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10 Yrs X-Ray 
Valuation 
Analyst Note 
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Financials 
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About
One97 Communications Ltd (PAYTM)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543396 NSE: PAYTM Fintech | Mid Cap | One97 Communications Share Price
₹1,632 -46.40 (-2.76%)
As on 01-Sep'26 16:59
One97 Communications Ltd (PAYTM)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543396 NSE: PAYTM Fintech | Mid Cap | One97 Communications Share Price
₹1,632 -46.40 (-2.76%)
As on 01-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹1,05,755 Cr.
Current Price
₹1,632
52-Week Low / High
₹947 / 1,732
TTM EPS
₹2.9
TTM Sales
₹5,308 Cr.
Book Value per Share
₹198.6
P/E Ratio
571.65
Industry PE
110.9
Price to Book (P/B)
8.30
Higher than its 5-year historical median
Price to Sales (P/S)
19.92
Higher than its 5-year historical median
EV/EBITDA
119.70
Higher than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
0.54%
Outperforms industry median
Return on Capital Employed (ROCE)
0.65%
Outperforms industry median
Return on Assets (ROA)
0.42%
Operating Profit Margin
3.9%
Net Profit Margin
1.15%
Gross Profit Margin
15.2%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Sales Growth (1 Year)
Improving versus 3-year growth rate
5.81%
Operating Profit Growth (1 Year)
-
-
Net Profit Growth (1 Year)
-
-
Asset Quality
Promoter Holding
0.00%
Pledged shares (%) of Promoter's holding (%)
0.00%
Reserves
₹12,671 Cr.
Equity
₹64.1 Cr.
Face Value
₹1
All Time Low / High
₹310.00 / 1961.05
Check Before You Invest
Quality
Somewhat GoodValuation
OvervaluedCheck Valuation charts
Price Trend
Strong
Is One97 Communications Ltd a good quality company?
One97 Communications Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.
This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.
-
How efficiently has it utilized Capital?
By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.
-
How is it managing its Debt?
By checking its Debt to Equity and Cash Flow from Operations.
How does One97 Communications Ltd performance compare with that of its Peers?
Revenue growth of One97 Communications Ltd vs industry peers?
One97 Communications Ltd revenue CAGR is 16.91%, compared to the industry median CAGR of 18.57%, indicating slower growth and losing its market share.
Promoter shareholding and pledge status of One97 Communications Ltd?
Promoters hold 0.00% of the One97 Communications Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of One97 Communications Ltd over the last decade?
Over the last 3 year(s), the stock has delivered a CAGR of 24.43% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
One97 Communications Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Value Creation ⓘ
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROCE % ⓘ | -22.3% | -28.1% | -54% | -36.2% | -18.9% | -21.5% | -14.1% | -11.8% | -6.1% | 0.7% | - |
| Value Creation Index ⓘ | -3.0 | -3.5 | -5.8 | -4.2 | -2.7 | -2.9 | -2.3 | -2.1 | -1.5 | -0.9 | - |
Growth Parameters ⓘ |
|||||||||||
| Sales ⓘ | 598 | 2,987 | 3,050 | 3,115 | 2,667 | 3,892 | 6,028 | 7,661 | 5,505 | 5,825 | 5,308 |
| Sales YoY Gr. | - | 399.3% | 2.1% | 2.1% | -14.4% | 45.9% | 54.9% | 27.1% | -28.1% | 5.8% | - |
| Adj EPS ⓘ | -21.5 | -26.6 | -67.7 | -43.1 | -25.8 | -35.9 | -28.8 | -23.2 | -20.4 | 5.5 | 2.9 |
| YoY Gr. | - | NA | NA | NA | NA | NA | NA | NA | NA | NA | - |
| BVPS (₹) ⓘ | 49.2 | 134.6 | 101.5 | 134.2 | 109.1 | 196.5 | 156.7 | 136.7 | 191.7 | 196.1 | 198.6 |
| Adj Net Profit ⓘ | -1,009 | -1,470 | -3,893 | -2,604 | -1,563 | -2,325 | -1,824 | -1,472 | -1,299 | 353 | 185 |
| Cash Flow from Ops. ⓘ | -1,832 | -2,582 | -4,355 | -2,242 | -2,002 | -1,318 | 91.6 | 225 | 39 | 78 | - |
| Debt/CF from Ops. ⓘ | -0.1 | -0.1 | -0.2 | -0.1 | -0.3 | 0 | 0 | 0 | 0 | 0 | - |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | 28.8% | 16.9% | -1.1% | 5.8% | ||||
