Finance company SBI Cards and Payment Services announced Q2FY26 results Q2FY26 Financial Highlights: Total Revenue increased by 13% YoY at Rs 5,136 crore in Q2FY26 vs Rs 4,556 crore in Q2FY25. PAT at Rs 445 crore in Q2FY26 vs Rs 404 crore in Q2FY25. ROAA at 2.6% in Q2FY26 vs 2.7% in Q2FY25. ROAE at 12.1% in Q2FY26 vs 12.5% in Q2FY25. Capital Adequacy Ratio at 22.5%; Tier 1 at 17.5%. Asset Quality The Gross non-performing assets were at 2.85% of gross advances as of September 30, 2025, as against 3.27% as of September 30, 2024. Net non-performing assets were at 1.29% as of September 30, 2025, as against 1.19% as of September 30, 2024. Business Highlights: Cards-in-force grew by 10% YoY at 2.15 crore as of Q2FY26 vs 1.96 crore as of Q2FY25. New accounts volume at 936K in Q2FY26 vs 904K new accounts in Q2FY25. Spends grew by 31% YoY at Rs 107,063 crore in Q2FY26 vs Rs 81,893 crore in Q2FY25. Receivables grew by 8% YoY at Rs 59,845 crore in Q2FY26 vs Rs 55,601 crore in Q2FY25. Market share for Q2FY26 Card-in-force is at 19.0% (Q2FY25: 18.5%), Spends is at 17.0% (Q2FY25: 15.7%), #2 for Cards-in-force and #3 for spends, in industry. Result PDF