SBI Card reported Q4 FY26 PAT of ₹609 crore, a 14% YoY and 9% QoQ increase, driven by a decline in credit cost to 7.7%.
Receivables grew 17% YoY to ₹57,633 crore, with retail spends up 13% YoY and new account additions at 9.17 lacs for the quarter.
Asset quality improved with GNPA at 2.41% and NNPA at 1.04%, while the Capital Adequacy Ratio remained strong at 25.2%.