PAYTM
One 97 Communications Limited (PAYTM) Stock Analysis
One 97 Communications Limited, known as Paytm, operates India's leading digital payments and financial services super-app. It offers wallets, UPI, lending, commerce, and cloud services to merchants and consumers. The company is central to India's cashless economy ecosystem. It is listed on Indian stock exchanges as a major fintech platform.
Technology › Software - Infrastructure
₹1,693.50
+3.51% 1W | +33.20% 52W
Market Cap
108.4k CR
P/E Ratio
169.2
52W High
₹1855.5
52W Low
₹930.6
Div. Yield
0%
Beta
-0.3
50 DMA
₹1674.4
200 DMA
₹1283.4
Profit Margin
7.2%
Inst. Own.
50.3%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2,342 | 2,519 | 2,850 | 2,267 | 1,502 | 1,659 | 1,828 | 1,912 | 1,918 | 2,061 | 2,194 | 2,264 | 2,448 |
| Expenses | 2,652 | 2,750 | 3,014 | 2,734 | 2,295 | 2,063 | 2,051 | 2,000 | 1,846 | 1,921 | 2,039 | 2,132 | 2,245 |
| Operating Profit | -311 | -231 | -163 | -467 | -794 | -404 | -223 | -88 | 72 | 140 | 155 | 132 | 203 |
| OPM % | -13% | -9% | -6% | -21% | -53% | -24% | -12% | -4.6% | 3.8% | 7% | 7% | 6% | 8% |
| Other Income | 123 | 139 | 149 | 132 | 138 | 1,524 | 189 | -299 | 224 | 32 | 212 | 199 | 182 |
| Interest | 7 | 7 | 5 | 5 | 4 | 3 | 4 | 5 | 4 | 5 | 4 | 5 | 7 |
| Depreciation | 159 | 180 | 201 | 196 | 178 | 179 | 165 | 150 | 166 | 137 | 133 | 132 | 131 |
| Profit before tax | -354 | -279 | -221 | -536 | -839 | 938 | -203 | -542 | 126 | 30 | 230 | 194 | 247 |
| Tax % | 1% | 5% | 0% | 3% | 0% | 1% | 2% | 1% | 2% | 30% | 2% | 6% | 11% |
| Net Profit | -358 | -292 | -222 | -550 | -840 | 930 | -208 | -545 | 123 | 21 | 225 | 183 | 220 |
| EPS in Rs | -5.63 | -4.58 | -3.46 | -8.65 | -13.19 | 14.58 | -3.26 | -8.47 | 1.93 | 0.33 | 3.52 | 2.87 | 3.44 |
| Metric | Mar 2015 | Mar 2016 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 323 | 855 | 3,224 | 3,279 | 2,801 | 4,974 | 7,990 | 9,978 | 6,900 | 8,437 | 8,967 |
| Expenses | 683 | 2,523 | 7,592 | 5,964 | 4,640 | 7,358 | 9,634 | 10,921 | 8,406 | 7,936 | 8,337 |
| Operating Profit | -360 | -1,668 | -4,368 | -2,685 | -1,838 | -2,384 | -1,644 | -943 | -1,506 | 501 | 630 |
| OPM % | -111% | -195% | -135% | -82% | -66% | -48% | -21% | -9% | -22% | 6% | 7% |
| Other Income | 16 | 164 | 280 | -45 | 356 | 288 | 410 | 314 | 1,551 | 668 | 625 |
| Interest | 2 | 1 | 38 | 54 | 38 | 42 | 24 | 26 | 17 | 19 | 21 |
| Depreciation | 21 | 28 | 112 | 174 | 178 | 247 | 485 | 736 | 673 | 568 | 533 |
| Profit before tax | -367 | -1,534 | -4,237 | -2,958 | -1,698 | -2,385 | -1,743 | -1,390 | -645 | 582 | 701 |
| Tax % | 1% | 0% | -0% | -1% | 0% | 0% | 2% | 2% | 3% | 5% | |
| Net Profit | -372 | -1,535 | -4,231 | -2,942 | -1,701 | -2,396 | -1,776 | -1,422 | -663 | 552 | 649 |
| EPS in Rs | -12.30 | -33.20 | -72.67 | -47.03 | -28.04 | -36.90 | -28.02 | -22.30 | -10.33 | 8.64 | 10.16 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 2.0% | 25.0% | 26.0% |
| Profit CAGR | 34.0% | 19.0% | 9.0% |
Shareholding Pattern
FIIs51.71%
DIIs19.95%
Public28.35%
FIIs51.75%
DIIs20.32%
Public27.91%
FIIs49.40%
DIIs23.08%
Public27.51%
FIIs48.09%
DIIs24.87%
Public27.04%
FIIs43.52%
DIIs29.51%
Public26.96%
FIIs71.83%
DIIs3.19%
Public24.98%
FIIs60.41%
DIIs6.85%
Public32.75%
FIIs55.39%
DIIs14.02%
Public30.60%
FIIs49.40%
DIIs23.08%
Public27.51%
FIIs43.52%
DIIs29.51%
Public26.96%
PAYTM
Holdings Analysis
Key strengths & risk signals
60
Overall
45
Fundamental
76
Technical
Risks (1)
Cannot calculate PEG - insufficient growth data.
