One 97 Communications Ltd logo

One 97 Communications Ltd

PAYTM NSE

Key Fundamentals

MidcapFintechFinancial Services
Market Cap
1.0L Cr
Volatility
High Risk
P/E Ratio
152.19
EBITDA
₹314 Cr
Return on Equity
-4.42%
Debt to Equity
0.01
Book Value
₹249.97
EPS
₹0
52W High
₹1,657.6
52W Low
₹930.6

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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32 extracted metrics + investor summaries across FY15–FY26.

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Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

Key Insights

Strengths

3
  • Company is almost debt free.
  • Company has delivered good profit growth of 19.5% CAGR over last 5 years
  • Company's median sales growth is 22.3% of last 10 years

Weaknesses

3
  • Stock is trading at 6.31 times its book value
  • Company has a low return on equity of -4.48% over last 3 years.
  • Earnings include an other income of Rs.625 Cr.

Growth Rate

Revenue Growth
10.65% ↗
Net Income Growth
-184.74% ↘
Cash Flow Change
-118.64% ↘
ROE
-58.69% ↘
ROCE
-58.92% ↘
EBITDA Margin (Avg.)
-132.94% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 3d ago
AI opinion · based on fundamentals
Risk high

One 97 Communications (Paytm) has a market cap of ₹104,727 Cr and trades at a PE of 162.6x, reflecting a turnaround from years of losses to its first profitable phase with ROE turning positive at 5% last year. The company is almost debt-free but carries a 3-year average ROE of -4%, and its TTM sales growth of 23% signals recovering momentum after a regulatory disruption period.

Bull Case 7
  • Company is almost debt-free, providing financial flexibility and lower interest burden during its growth phase
  • ROE turned positive at 5% last year, marking a significant inflection from -4% over 3 years and -9% over 5 years
  • TTM revenue growth of 23% shows business recovery and re-acceleration after the RBI-led disruption in early 2024
  • Compounded profit growth of 263% on a TTM basis indicates a sharp swing toward profitability
  • Stock has delivered 43% returns over 1 year and 24% CAGR over 3 years, reflecting improving market confidence
  • 10-year median sales growth of 22.3% demonstrates a long track record of topline expansion in digital payments
  • 5-year compounded sales CAGR of 25% underlines sustained secular growth in the fintech ecosystem
Bear Case 8
  • PE ratio of 162.6x is extremely elevated, implying the stock prices in significant future earnings growth that may not materialize
  • Price-to-book of 6.58x is expensive for a company that has only recently turned profitable
  • 3-year average ROE of -4.48% indicates the company has historically destroyed shareholder value
  • Earnings include other income of ₹625 Cr, raising concerns about the quality and sustainability of reported profits
  • Zero dividend yield means shareholders rely entirely on capital appreciation with no income cushion
  • 3-year compounded sales CAGR of just 2% reveals severe revenue disruption likely from the RBI action on Paytm Payments Bank
  • 5-year compounded profit growth of 20% appears modest given the base was deeply negative, and 10-year profit CAGR of only 9% reflects prolonged losses
  • EPS data is unavailable, making it difficult to assess per-share earnings power and dilution impact on existing shareholders

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 18h ago
Headwinds 1
  • SEBI probe on KMP disclosures Aug 12

    Key Managerial Personnel received a show cause notice from SEBI regarding timing of a December 2023 corporate announcement. Company states no expected financial impact but regulatory scrutiny remains an overhang.

Positives 3
  • Q1 profit rises to ₹220 crore Jul 20

    Net profit grew to ₹220 crore in Q1FY26 from ₹183 crore in the previous quarter. Revenue from operations increased to ₹2,448 crore, signaling continued business momentum.

  • Split Bills feature launched Jul 29

    Paytm introduced Split Bills on July 29, 2026, enabling users to track and settle shared expenses via UPI with no entry limits or costs, expanding platform utility.

  • Investor engagement at 6 conferences Jul 29

    Company disclosed analyst and investor meetings scheduled from August to September 2026 at events hosted by UBS, Jefferies, and J.P. Morgan, indicating active institutional outreach.

Neutral 3
  • ₹38.98 Cr block trade on NSE Jul 21

    Approximately 2,92,029 shares traded at ₹1,334.80 per share for a total value of ₹38.98 crore, indicating institutional-level activity.

