SBI Cards and Payment Services Limited — Investor Meet, 30-04-2025: Analysts/Institutional Investor Meet/Con. Call Updates

SBI Cards and Payment Services Limited held an earnings conference call discussing Q4 FY '25 performance. The company reported total revenue of INR 4,832 Cr, up 8% YoY, and a profit after tax of INR 534 Cr, reflecting a 39% QoQ increase. Key metrics included improved gross credit costs at 9% and gross NPAs reduced to 3.08%. Management indicated steady customer acquisition, adding over 4 million new accounts this financial year, with a focus on digital onboarding. The sentiment is cautious as the company aims to enhance asset quality and expand offerings in premium segments and Tier 2/3 cities amidst macroeconomic challenges.