Strengths (4)
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
BULLISH TREND! 50-day average (1674.4) is above 200-day average (1283.4) - positive signal.
GOOD YEAR! Stock gained 33.2% in the last year.
STRONG! Trading at 82.5% of 52W range - near yearly highs.
Fundamental & Technical Analysis
60Overall
45Fundamental
76Technical
Fundamental Breakdown
Growth Quality
7/30
Revenue CAGR: 1.2% (SLOW, 5/15). Profit CAGR: 0% (DECLINING, 2/15).
Profit Margin
3/10
LOW MARGIN! 7.2% profit margin - thin profits.
PEG Valuation
0/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.01 - excellent financial health.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 24.35% public ownership - balanced ownership structure.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (1674.4) is above 200-day average (1283.4) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (1693.5) is above both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
10/10
GOOD YEAR! Stock gained 33.2% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 15 up days, 15 down days. Avg volume on up days: 4,974,960 vs down days: 4,245,813. Ratio: 1.17x
RSI
3/5
NEUTRAL! RSI at 51.0 - balanced momentum.
52W Range
5/5
STRONG! Trading at 82.5% of 52W range - near yearly highs.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 3.5% (1 week), -5.4% (1 month), 25.6% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of -0.30 - stable stock, less market risk.
PAYTM
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-27 | Concall PDF | |
| Q3FY262026-02-04 | Concall PDF | |
| Q2FY262025-11-08 | Concall PDF |
Peer Comparison
Technology · Software - Infrastructure · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PAYTM | ₹1,693.50 | 169.2 | 7.2% | 1.2% | – | +33.2% | 60 | APPROACHING SUPPORT | +78.9% | +19.6% | +27.6% | +8.1% |
| OFSS | ₹10,386.00 | 26.5 | 38.2% | 10.4% | 13.5% | +18.7% | 75 | BOUNCE FROM SUPPORT | +120.5% | +68.2% | +68.7% | +51.3% |
| PINELABS | ₹165.00 | 148.7 | 4.5% | 21.0% | – | -33.0% | 54 | BOUNCE FROM SUPPORT | +308.3% | -67.0% | +19.6% | +5.2% |
| E2E | ₹694.90 | 475.9 | 8.5% | 54.8% | – | +119.3% | 65 | BREAKOUT | -1,667.9% | +585.9% | +334.3% | +64.0% |
| FRACTAL | ₹737.00 | 39.2 | 9.5% | 18.5% | 12.9% | -13.5% | 63 | BOUNCE FROM SUPPORT | +97.9% | -37.0% | +20.0% | +3.0% |
| NEWGEN | ₹493.90 | 22.5 | 19.5% | 17.4% | 19.3% | -43.9% | 71 | BOUNCE FROM SUPPORT | +26.4% | -40.9% | +11.2% | -21.2% |
| INFIBEAM | ₹16.90 | 22.2 | 4.4% | 45.6% | 37.6% | -24.9% | 70 | BREAKOUT | +50.8% | +8.7% | +93.3% | +53.5% |
| STYL | ₹328.90 | 19.8 | 17.5% | 7.9% | 30.5% | -14.8% | 72 | BREAKDOWN | +63.6% | -26.4% | +21.1% | -6.9% |
Data from TradeAlone · Updated daily
PAYTM News
One 97 Communications Limited (NSE: PAYTM) gains 10% intraday, tests resistance2026-08-10One 97 Communications Limited (NSE: PAYTM) extends gains, moves up 5% intraday2026-08-10One 97 Communications Limited (NSE: PAYTM) gains 6% intraday, tests resistance2026-08-03One 97 Communications Limited Launches Split Bills This Friendship Day to Help Friends Track, Split and Settle2026-07-29One 97 Communications Limited (NSE: PAYTM) clears resistance, moves up 6% intraday2026-07-10One 97 Communications Limited (PAYTM) breaks out, gains 5% intraday2026-07-01Paytm Posts ₹552 Crore Net Profit in FY26, First Since 2021 IPO2026-06-11One 97 Communications Limited Launches Paytm Pocket Money for Teenage UPI Payments2026-05-18
