SBI Cards rose 5.60% to Rs 583.95, ahead of SBI Life at 1.63% and SBI at 1.48%, at about 10:05 AM IST.

Why did SBI Cards' profit rise so much?

Ans. Lower credit costs were the main driver. Revenue grew just 4%, and the profit base was low a year earlier.

Which SBI group stock is best?

Ans. That depends on goals and risk. We do not recommend one. Compare earnings quality, valuation and your horizon and consult a SEBI-registered advisor.

Are technical targets given here?

Ans. No. The press report mentioned technical targets, but we could not access them, so none are quoted.

Where can I verify the results?

Ans. Use the NSE and BSE websites and each company's exchange filings.