PAYTM · One 97 Communications Ltd · Consumer Financial Services
PAYTM · One 97 Communications Ltd · Consumer Financial Services
As of 05 Nov close
52-week range
4.0% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old
Revenue (latest Q)
₹2,448 Cr
Revenue YoY
PAT YoY
+79.6%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
7
P/S (TTM)
12.9
Sector P/E
25.4
Dividend yield
0.0%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| PAYTM (this stock) | 112.1 | 7 | +7.3% | +4.1% | 0.01 | 0.0% |
| Bajaj Finance | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Jio Financial Services | 95.5 | 1.2 | +49.8% | Not available from data source | 11.81 | +0.2% |
Promoter
Not available from data source
FII
falling 2q
MF
17.94% (+1.34pp)
rising 2q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
| canonicalSymbol | date | buy quantity | buyer count | deal strength | deal types present |
|---|---|---|---|---|---|
| PAYTM | 2026-08-18 | 0 | 0 | STRONG | BULK |
| PAYTM | 2026-08-04 | 0 | 0 | STRONG | BULK |
News timeline
- lowbusiness-standard.com· 14 Oct 2026, 02:17 pmPaytm's Indian investors hold over 56% stake as domestic ownership rises
- loweconomictimes.indiatimes.com· 15 Jul 2026, 10:01 pmPaytm remains majority Indian-owned for 2nd consecutive quarter
Concalls & investor presentations
AI-generatedKey takeaway: One 97 Communications Limited conducted its earnings conference call on July 21, 2026, to discuss its financial results for the quarter ended June 30, 2026. Management reported strong growth in the consumer payment business, claiming to outpace the market growth of the UPI sector and gain market share. CEO Vijay Shekhar Sharma highlighted a focus on disciplined customer acquisition and monetization strategies, particularly in wealth management and AI-driven services. CFO Madhur Deora noted an increase in EBITDA margins, attributing this to revenue growth outpacing indirect expenses. The management expressed confidence in achieving higher profitability and emphasized the importance of cash reserves for future opportunities. They also discussed the performance of their Postpaid and lending services, indicating a positive trajectory in customer engagement and financial services revenue. The call concluded with management expressing optimism about future growth prospects across various segments.
Management highlighted strong growth and profitability improvements during the earnings call.
Sourced from an exchange-filed transcript, dated 27 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: One 97 Communications Limited conducted its earnings conference call on May 7, 2026, to discuss financial results for the quarter and year ending March 31, 2026. Management, including CEO Vijay Shekhar Sharma and CFO Madhur Deora, highlighted a focus on improving communication style and simplifying earnings releases. They discussed revenue growth acceleration for Fiscal 2027, attributing it to recovery in marketing services and strong performance in payments and financial services. Management noted that marketing services would be a key area of focus, leveraging AI to enhance customer engagement. They reported strong growth in personal loans and merchant loans, with a significant opportunity in wealth management. The call also addressed the impact of cashback incentives and the importance of acquiring high-quality customers. Management expressed confidence in achieving EBITDA margins of 15-20% in the medium term, emphasizing operational efficiencies and growth across various business segments.
Management emphasized growth opportunities and operational improvements.
Sourced from an exchange-filed transcript, dated 12 May 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedThe report outlines Paytm's strategic focus on expanding its payment-led business model, leveraging AI to enhance operational efficiency and monetization across consumer and merchant ecosystems. Management expects the company to achieve its first full year of profitability in FY2026, driven by growth in merchant payments, financial services distribution, and AI integration. The report also details governance improvements, remuneration frameworks for directors, and risk management practices aligned with regulatory guidelines.
- Expansion of merchant payments through AI-powered innovations and device subscriptions
- Strategic emphasis on financial services distribution with high-margin opportunities in lending and insurance
- Implementation of AI across operations to improve efficiency and monetization
- Governance enhancements including remuneration benchmarks for non-executive directors
- Risk management frameworks addressing regulatory, financial, and operational challenges
Key takeaway: Paytm's strategic focus on AI-driven expansion of its payment and financial services ecosystem, coupled with governance improvements, positions it for sustained growth in India's evolving digital economy.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Regulatory Action (2 items); Default / Covenant Breach (3 items); Investigation or enforcement mention (1 item)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Regulatory Action
2 occurrencesRecent (last 12 months)
The company and two of its directors were fined ₹4,000 each by the Hon’ble Labour Court of Ahmedabad, Gujarat on September 13, 2025.
Earlier (1-3 years ago)
The company received a Show Cause Notice from SEBI in 2023-24 regarding compliance of ESOPs with SEBI SBEB Regulations 2021, and a settlement application was filed but remained under consideration as of March 31, 2025.
Default / Covenant Breach
3 occurrencesRecent (last 12 months)
The company has overdue loans to Arthimpact Finserve Private Limited (INR 33 crores, 1,552 days overdue), Robust Infocom Private Limited (INR 26 crores, 1,490 days overdue), and Rooter Sports Technologies Private Limited (INR 4 crores, 94 days overdue) with repayment schedules not met.
Earlier (1-3 years ago)
The company has overdue principal amounts of Rs. 1,186 million, Rs. 1,124 million, and Rs. 459 million from Arthimpact Finserve Private Limited, Robust Infocom Private Limited, and Rooter Sports Technologies Private Limited, respectively, with no payments made as of the balance sheet date.
Older (3+ years ago)
The company has extended the loan of INR 70 million to December 29, 2024 through an addendum dated November 3, 2022.
Investigation or enforcement mention
1 occurrenceOlder (3+ years ago)
The company received complaints related to suspected fraud, bribery, or kickbacks, but investigations could not proceed due to incomplete details. The complainants were reminded to provide more information, but no response has been received yet.
Routine disclosures
Contingent Liability
3 occurrencesRecent (last 12 months)
The company has commitments and contingencies related to leases and capital commitments, with rental expenses of INR 4 crore for the year ended March 31, 2026.
Earlier (1-3 years ago)
The company has contingent liabilities related to income tax, service tax, and GST matters, and is assessing the impact of a Supreme Court judgment on the definition of 'basic wages' under the Employees' Provident Fund Act. No provision has been made for these contingent liabilities in the standalone financial statements.
Older (3+ years ago)
The company has claims against it not acknowledged as debts, including income tax related matters and custom duty related matters, as of March 31, 2023 and March 31, 2022.
Related-Party Transaction
3 occurrencesRecent (last 12 months)
The company engaged in transactions with related parties including One97 Communications FZ-LLC, Mobiquest Mobile Technologies Private Limited, Paytm Payments Bank Limited, and others during the year ended March 31, 2026.
Earlier (1-3 years ago)
The company has disclosed transactions with related parties including entities like SAIF III Mauritius Company Limited, Elevation Capital V Limited, and others, as well as services rendered to companies such as One97 Communications FZ-LLC and Paytm Payments Bank Limited during the fiscal years ending March 31, 2025 and 2024.
Older (3+ years ago)
The company's members approved material related party transactions with Paytm Payments Bank Limited via postal ballot on March 23, 2023, in accordance with SEBI Listing Regulations, 2015.
Management & Board Governance
2 occurrencesEarlier (1-3 years ago)
Mr. Neeraj Arora resigned as an Independent Director on June 17, 2024, and Mr. Bimal Julka resigned as a Non-Executive Independent Director on July 22, 2025.
Older (3+ years ago)
Mr. Amit Khera, Company Secretary of the Holding Company, has resigned effective March 14, 2023. The Holding Company is seeking a replacement within the applicable statutory time limit.