| Adj EPS ⓘ | NA | NA | NA | NA | ||||
| BVPSⓘ | 16.6% | 12.4% | 7.8% | 2.3% | ||||
| Share Price | - | - | 23.9% | 32.1% | ||||
Key Financial Parameters ⓘ
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | -39.2 | -29.5 | -57.2 | -36.1 | -20.3 | -22.5 | -14 | -12 | -10.3 | 2.7 | 1.5 |
| Op. Profit Mgn % ⓘ | -218.2 | -54.2 | -134.7 | -78.9 | -62.9 | -59 | -28.2 | -16.3 | -27.5 | 4 | 4.6 |
| Net Profit Mgn % ⓘ | -168.7 | -49.2 | -127.7 | -83.6 | -58.6 | -59.7 | -30.3 | -19.2 | -23.6 | 6.1 | 3.5 |
| Debt to Equity ⓘ | 0 | 0 | 0.1 | 0 | 0.1 | 0 | 0 | 0 | 0 | 0 | - |
| Working Cap Days ⓘ | 929 | 331 | 452 | 590 | 725 | 683 | 456 | 262 | 312 | 217 | 318 |
| Cash Conv. Cycle ⓘ | -4 | -2 | -1 | -53 | -3 | 11 | 16 | 31 | 53 | 15 | 225 |
Valuation of One97 Communications - Standalone
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 598 | 2,987 | 3,050 | 3,115 | 2,667 | 3,892 | 6,028 | 7,661 | 5,505 | 5,825 |
| Operating Expenses ⓘ + | 1,904 | 4,607 | 7,159 | 5,580 | 4,344 | 6,188 | 7,729 | 8,910 | 7,017 | 5,595 |
| Operating Profit ⓘ | -1,305 | -1,619 | -4,109 | -2,465 | -1,677 | -2,296 | -1,701 | -1,249 | -1,512 | 230 |
| Operating Profit Margin (%) | -218.0% | -54.2% | -134.0% | -79.1% | -62.9% | -59.0% | -28.2% | -16.3% | -27.5% | 3.9% |
| Other Income ⓘ + | 166 | 247 | 342 | 147 | 375 | 283 | 400 | 526 | 668 | 674 |
| Interest ⓘ | 4 | 28 | 20 | 50 | 36 | 40 | 22 | 25 | 16 | 17 |
| Depreciation ⓘ | 39 | 69 | 76 | 143 | 157 | 228 | 470 | 721 | 657 | 404 |
| Profit Before Tax ⓘ | -591 | -1,471 | -3,954 | -2,833 | -1,560 | -2,325 | -1,856 | -1,476 | -789 | 67 |
| Tax ⓘ | 4 | -1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | -595 | -1,470 | -3,954 | -2,833 | -1,560 | -2,325 | -1,856 | -1,476 | -789 | 67 |
| PAT Margin (%) | -99.4% | -49.2% | -129.0% | -91.0% | -58.5% | -59.7% | -30.8% | -19.3% | -14.3% | 1.2% |
| Adjusted EPS (₹) | -12.7 | -26.6 | -68.7 | -46.9 | -25.8 | -35.8 | -29.3 | -23.2 | -12.3 | 1.1 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | |||||||||||
| Shareholders Fund + | 2,309 | 7,448 | 5,838 | 8,108 | 6,602 | 12,754 | 9,934 | 8,696 | 12,270 | 12,549 | |
| Debt + | 90 | 242 | 722 | 201 | 544 | 0 | 0 | 0 | 0 | 0 | |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Trade Payables | 222 | 426 | 673 | 573 | 614 | 711 | 783 | 565 | 619 | 521 | |
| Others Liabilities ⓘ | 1,267 | 440 | 1,450 | 1,624 | 1,719 | 2,892 | 4,920 | 7,282 | 4,552 | 1,642 | |
| Total Liabilities ⓘ | 3,888 | 8,556 | 8,683 | 10,507 | 9,480 | 16,357 | 15,636 | 16,543 | 17,441 | 14,712 | |
Fixed Assets | |||||||||||
| Net Fixed Assets ⓘ + | 141 | 166 | 286 | 508 | 391 | 830 | 1,137 | 1,183 | 872 | 242 | |
| CWIP ⓘ | 72 | 20 | 51 | 12 | 23 | 11 | 8 | 11 | 4 | 7 | |
| Investments ⓘ | 592 | 5,188 | 3,440 | 4,212 | 1,299 | 1,305 | 2,493 | 4,337 | 5,071 | 7,738 | |
| Inventories | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Trade Receivables | 93 | 505 | 242 | 328 | 492 | 706 | 1,142 | 1,470 | 1,229 | 695 | |
Cash Equivalents 
ⓘ
| 557 | 287 | 241 | 369 | 2,573 | 4,835 | 6,312 | 5,702 | 7,401 | 3,892 | |
| Others Assets ⓘ | 2,433 | 2,391 | 4,422 | 5,079 | 4,703 | 8,669 | 4,544 | 3,841 | 2,864 | 2,138 | |
| Total Assets ⓘ | 3,888 | 8,556 | 8,683 | 10,507 | 9,480 | 16,357 | 15,636 | 16,543 | 17,441 | 14,712 | |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ + | -1,832 | -2,582 | -4,355 | -2,242 | -2,002 | -1,318 | 92 | 225 | 39 | 78 |
| Cash Flow From Investing Activity ⓘ + | 1,676 | -4,267 | 1,709 | -2,181 | 1,718 | -5,472 | 2,946 | 608 | -1,935 | 805 |
| Cash Flow From Financing Activity ⓘ + | 420 | 6,401 | 2,861 | 5,169 | -208 | 8,062 | -1,101 | 7 | -18 | -30 |
| Net Cash Flow ⓘ | 264 | -448 | 215 | 746 | -492 | 1,273 | 1,937 | 840 | -1,914 | 853 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | -23.49 | -30.13 | -59.53 | -40.63 | -21.21 | -24.02 | -16.36 | -15.85 | -7.53 | 0.54 |
| ROCE (%) | -22.31 | -28.07 | -53.95 | -36.18 | -18.88 | -21.51 | -14.11 | -11.79 | -6.13 | 0.65 |
