One 97 Communications Limited
₹1,635.00-₹52.05 (-3.1%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹81,975 Cr
- EV / EBITDA
- -109.4x
- Revenue
- ₹5,505 Cr
- Net margin
- -19.3%
- ROCE
- -8.5%
Price chart
Technical chartScreen technicals →+24.8% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -2.4%
- 3M
- +22.8%
- 6M
- +49.1%
- 1Y
- +24.8%
- 5Y
- +4.5%
52-week range
Day change -₹52.05 (-3.1%) from ₹1,687 to ₹1,635 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in PAYTM, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 19.7%
Concerns1
- Negative free cash flow (₹1896 Cr)
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 63.9 Cr shares
- ISIN
- INE982J01020
- BSE code
- 543396
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹81,975 Cr
- P/B
- 6.4x
- EV / EBITDA
- -109.4x
- EV / Sales
- 10.4x
- P/S
- 10.7x
- 52-week high
- ₹1,825.00
- 52-week low
- ₹958.65
Profitability
- Operating margin
- -13.5%
- Net margin
- -19.3%
- EBITDA margin
- -9.5%
- ROE
- -6.1%
- ROCE
- -8.5%
- ROA
- -8.9%
- Dividend payout
- 0.0%
- Tax rate
- 0.0%
- Other income, % of PBT
- -20.8%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹5,505 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -28.1%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 19.7%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹731 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 46.4%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -46.5%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹225 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 144.6%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹1,914 Cr
- Asset growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 5.8%
Solvency and efficiency
- Current ratio
- 3.81
- Debt / Assets
- 0.01
- Debt / EBITDA
- -0.23
- Financial leverage
- 1.34
- CFO / Net profit
- -0.15
- Cash / Market cap
- 13.4%
- Cash per share
- ₹172.23
- Asset turnover
- 0.46
- Fixed asset turnover
- 6.48
- Capital intensity
- 0.15
- Debtor days
- 70 days
- Cash conversion cycle
- 70 days
Where the revenue went
FY2025 ended in a loss, so the lines are listed rather than drawn as a flow.
| Line | FY2025 |
|---|---|
| Sales | ₹5,505 Cr |
| Expenses | ₹6,985 Cr |
| Operating profit | -₹1,480 Cr |
| Other income | ₹1,365 Cr |
| Interest | ₹16 Cr |
| Depreciation | ₹658 Cr |
| Profit before tax | -₹789 Cr |
| Tax and other | ₹0 Cr |
| Net profit | -₹789 Cr |
Revenue and net profit
Revenue fell 28.1% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹2,667 Cr | -₹1,560 Cr |
| FY2022 | ₹3,892 Cr | -₹2,325 Cr |
| FY2023 | ₹6,028 Cr | -₹1,856 Cr |
| FY2024 | ₹7,661 Cr | -₹1,476 Cr |
| FY2025 | ₹5,505 Cr | -₹789 Cr |
Cash flows
FY2025: ₹39.0 Cr from operations, -₹1,896 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹2,002 Cr | -₹284 Cr |
| FY2022 | -₹1,318 Cr | -₹6,790 Cr |
| FY2023 | ₹92 Cr | ₹3,038 Cr |
| FY2024 | ₹225 Cr | ₹833 Cr |
| FY2025 | ₹39 Cr | -₹1,896 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹5,505 Cr-28.1%1Y
- Net profit
- -₹789 Cr
- Cash from operations
- ₹39 Cr
- Free cash flow
- -₹1,896 Cr-327.6%1Y
- Revenue CAGR, 5Y
- 19.7%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹5,505 Cr | -₹1,480 Cr | — | -₹789 Cr | ₹39 Cr | -₹1,896 Cr | -6.1% | -28.1% | -46.5% |
Monthly returns
Month-by-month returns of PAYTM across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹17,441 Cr |
| Equity capital | ₹64 Cr |
| Reserves | ₹12,810 Cr |
| Borrowings | ₹155 Cr |
| Other liabilities | ₹4,412 Cr |
| Assets | ₹17,441 Cr |
| Fixed assets | ₹871 Cr |
| Capital work in progress | ₹4 Cr |
| Investments | ₹5,072 Cr |
| Other assets | ₹11,494 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
PAYTM has no positive P/E; the peer median is 26.9x.
Not shown (no positive earnings and no EV / Sales): One 97 Communications Limited.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| One 97 Communications LimitedPAYTMthis company | ₹81,975 Cr | — | 6.4x | -6.1% | -109.4x |
| ICICI Lombard General Insurance Company LimitedICICIGI | ₹93,966 Cr | 34.4x | 5.7x | 17.3% | 33.9x |
| Aditya Birla Capital LtdABCAPITAL | ₹91,754 Cr | 32.1x | 3.4x | 11.7% | 15.7x |
| SBI CARDS AND PAYMENT SERVICES LIMITEDSBICARD | ₹81,669 Cr | 42.6x | 5.5x | 13.9% | — |
| Bajaj Housing Finance LimitedBAJAJHFL | ₹78,507 Cr | 33.2x | 3.7x | — | — |
| AU Small Finance Bank LimitedAUBANK | ₹72,691 Cr | 33.4x | 4.0x | 12.3% | — |
| L&T Finance LimitedLTF | ₹72,200 Cr | 27.0x | 2.8x | 10.3% | 15.4x |
| Yes Bank Ltd.YESBANK | ₹71,482 Cr | 25.5x | 1.5x | 5.0% | — |
| IDFC FIRST BANK LIMITEDIDFCFIRSTB | ₹71,318 Cr | 48.9x | 1.3x | 4.0% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
PAYTM since 1 January, against earlier years.
Historical volatility
PAYTM's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | -63.0% |
| FY2022 | -59.0% |
| FY2023 | -28.0% |
| FY2024 | -14.0% |
| FY2025 | -27.0% |
| Line | FY2025 |
|---|---|
| RevenueSales | ₹5,505 Cr |
| Costs | |
| Interest | ₹16 Cr |
| Expenses | ₹6,985 Cr |
| Operating profitOperating Profit | -₹1,480 Cr |
| Other income and charges | |
| Profit before tax | -₹789 Cr |
| Tax | |
| Net profitNet Profit | -₹789 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹17,441 Cr |
| Equity capitalEquity Capital | ₹64 Cr |
| Reserves | ₹12,810 Cr |
| Borrowings | ₹155 Cr |
| Other liabilitiesOther Liabilities | ₹4,412 Cr |
| AssetsTotal Assets | ₹17,441 Cr |
| Fixed assetsFixed Assets | ₹871 Cr |
| Capital work in progressCWIP | ₹4 Cr |
| Investments | ₹5,072 Cr |
| Other assetsOther Assets | ₹11,494 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹39 Cr |
| Investing cash flowCash from Investing Activity | -₹1,935 Cr |
| Financing cash flowCash from Financing Activity | -₹18 Cr |
| Change in cashNet Cash Flow | -₹1,914 Cr |
Learn while you research
Academy chapters picked for One 97 Communications Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 04 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 05 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read