  • ₹15.36 Cr block trade on NSE Aug 4

    Approximately 1,08,924 shares traded at ₹1,410.00 per share for a total value of ₹15.36 crore, suggesting continued institutional participation at higher price levels.

  • 15.4 lakh ESOPs granted at ₹9 Jul 20

    NRC approved granting 15,42,117 stock options under ESOP 2019 at ₹9 per share. Separately, 5,87,147 options lapsed.

TL;DR: Paytm is delivering consistent profitability with Q1FY26 net profit rising to ₹220 crore and revenue reaching ₹2,448 crore. Product innovation continues with the Split Bills feature, and institutional interest is evident through block trades at rising prices (₹1,335 to ₹1,410). The SEBI show cause notice is a minor regulatory risk but carries no expected financial impact. The trend is improving with growing earnings and active investor engagement heading into Q2.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales
2,342
2,519
2,850
2,267
1,502
1,659
1,828
1,912
1,918
2,061
2,194
2,264
2,448
Expenses
2,652
2,750
3,014
2,734
2,295
2,063
2,051
2,000
1,846
1,921
2,039
2,132
2,245
Operating Profit
-311
-231
-163
-467
-794
-404
-223
-88
72
140
155
132
203
OPM %
-13%
-9%
-6%
-21%
-53%
-24%
-12%
-4.6%
3.8%
7%
7%
6%
8%
Other Income
123
139
149
132
138
1,524
189
-299
224
32
212
199
182
Interest
7
7
5
5
4
3
4
5
4
5
4
5
7
Depreciation
159
180
201
196
178
179
165
150
166
137
133
132
131
PBT
-354
-279
-221
-536
-839
938
-203
-542
126
30
230
194
247
Tax %
1%
5%
0%
3%
0%
1%
2%
1%
2%
30%
2%
6%
11%
Net Profit
-358
-292
-222
-550
-840
930
-208
-545
123
21
225
183
220
EPS in Rs
-5.63
-4.58
-3.46
-8.65
-13.19
14.58
-3.26
-8.47
1.93
0.33
3.52
2.87
3.44
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales
323
855
3,224
3,279
2,801
4,974
7,990
9,978
6,900
8,437
8,967
Expenses
683
2,523
7,592
5,964
4,640
7,358
9,634
10,921
8,406
7,937
8,337
Operating Profit
-360
-1,668
-4,368
-2,685
-1,838
-2,384
-1,644
-943
-1,506
500
630
OPM %
-111%
-195%
-135%
-82%
-66%
-48%
-21%
-9%
-22%
6%
7%
Other Income
16
164
280
-45
356
288
410
314
1,550
668
625
Interest
2
1
38
54
38
42
24
26
17
18
21
Depreciation
21
28
112
174
178
247
485
736
673
568
533
PBT
-367
-1,534
-4,237
-2,958
-1,698
-2,385
-1,743
-1,390
-645
582
701
Tax %
1%
0%
0%
-1%
0%
0%
2%
2%
3%
5%
—
Net Profit
-372
-1,535
-4,231
-2,942
-1,701
-2,396
-1,776
-1,422
-663
552
649
EPS in Rs
-123
-332
-727
-470
-280
-36.9
-28.02
-22.3
-10.33
8.64
10.16
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
30
46
58
60
60
65
63
64
64
64
Reserves
354
2,751
5,667
8,045
6,474
14,087
12,952
13,263
14,963
15,962
Borrowings
0
15
932
428
612
222
223
177
160
194
Other Liabilities
316
637
2,107
1,769
2,004
3,618
4,727
5,190
6,261
7,695
Total Liabilities
701
3,450
8,764
10,302
9,151
17,991
17,966
18,693
21,448
23,915
Fixed Assets
47
81
841
594
491
914
1,209
1,247
890
910
CWIP
11
59
56
15
24
12
11
14
16
7
Investments
112
2,308
2,849
3,740
413
1,230
2,697
4,628
4,172
4,501
Other Assets
530
1,002
5,018
5,954
8,223
15,836
14,048
12,804
16,370
18,497
Total Assets
701
3,450
8,764
10,302
9,151
17,991
17,966
18,693
21,448
23,915
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-334
-1,405
-4,476
-2,377
-2,082
-1,236
416
651
-121
-743
Investing
-20
-2,229
1,906
-1,997
1,934
-5,484
2,628
338
-2,031
1,719
Financing
459
3,938
2,110
5,160
-222
8,054
-1,112
-22
-53
-50
Net Cash Flow
104
304
-460
786
-371
1,334
1,931
967
-2,205
926
Free Cash Flow
-372
-1,515
-4,651
-2,563
-2,270
-1,741
-281
-161
-438
-1,211
CFO/OP
93
87
98
88
123
46
-36
-81
9
-142
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days
100
53
29
34
61
55
57
60
69
51
Cash Conversion Cycle
100
53
29
34
61
55
57
60
69
51
Working Capital Days
12
-83
195
116
289
162
61
-18
-119
-55
ROCE %
—
-101%
—
-34%
-21%
-22%
-12%
-8%
-10%
5%