| Asset Turnover Ratio | 0.16 | 0.48 | 0.35 | 0.32 | 0.27 | 0.3 | 0.38 | 0.48 | 0.32 | 0.36 |
| PAT to CFO Conversion(x) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.16 |
| Working Capital Days | ||||||||||
| Receivable Days | 61.20 | 36.50 | 44.70 | 33.40 | 56 | 56.10 | 56 | 62.20 | 89.50 | 60.30 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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One97 Communications Ltd FAQs
The current trading price of One97 Communications on 01-Sep-2026 16:59 is ₹1,632.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 31-Aug-2026 the market cap of One97 Communications stood at ₹1,05,754.9 Cr
The latest P/E ratio of One97 Communications as of 31-Aug-2026 is 571.6.
The latest P/B ratio of One97 Communications as of 31-Aug-2026 is 8.30.
The 52-week high of One97 Communications is ₹1,732 and the 52-week low is ₹947.1.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of One97 Communications is ₹5,308 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that One97 Communications Ltd is a average quality company.
The key valuation ratios of One97 Communications Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of One97 Communications Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
About One97 Communications Ltd
One 97 Communications (Paytm) is India’s leading digital ecosystem for consumers and merchants as it has built the largest payments platform in India based on the number of consumers, number of merchants, number of transactions and revenue. It offers payment services, commerce and cloud services, and financial services to registered consumers and registered merchants. Its two-sided (consumer and merchant) ecosystem enables commerce, and provides access to financial services through its financial institution partners, by leveraging technology to improve the lives of its consumers and help its merchants grow their businesses. The company launched Paytm in 2009, as a ‘mobile-first’ digital payments platform to enable cashless payments for Indians, giving them the power to make payments from their mobile phones. Paytm is available across the country with advertising tagline ‘Paytm karo’ (i.e. use Paytm), evolving into a verb for hundreds of millions of Indian consumers, shopkeepers, merchants and small businesses.
The Paytm app is a payments-led super-app, through which it offers consumers innovative and intuitive digital products and services. It offers consumers a wide selection of payment options on the Paytm app, which include (i) Paytm Payment Instruments, which allow them to use digital wallets, sub-wallets, bank accounts, buy-now-pay-later and wealth management accounts and (ii) major third-party instruments, such as debit and credit cards and net banking. On its app, it enables consumers to transact at in-store merchants, pay their bills, make mobile top-ups, transfer money digitally, create and manage their Paytm Payment Instruments, check linked account balances, service city challans and municipal payments, buy travel and entertainment tickets, play games online, access digital banking services, borrow money, buy insurance, make investments and more.
Business area of the company
The company is in the business of providing a) payment and financial services which primarily includes payment facilitator services, facilitation of consumer and merchant lending to consumers and merchants, wealth management etc. b) marketing services which primarily consists of aggregator for digital products, ticketing business, providing voice and messaging platforms to the telecom operators and enterprise customers and other businesses, etc.
Services offered by the company
- Recharge & Bills
- Ticket Booking
- Payments & Services
- Paytm for Business
Awards and Accreditations
- 2015: Awarded the ‘Most Innovative Company of the Year’ award at Business Standard Annual Awards, 2014.
