One97 Communications (PAYTM) Stock Overview
Provides payment, commerce and cloud, and financial services to consumers and merchants in India, the United Arab Emirates, Saudi Arabia, and Singapore. More details
| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 4/6 |
| Past Performance | 0/6 |
| Financial Health | 5/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
No risks detected for PAYTM from our risk checks.
PAYTM Community Fair Values
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Analyst Price Targets
One97 Communications Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ₹1,095.80 |
| 52 Week High | ₹1,381.80 |
| 52 Week Low | ₹808.00 |
| Beta | -0.48 |
| 1 Month Change | 9.90% |
| 3 Month Change | -3.67% |
| 1 Year Change | 31.54% |
| 3 Year Change | 58.90% |
| 5 Year Change | n/a |
| Change since IPO | -29.79% |
Recent News & Updates
PAYTM: Upcoming Board Results Will Support A Stronger Long Term Outlook
Analysts have trimmed their price target on One97 Communications slightly, with fair value moving from about ₹1,392 to around ₹1,371 as they fine tune assumptions on the discount rate, revenue growth, profit margin and future P/E multiples. What's in the News A board meeting of One97 Communications is scheduled for May 06, 2026, to consider and approve the audited standalone financial results for the quarter and financial year ended March 31, 2026 (Key Developments).
PAYTM: Board Realignment And CEO Appointment Will Support Future Reassessment
Analysts have kept the price target for One97 Communications steady at ₹1,660, indicating only small shifts in assumptions for discount rate, revenue growth, profit margin and future P/E that largely offset each other in their updated models. What's in the News Board meeting scheduled for Jan 29, 2026 at 18:02 IST to review and approve unaudited standalone and consolidated financial results for the quarter and nine months ended Dec 31, 2025 (company filing).
PAYTM: Board Changes And Higher Margins Will Shape Balanced Risk Outlook
Analysts have lifted their price target for One97 Communications to ₹1,071 from ₹927, citing updated assumptions for revenue growth, profit margins, a lower discount rate, and a reduced future P/E multiple. What's in the News A board meeting is scheduled for January 29, 2026 at 18:02 Indian Standard Time to review and approve unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025 (Key Developments).PAYTM: Board And Leadership Changes Will Drive Future Reassessment
Analysts have maintained their ₹1,660 price target on One97 Communications, citing only minor adjustments to assumptions around discount rate, revenue growth, profit margin and future P/E that do not materially change their overall valuation view. What's in the News Board meeting scheduled for January 29, 2026, to consider and approve unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025 (Key Developments).PAYTM: Governance Reforms And Group Leadership Alignment Will Drive Reassessment
Analysts have adjusted their price target on One97 Communications slightly higher to ₹1,660 from ₹1,650. This reflects updated assumptions around discount rate, revenue growth, profit margins and the future P/E multiple.Recent updates
PAYTM: Upcoming Board Results Will Support A Stronger Long Term Outlook
Analysts have trimmed their price target on One97 Communications slightly, with fair value moving from about ₹1,392 to around ₹1,371 as they fine tune assumptions on the discount rate, revenue growth, profit margin and future P/E multiples. What's in the News A board meeting of One97 Communications is scheduled for May 06, 2026, to consider and approve the audited standalone financial results for the quarter and financial year ended March 31, 2026 (Key Developments).PAYTM: Board Realignment And CEO Appointment Will Support Future Reassessment
Analysts have kept the price target for One97 Communications steady at ₹1,660, indicating only small shifts in assumptions for discount rate, revenue growth, profit margin and future P/E that largely offset each other in their updated models. What's in the News Board meeting scheduled for Jan 29, 2026 at 18:02 IST to review and approve unaudited standalone and consolidated financial results for the quarter and nine months ended Dec 31, 2025 (company filing).PAYTM: Board Changes And Higher Margins Will Shape Balanced Risk Outlook
Analysts have lifted their price target for One97 Communications to ₹1,071 from ₹927, citing updated assumptions for revenue growth, profit margins, a lower discount rate, and a reduced future P/E multiple. What's in the News A board meeting is scheduled for January 29, 2026 at 18:02 Indian Standard Time to review and approve unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025 (Key Developments).PAYTM: Board And Leadership Changes Will Drive Future Reassessment
Analysts have maintained their ₹1,660 price target on One97 Communications, citing only minor adjustments to assumptions around discount rate, revenue growth, profit margin and future P/E that do not materially change their overall valuation view. What's in the News Board meeting scheduled for January 29, 2026, to consider and approve unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025 (Key Developments).PAYTM: Governance Reforms And Group Leadership Alignment Will Drive Reassessment
Analysts have adjusted their price target on One97 Communications slightly higher to ₹1,660 from ₹1,650. This reflects updated assumptions around discount rate, revenue growth, profit margins and the future P/E multiple.PAYTM: Upcoming Governance Decisions Will Support A Stronger Long Term Outlook