Shareholding Pattern

As of Jun 2026
FIIs 48.08%
DIIs 24.87%
Others 16.59%
Public 10.46%
Total 100.00%
  Jul 2021Nov 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Feb 2023Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
71.49%
66.12%
61.35%
60.27%
55.25%
39.52%
45.08%
60.40%
58.24%
55.53%
56.20%
55.38%
54.87%
51.70%
51.76%
49.40%
48.08%
DIIs
0.00%
0.83%
1.06%
1.07%
1.14%
1.26%
1.87%
2.99%
3.19%
3.54%
4.06%
5.38%
6.86%
7.14%
8.49%
11.88%
14.02%
15.83%
19.95%
20.32%
23.08%
24.87%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
0.00%
12.05%
12.76%
16.98%
16.21%
6.66%
9.68%
9.22%
9.09%
8.41%
8.73%
13.40%
15.32%
16.56%
16.58%
13.92%
13.01%
12.22%
11.42%
11.13%
10.90%
10.46%
Others
100.00%
87.12%
86.18%
81.95%
82.65%
20.59%
22.33%
26.45%
27.45%
32.79%
47.69%
36.13%
17.42%
18.05%
19.40%
18.00%
17.59%
17.08%
16.92%
16.79%
16.62%
16.59%
No. of Shareholders
2,167
10,02,890
10,57,590
12,59,780
11,95,330
11,24,470
12,00,100
11,45,800
11,20,570
10,35,000
10,12,890
11,28,930
12,31,220
11,66,850
10,49,980
9,89,752
9,67,955
9,15,364
8,68,596
8,41,556
8,20,408
7,76,661

Documents

Frequently Asked Questions about One 97 Communications Ltd

What does One 97 Communications Ltd do?
Incorporated in 2000, One 97 Communications Ltd is India's leading digital ecosystem for consumers as well as merchants. As of March 31, 2021, the company has a 333 million+ client base and 21 million+ registered merchants to whom it offers payment services, financial services, and commerce and c...
Where is One 97 Communications Ltd (PAYTM) listed?
One 97 Communications Ltd is listed on the Indian stock exchanges. It is listed on NSE: PAYTM and BSE: 543396. You can view its live share price, financials, and ratios on Tapetide.
Which sector does One 97 Communications Ltd belong to?
One 97 Communications Ltd operates in the Financial Services sector within the Fintech industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of One 97 Communications Ltd?
One 97 Communications Ltd has a market capitalisation of approximately ₹100059.06 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of One 97 Communications Ltd?
The Price-to-Earnings (PE) ratio of One 97 Communications Ltd is 152.19. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of One 97 Communications Ltd?
Over the past 52 weeks, One 97 Communications Ltd has traded between a low of ₹930.6 and a high of ₹1,657.6. This range helps investors understand the stock's price volatility and recent trading levels.
What is the Return on Equity (ROE) of One 97 Communications Ltd?
One 97 Communications Ltd has a Return on Equity (ROE) of -4.42%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research One 97 Communications Ltd on Tapetide?
On Tapetide, you can view One 97 Communications Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Incorporated in 2000, One 97 Communications Ltd is India's leading digital ecosystem for consumers as well as merchants. As of March 31, 2021, the company has a 333 million+ client base and 21 million+ registered merchants to whom it offers payment services, financial services, and commerce and cloud services.[1]

Website paytm.com
Listed 2021-11-18
Face Value ₹ 1
Issued Size 63,95,39,256

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