One 97 Communications Limited
One97 Communications Limited provides payment, commerce and cloud, and financial services to consumers and merchants in India, the United Arab Emirates, Saudi Arabia, and Singapore. The company offers payment and financial services, including payment facilitator services, facilitation of consumer and merchant lending to consumers and merchants, wealth management, etc. It also provides marketing services consist of aggregators for digital products, the ticketing business, the provision of voice and messaging platforms to telecom operators, enterprise customers and other businesses, etc. In addition, the company offers mobile recharge; bill payments, such as utility bills, education and money transfers on the app, online payment gateways, as well as offline payment solutions to merchants through QR codes, soundbox, and card machines. Further, it provides digital distribution of credit, insurance, mutual funds distribution, and equity broking services; other services, including ticketing, deals and gift vouchers and advertising services for merchants; and distributes credit cards. Additionally, the company offers lending and wealth management for consumers and merchants; loyalty solutions; and operates a technology platform for origination, loan management, and collection for credit access. One97 Communications Limited was incorporated in 2000 and is headquartered in Noida, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockRule-based from financial data. Not advice.
Historically, Aug has averaged the highest return (+13.8%); Feb the lowest (-11.7%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -12.5%Negative MonthJan 2026: -12.46% | -3.6%Negative MonthFeb 2026: -3.59% | -12.5%Negative MonthMar 2026: -12.54% | +14.4%Positive MonthApr 2026: +14.36% | +1.5%Neutral MonthMay 2026: +1.47% | +2.7%Positive MonthJun 2026: +2.73% | +14.5%*Positive MonthJul 2026: +14.53% | β | β | β | β | β |
| 2025 | -23.7%Negative MonthJan 2025: -23.72% | -7.7%Negative MonthFeb 2025: -7.71% | +9.4%Positive MonthMar 2025: +9.39% | +10.3%Positive MonthApr 2025: +10.31% | +3.0%Positive MonthMay 2025: +3.01% | +3.9%Positive MonthJun 2025: +3.89% | +17.4%Positive MonthJul 2025: +17.40% | +11.1%Positive MonthAug 2025: +11.14% | -6.9%Negative MonthSep 2025: -6.92% | +16.0%Positive MonthOct 2025: +15.96% | +1.4%Neutral MonthNov 2025: +1.43% | -1.7%Neutral MonthDec 2025: -1.70% |
| 2024 | +19.8%Positive MonthJan 2024: +19.79% | -46.8%Negative MonthFeb 2024: -46.75% | -0.6%Neutral MonthMar 2024: -0.60% | -7.5%Negative MonthApr 2024: -7.55% | -3.0%Negative MonthMay 2024: -2.99% | +11.4%Positive MonthJun 2024: +11.35% | +22.8%Positive MonthJul 2024: +22.85% | +25.8%Positive MonthAug 2024: +25.84% | +10.7%Positive MonthSep 2024: +10.70% | +10.2%Positive MonthOct 2024: +10.25% | +18.7%Positive MonthNov 2024: +18.73% | +12.9%Positive MonthDec 2024: +12.92% |
| 2023 | +0.0%Neutral MonthJan 2023: +0.04% | +12.5%Positive MonthFeb 2023: +12.47% | +6.7%Positive MonthMar 2023: +6.66% | +2.7%Positive MonthApr 2023: +2.65% | +6.5%Positive MonthMay 2023: +6.55% | +24.6%Positive MonthJun 2023: +24.59% | -12.1%Negative MonthJul 2023: -12.13% | +11.9%Positive MonthAug 2023: +11.91% | +0.4%Neutral MonthSep 2023: +0.42% | +7.4%Positive MonthOct 2023: +7.44% | -5.1%Negative MonthNov 2023: -5.08% | -27.3%Negative MonthDec 2023: -27.33% |