- 2015: Awarded the ‘Disruptive Digital Innovator’ award at Digitizing India Awards, 2015.
- 2016: Awarded under the ‘impact’ category at Future of Fintech Awards by Financial Times.
- 2018: Awarded under the ‘mobile payment product’ category for digital payment facilitators at the 12th India Digital Summit organised by Internet and Mobile Association of India.
- 2018: Awarded ‘best online commercial’ award at Drivers of Digital Awards and Summit, 2018.
- 2019: Group Company, Paytm Payments Bank, was awarded ‘Finacle Client Innovation Award, 2019’ for the ‘product innovation’ category by Infosys Finacle.
- 2020: Subsidiary, Paytm Money, was awarded the ‘excellence in payment’ award by India FinTech Forum at India FinTech Awards, 2020.
- 2020: Group Company, Paytm Payments Bank, was awarded ‘ETBFSI Excellence Award’ for the ‘Best Digital Bank of the Year’ category by ETBFSI.com.
- 2021: Subsidiary, Paytm Money, was awarded for ‘trading tech’ at BW Disrupt TechTors Summit & Awards.
- 2021: Awarded ‘Best FinTech Growth Story’ award at ‘India Digital Awards’ conducted by Internet and Mobile Association of India.
- 2021: Awarded Excellence in Payments (Issuer) category for Paytm Payments Bank’s FASTags at 2nd edition of ASSOCHAM’s Annual FinTech & Digital Payments, 2021 event.
- 2022: Most Innovative Use of Technology - Paytm QR.
- 2022: Most Design User-friendly Interface Fintech App - Paytm App.
- 2022: Best UPI App - Paytm App.
- 2023: Best Fintech Company of the Year - Paytm.
- 2023: MSME Enabler Banking & Financing - Paytm.
- 2023: Digital Transformation Excellence in Banking - PPBL.
- 2024: Best Initiative to Reduce Carbon Footprint - Paytm.
- 2024: Great Indian Best Innovation Changemaker of the Year - Vijay Shekhar Sharma.
- 2024: Great Indian Social Sustainability D&I - Paytm.
- 2025: Best Mobile App - Paytm.
- 2025: Excellence in AI-Powered Financial Inclusion - Paytm.
- 2025: Most Innovative Fintech Company India 2025 - Paytm.
- 2025: Financial Champion of the Year - Paytm.
- 2026: Customer Experience AI Solution of the Year - Paytm Checkin
- 2026: First Indian Company on the Global Capability Leaderboard - Paytm's AI System.
Major events and milestones
- 2009: Launch of Paytm, a payment service which allowed prepaid users to top up their mobile accounts, and also shop directly using their bank accounts or credit cards.
- 2012: Launch of payment gateway.
- 2013: Receipt of RBI license for semi-closed wallet.
- 2014: Launch of Paytm wallet app for iOS and Android.
- 2017: Issuance of license to Paytm Payments Bank by the Reserve Bank of India to carry on ‘payments bank’ business in India pursuant to the Banking Regulation Act, 1949.
- 2017: Launch of Paytm FASTag by Paytm Payments Bank across India.
- 2019: Issuance of certificate of registration to Paytm Money by SEBI to act as a ‘stock broker’ pursuant to the SEBI (Stock Brokers) Regulations, 1992.
- 2020: Issuance of certificate of registration to Paytm Insurance Broking by IRDAI to act as a ‘direct broker (life and general)’ pursuant to the IRDAI (Insurance Brokers) Regulations, 2018.
- 2020: Launch of mini-app store to support Indian developers.
- 2021: One 97 Communications comes with an IPO to raise upto Rs 18,916 crore.
- 2022: One97 Communications forms joint venture general insurance company.
- 2022: One97 Communications, Fullerton India enter into partnership to provide lending products
- 2022: One97 Communications launches ‘Tap to Pay Card’.
- 2023: One97 Communications partners with Amadeus.
- 2023: One97 Communications launches Card Soundbox.
- 2023: One 97 Communications inks pact with SBI Card.
- 2024: Paytm offers Simplified FASTag Recharge and HDFC Bank FASTag Purchase.
- 2024: Paytm streamlines metro rides with Easy QR Ticket Purchases & Smart Card Recharges.
- 2024: Paytm Launches India’s First NFC Card Soundbox.
- 2025: Paytm launches new feature for stock trading with auto payment deductions.
- 2025: Paytm Partners with RBL Bank to Empower Merchants with Pioneer Soundbox and Card Machines.
- 2025: Paytm unveils AI-powered app with cleaner design, smarter payment experience.
- 2025: Paytm launches India’s First AI Soundbox for Payments.
- 2025: Paytm rolls out UPI Access for NRIs in 12 countries.
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