SBI Card has announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The Board of Directors approved these results in a meeting held on January 28, 2026. Key highlights include details on revenue from operations, other income, and profit after tax, alongside key financial ratios and indicators. The company continues to navigate the evolving financial landscape, focusing on sustained growth and profitability.
Financial Performance Overview
SBI Cards and Payment Services Limited announced its unaudited financial results for the third quarter (Q3) and nine months ended December 31, 2025. The results, approved by the Board on January 28, 2026, showcase the company’s financial standing and operational performance.
Key Financial Highlights
The company’s revenue from operations stood at ₹5,127.26 crores for the quarter ended December 31, 2025, compared to ₹4,618.69 crores for the quarter ended December 31, 2024.
Total income for the quarter reached ₹5,353.42 crores, an increase from ₹4,766.56 crores in the corresponding quarter of the previous year.
Profit before tax for the quarter was reported at ₹749.11 crores, compared to ₹517.63 crores for the quarter ended December 31, 2024.
Profit after tax for the quarter stood at ₹556.64 crores, up from ₹383.23 crores year-over-year.
For the nine months ended December 31, 2025, revenue from operations totaled ₹14,965.15 crores, compared to ₹13,398.24 crores for the same period last year.
Total income for the nine-month period was ₹15,520.59 crores, an increase from ₹13,804.78 crores in the prior year.
Profit after tax for the nine months ended December 31, 2025, was ₹1,557.40 crores, compared to ₹1,382.10 crores for the nine months ended December 31, 2024.
Key Ratios and Indicators
The debt-equity ratio stood at 3.00 as of December 31, 2025.
The gross NPA (stage 3 asset) ratio was 2.86%, and the net NPA ratio was 1.28% as of December 31, 2025.
The capital adequacy ratio was 24.36%.
Additional Information
During the quarter, the company allotted 29,896 equity shares and during the nine months, 220,446 equity shares under its employee stock option scheme.
Source: BSE