| 2022 | -31.3%Negative MonthJan 2022: -31.31% | -13.0%Negative MonthFeb 2022: -12.97% | -33.8%Negative MonthMar 2022: -33.82% | +10.1%Positive MonthApr 2022: +10.08% | +12.3%Positive MonthMay 2022: +12.29% | +3.5%Positive MonthJun 2022: +3.51% | -0.2%Neutral MonthJul 2022: -0.16% | +6.4%Positive MonthAug 2022: +6.37% | -11.1%Negative MonthSep 2022: -11.14% | +0.1%Neutral MonthOct 2022: +0.07% | -24.5%Negative MonthNov 2022: -24.54% | +10.2%Positive MonthDec 2022: +10.20% |
| 2021 | β | β | β | β | β | β | β | β | β | β | β | -21.5%Negative MonthDec 2021: -21.52% |
| AvgΒ±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position β all Januaries together, all Februaries together, and so on β to show whether a given month has leaned positive or negative historically. βSimpleβ counts each month as +1 or β1. βWeightedβ gives larger moves more influence: +2 above +10%, β2 below β10%. With only 6 years of history for this asset, each monthβs score reflects a small number of observations β read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the assetβs full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each dayβs closing price by the price on January 1st of that year (or the assetβs first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in βAverage fromβ, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ5.50 K Cr | β | βΉ-789.00 | β | β | -6.1% | -28.1% | -46.5% |
| Mar 2024 | βΉ7.66 K Cr | β | βΉ-1476.00 | β | β | -12.0% | 27.1% | -20.5% |
| Mar 2023 | βΉ6.03 K Cr | β | βΉ-1856.00 | β | β | -15.1% | 54.9% | -20.2% |
| Mar 2022 | βΉ3.89 K Cr | β | βΉ-2325.00 | β | β | -17.0% | 45.9% | 49.0% |
| Mar 2021 | βΉ2.67 K Cr | β | βΉ-1560.00 | β | β | -22.3% | -14.4% | -44.9% |
| Mar 2020 | βΉ3.12 K Cr | β | βΉ-2833.00 | β | β | -33.7% | 2.1% | -28.5% |
| Mar 2019 | βΉ3.05 K Cr | β | βΉ-3960.00 | β | β | -65.6% | 2.3% | 165.8% |
| Mar 2018 | βΉ2.98 K Cr | β | βΉ-1490.00 | β | β | -19.7% | 377.1% | 69.3% |
| Mar 2017 | βΉ625.00 Cr | β | βΉ-880.00 | β | β | -37.0% | 39.2% | -41.7% |
| Mar 2016 | βΉ449.00 Cr | β | βΉ-1510.00 | β | β | -53.6% | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Net Sales | 449 | 625 | 2,982 | 3,050 | 3,115 | 2,667 | 3,892 | 6,028 | 7,661 | 5,505 | 6,358 |
| Total Expenses | 2,169 | 2,389 | 4,685 | 7,164 | 5,580 | 4,344 | 6,188 | 7,729 | 8,698 | 6,985 | 6,484 |
| EBIT / Operating Profit | -1,720 | -1,764 | -1,703 | -4,114 | -2,465 | -1,677 | -2,296 | -1,701 | -1,038 | -1,480 | -126 |
| OPM % | -383% | -282% | -57% | -135% | -79% | -63% | -59% | -28% | -14% | -27% | -2% |
| Other Income | 234 | 932 | 308 | 251 | -175 | 310 | 239 | 336 | 307 | 1,365 | -241 |
| Finance Costs | 1 | 4 | 28 | 20 | 50 | 36 | 40 | 22 | 24 | 16 | 17 |
| Depreciation & Amortisation | 25 | 39 | 69 | 76 | 143 | 157 | 228 | 470 | 721 | 658 | 604 |
| Profit Before Tax | -1,512 | -876 | -1,491 | -3,960 | -2,833 | -1,560 | -2,325 | -1,856 | -1,476 | -789 | -987 |
| Tax % | -0% | 0% | -0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | - |
| Net Profit / PAT | -1,510 | -880 | -1,490 | -3,960 | -2,833 | -1,560 | -2,325 | -1,856 | -1,476 | -789 | -987 |
| EPS (βΉ) | -326.66 | -187.18 | -269.39 | -688.20 | -468.78 | -257.93 | -35.85 | -29.28 | -23.23 | -12.37 | -15.46 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| One 97 Communications Limitedthis co. | βΉ81.97 K Cr | βΉ5.50 K Cr | 0.00 | 6.44 | -109.36 | -28.1% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |
