One 97 Communications Ltd.
NSE: PAYTM · Financial Technology (Fintech)
Snapshot
Unlock One 97 Communications Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
One 97 Communications Ltd. (Paytm) is a leading Indian fintech company providing a comprehensive ecosystem of payment, commerce, cloud, and financial services. It facilitates digital transactions for consumers and merchants through its mobile app, QR codes, and payment devices, while offering lending, insurance, and wealth management solutions.
Business Model
The company generates revenue through payment processing fees, merchant service commissions, and by facilitating financial products such as lending, insurance, and wealth management. It also monetises its platform through cloud services, advertising, and ticketing commissions for enterprise and consumer segments.
Growth Outlook
Growth is driven by the deepening penetration of digital payments in India, the expansion of its merchant lending portfolio, and the cross-selling of financial services to its existing user base. The company continues to invest in cloud and software solutions to enhance customer engagement and platform utility.
Key Risks
- Regulatory Environment. The company faces significant exposure to evolving regulations from the Reserve Bank of India regarding digital payments and lending practices.
- Intense Competition. The Indian fintech sector is highly competitive, with pressure from both established banks and large technology-driven payment aggregators.
- Monetisation Challenges. Sustaining profitability remains a challenge as the company balances aggressive user acquisition costs with the need to improve margins on payment services.
- Cybersecurity and Data Privacy. As a digital-first platform, the company is vulnerable to data breaches and cyberattacks that could compromise user trust and lead to regulatory penalties.
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Key Metrics
REVENUE
₹8,967 Cr
TTM · consolidated
NET PROFIT
₹649 Cr
TTM · consolidated
EPS
₹10.16
TTM · consolidated
RETURN ON EQUITY
4.2%
TTM · consolidated
RETURN ON CAPITAL EMPLOYED
4.6%
TTM · consolidated
P/E
163.3x
Q1 FY27 · consolidated
EV/EBITDA
72.2x
Q1 FY27 · consolidated
EBITDA MARGIN
15.9%
TTM · consolidated
NET PROFIT MARGIN
9.0%
Q1 FY27 · consolidated
DEBT TO EQUITY
0.0x
Q1 FY27 · consolidated
Peers · Financial Technology (Fintech)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
One 97 Communications Ltd.PAYTM | ₹1.06L Cr | 163.34 | 72.22 | 22.6% | 15.9% | 4.2% | 4.6% | +33.7% |
PB Fintech Ltd.POLICYBZR | ₹84,950 Cr | 113.12 | 85.85 | 38.0% | 13.4% | 10.9% | 11.6% | -1.5% |
Pine LabsPINELABS | ₹19,104 Cr | 147.23 | 33.51 | — | 19.0% | 2.2% | 4.2% | — |
Seshaasai Technologies LimitedSTYL | ₹6,205 Cr | 23.12 | 14.69 | — | 27.5% | 18.5% | 24.8% | — |
Turtlemint Fintech Solutions LimitedTURTLEMINT | ₹4,243 Cr | — | — | — | -12.0% | — | — | — |
One Mobikwik Systems LimitedMOBIKWIK | ₹1,513 Cr | -118.59 | 36.73 | 2.7% | 3.7% | -2.2% | 2.0% | -31.3% |
As of Q1 FY27
Financials
One 97 Communications Ltd.
NSE: PAYTM · Financial Technology (Fintech)
Snapshot
Unlock One 97 Communications Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
One 97 Communications Ltd. (Paytm) is a leading Indian fintech company providing a comprehensive ecosystem of payment, commerce, cloud, and financial services. It facilitates digital transactions for consumers and merchants through its mobile app, QR codes, and payment devices, while offering lending, insurance, and wealth management solutions.
Business Model
The company generates revenue through payment processing fees, merchant service commissions, and by facilitating financial products such as lending, insurance, and wealth management. It also monetises its platform through cloud services, advertising, and ticketing commissions for enterprise and consumer segments.
Growth Outlook
Growth is driven by the deepening penetration of digital payments in India, the expansion of its merchant lending portfolio, and the cross-selling of financial services to its existing user base. The company continues to invest in cloud and software solutions to enhance customer engagement and platform utility.
Key Risks
- Regulatory Environment. The company faces significant exposure to evolving regulations from the Reserve Bank of India regarding digital payments and lending practices.
- Intense Competition. The Indian fintech sector is highly competitive, with pressure from both established banks and large technology-driven payment aggregators.
- Monetisation Challenges. Sustaining profitability remains a challenge as the company balances aggressive user acquisition costs with the need to improve margins on payment services.
- Cybersecurity and Data Privacy. As a digital-first platform, the company is vulnerable to data breaches and cyberattacks that could compromise user trust and lead to regulatory penalties.
Start your research today
Unlock AI insights, financials, peers and live data on One 97 Communications Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹8,967 Cr
TTM · consolidated
NET PROFIT
₹649 Cr
TTM · consolidated
EPS
₹10.16
TTM · consolidated
RETURN ON EQUITY
4.2%
TTM · consolidated
RETURN ON CAPITAL EMPLOYED
4.6%
TTM · consolidated
P/E
163.3x
Q1 FY27 · consolidated
EV/EBITDA
72.2x
Q1 FY27 · consolidated
EBITDA MARGIN
15.9%
TTM · consolidated
NET PROFIT MARGIN
9.0%
Q1 FY27 · consolidated
DEBT TO EQUITY
0.0x
Q1 FY27 · consolidated
Peers · Financial Technology (Fintech)
As of Q1 FY27