One 97 Communications Ltd

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One 97 Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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One 97 Communications Ltd

₹ 1,634 -3.10%
30 Oct - close price
paytm.com BSE: 543396 NSE: PAYTM F&O
About

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]

Key Points

Business Overview:[1]
The company operates Paytm, a payment-led consumer and merchant ecosystem. Payments acquire and engage users and merchants. The same base is monetised through device subscriptions, payment processing, loan distribution, equity broking, mutual funds, insurance, advertising, travel and other marketing services. Lending remains capital-light. Loans are underwritten and booked by lending partners, while Paytm provides distribution, customer insights, the borrower interface and collections infrastructure.
The merchant acceptance stack includes QR, Soundbox, All-in-One POS and online payment gateway, covering UPI, cards, credit card on UPI and EMI. The consumer app covers UPI P2P and P2M, recharges, bill payments and money transfers.[1][2]

Website BSE NSE F&O
  • Market Cap ₹ 1,04,984 Cr.
  • Current Price ₹ 1,634
  • High / Low ₹ 1,856 / 931
  • Stock P/E 175
  • Book Value ₹ 211
  • Dividend Yield 0.00 %
  • ROCE 3.75 %
  • ROE 3.66 %
  • Face Value ₹ 1.00
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Pros

  • Company is almost debt free.
  • Company has delivered good profit growth of 18.3% CAGR over last 5 years
  • Debtor days have improved from 65.0 to 43.6 days.
  • Company's median sales growth is 16.4% of last 10 years

Cons

  • Stock is trading at 7.73 times its book value
  • Company has a low return on equity of -6.08% over last 3 years.
  • Earnings include an other income of Rs.575 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Financial Technology (Fintech) Financial Technology (Fintech)

Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 Nifty 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
1,980 2,138 1,698 1,149 1,265 1,492 1,599 1,586 1,681 1,553 1,005 1,069 1,199
2,246 2,330 2,193 1,919 1,686 1,700 1,680 1,510 1,593 1,469 1,020 982 1,118
Operating Profit -266 -192 -495 -771 -421 -208 -81 76 88 84 -15 87 81
OPM % -13% -9% -29% -67% -33% -14% -5% 4.8% 5% 5% -1.5% 8% 7%
125 141 126 125 1,420 169 -350 153 -213 161 151 134 129
Interest 7 5 5 4 3 4 4 4 5 4 4 5 6
Depreciation 176 197 192 175 175 162 146 162 134 96 13 13 17
Profit before tax -324 -254 -566 -825 821 -205 -581 63 -264 145 119 203 187
Tax % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 9% 10%
-324 -254 -566 -825 821 -205 -581 63 -264 145 119 185 169
EPS in Rs -5.10 -3.99 -8.91 -12.97 12.90 -3.22 -9.11 0.99 -4.13 2.27 1.86 2.89 2.63
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
449 625 2,982 3,050 3,115 2,667 3,892 6,028 7,661 5,505 5,825 4,826
2,169 2,389 4,685 7,164 5,580 4,344 6,188 7,729 8,698 6,986 5,590 4,589
Operating Profit -1,720 -1,764 -1,703 -4,114 -2,465 -1,677 -2,296 -1,701 -1,038 -1,481 235 237
OPM % -383% -282% -57% -135% -79% -63% -59% -28% -14% -27% 4.0% 4.9%
234 932 308 251 -175 310 239 336 307 1,365 253 575
Interest 1 4 28 20 50 36 40 22 24 16 17 19
Depreciation 25 39 69 76 143 157 228 470 721 657 404 139
Profit before tax -1,512 -876 -1,491 -3,960 -2,833 -1,560 -2,325 -1,856 -1,476 -789 67 654
Tax % -0% 0% -0% 0% 0% 0% 0% 0% 0% 0% 0%
-1,510 -880 -1,490 -3,960 -2,833 -1,560 -2,325 -1,856 -1,476 -789 67 618
EPS in Rs -32.67 -18.72 -26.94 -68.82 -46.88 -25.80 -35.85 -29.28 -23.23 -12.37 1.05 9.65
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 29%
5 Years: 17%
3 Years: -1%
TTM: -24%
Compounded Profit Growth
10 Years: 9%
5 Years: 18%
3 Years: 31%
TTM: 3261%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: 22%
1 Year: 25%
Return on Equity
10 Years: -19%
5 Years: -10%
3 Years: -6%
Last Year: 4%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 46 47 55 58 60 60 65 63 64 64 64 64
Reserves 2,771 2,329 7,520 5,978 8,351 6,924 13,648 12,223 12,275 12,810 13,049 13,503
15 90 242 722 405 588 204 207 169 155 162 253
630 1,422 739 1,925 1,690 1,907 2,440 3,143 4,034 4,412 1,437 1,231
Total Liabilities 3,462 3,888 8,556 8,683 10,507 9,480 16,357 15,636 16,542 17,441 14,712 15,051
78 141 166 286 508 390 830 1,137 1,183 872 242 353
CWIP 58 72 20 51 12 23 11 8 11 4 7 1
Investments 2,363 972 5,188 3,440 4,212 1,299 1,305 2,493 4,337 5,071 7,738 8,521
964 2,703 3,183 4,906 5,776 7,767 14,210 11,998 11,013 11,494 6,725 6,176
Total Assets 3,462 3,888 8,556 8,683 10,507 9,480 16,357 15,636 16,542 17,441 14,712 15,051

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-1,828 -2,582 -4,355 -2,242 -2,002 -1,318 92 225 38 78
1,672 -4,267 1,709 -2,181 1,718 -5,472 2,946 608 -1,935 805
472 6,401 2,861 5,169 -207 8,062 -1,101 7 -17 -30
Net Cash Flow 316 -448 215 746 -492 1,272 1,936 840 -1,914 853
Free Cash Flow 1,262 -2,623 -4,508 -2,411 -2,175 -1,821 -586 -578 -255 -223
CFO/EBITDA Share of operating profit converting into cash: CFO (before tax) / Operating Profit 101% 142% 101% 90% 131% 53% -14% -30% 2% 32%

Ratios

Standalone / View Consolidated

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 88 54 62 29 38 67 66 69 70 81 44
Inventory Days
Days Payable
Cash Conversion Cycle 88 54 62 29 38 67 66 69 70 81 44
Working Capital Days 11 352 191 228 134 310 207 95 -2 -72 53
ROCE % -39% -28% -53% -32% -18% -21% -14% -10% -12% 4%

Insights

In beta
Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross Merchandise Value (GMV)
₹ Lakh Cr

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Monthly Transacting Users (MTU)
Cr
Registered Merchants
Cr
Subscription Merchants (cumulative, including devices)
Cr
Total Transactions
Cr
Key Financial Services Customers
Lakh
Average Number of Sales Employees
#
Customer UPI GTV
₹ Lakh Cr

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Shareholding Pattern

Numbers in percentages

39 Recently
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
63.72% 60.41% 58.25% 55.53% 56.20% 55.39% 54.87% 51.71% 51.75% 49.40% 48.09% 43.52%
6.07% 6.85% 7.04% 8.29% 11.88% 14.02% 15.84% 19.95% 20.32% 23.08% 24.87% 29.51%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01%
30.22% 32.75% 34.73% 36.17% 31.93% 30.60% 29.29% 28.35% 27.91% 27.51% 27.04% 26.96%
No. of Shareholders 11,28,92912,31,21911,66,85410,49,9769,89,7529,67,9559,15,3648,68,5968,41,5568,20,4087,76,6617,56,713

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

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DRHP

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