Analysts have trimmed their blended fair value estimate for One97 Communications slightly from ₹1,395.61 to ₹1,392.28, reflecting modest adjustments to assumptions on discount rate, revenue growth, profit margins and future P/E multiples. What's in the News Board meeting scheduled for Jan 29, 2026 to review and approve unaudited standalone and consolidated financial results for the quarter and nine months ended Dec 31, 2025 (company filing).PAYTM: International Expansion And Governance Changes Will Support A Stronger Outlook
Analysts have raised their fair value estimate for One97 Communications from ₹1,385.06 to ₹1,395.61 after updating assumptions on discount rate, revenue growth, profit margin and future P/E, which they cite as key drivers of the revised price target. What's in the News Board meeting on Jan 29, 2026 to review unaudited standalone and consolidated financial results for the quarter and nine months ended Dec 31, 2025, and to consider several corporate actions, including leadership changes and capital structure moves in a subsidiary (company disclosure).One97 Communications Limited (NSE:PAYTM) Just Released Its Third-Quarter Earnings: Here's What Analysts Think
Feb 01
PAYTM: Future Profit Margins And AI Partnership Will Drive Reassessment
Analysts have raised their price target on One97 Communications from ₹1,400 to ₹1,650, citing revised assumptions for revenue growth, profit margins and discount rate, along with an updated future P/E outlook. What's in the News Board meeting scheduled on Jan 29, 2026 to consider and approve unaudited standalone and consolidated financial results for the quarter and nine months ended Dec 31, 2025 (company filing).Market Participants Recognise One97 Communications Limited's (NSE:PAYTM) Revenues
Jan 16PAYTM: Future Overseas Expansion And AI Push Will Face Profitability Risk
Analysts have lifted their fair value estimate for One97 Communications from ₹705.00 to about ₹927.33, pointing to updated assumptions for slightly lower discount rates, adjusted revenue growth of around 20.7%, higher forecast profit margins near 17.5%, and a modestly revised future P/E of about 36.1x. What's in the News Upcoming postal ballot based Special/Extraordinary Shareholders Meeting on January 28, 2026, in India.PAYTM: AI Partnerships And Global Subsidiaries Will Guide A Balanced Outlook
Analysts have nudged their price target for One97 Communications higher to approximately ₹1,385 from about ₹1,366, citing incremental improvements in long term earnings assumptions and valuation multiples. What's in the News A board meeting is scheduled for December 22, 2025, to consider incorporating two wholly owned subsidiaries in Indonesia and Luxembourg and to plan the expansion of Paytm's merchant payments and financial services stack in the UAE (company filing).PAYTM: AI Expansion And Subsidiary Moves Will Shape A Cautious Outlook
Analysts have nudged their price target for One97 Communications higher from ₹1,302.59 to ₹1,365.82, citing slightly stronger long term margin expectations and a modestly higher future valuation multiple, despite largely unchanged growth and discount rate assumptions. What's in the News Paytm partnered with Groq to deploy GroqCloud and LPU hardware, aiming to deliver faster, more cost efficient AI inference for transaction processing, risk assessment, fraud detection, and customer engagement across its platform (Client Announcements).PAYTM: Recent AI Moves And Steady Projections Will Guide Balanced Year Ahead
Analysts have maintained their price target for One97 Communications at ₹1,302.59. They cite stable growth assumptions and an improved discount rate, which together support their unchanged valuation outlook.PAYTM: Projected Margin Improvement And New Offerings Will Shape Coming Year
Analysts have raised their price target for One97 Communications from ₹1,177.29 to ₹1,302.59. They cite improvements in projected profit margin and a slightly lower discount rate as key factors supporting a more favorable valuation.Digital Payment Advances Will Drive Long-Term Trends in Financial Markets
Analysts have raised their price target for One97 Communications from ₹1,145 to ₹1,177, citing slight improvements in projected revenue growth as well as anticipated profitability metrics. What's in the News Paytm announced the launch of Paytm AI Soundbox, the country's first AI business device for small and medium businesses.India's Digital Payment Trends Will Transform Financial Markets
Analysts have modestly raised their price target for One97 Communications from ₹1,127 to ₹1,145. They cite slight improvements in revenue growth projections and profit margin expectations as key factors behind the upward revision.Shareholders Should Be Pleased With One97 Communications Limited's (NSE:PAYTM) Price
Sep 20India's Digital Payment Trends Will Transform Financial Markets
Despite a slight downward revision in consensus revenue growth forecasts, the future P/E multiple has increased, supporting a modest uptick in One97 Communications' analyst price target from ₹1096 to ₹1127. What's in the News Board meeting scheduled to consider additional investments of up to INR 3000 million in Paytm Money Limited and INR 1550 million in Paytm Services Private Limited via rights issue.
DLG Model Challenges Net Margins Yet AI-Driven Opportunities Could Boost Paytm's Future Growth
Adopting the Direct Lending Guarantee model may increase revenues but also introduces upfront costs that could pressure net margins and earnings if mismanaged.Shareholder Returns
| PAYTM | IN Diversified Financial | IN Market | |
|---|---|---|---|
| 7D | -4.5% | -0.8% | 0.4% |
| 1Y | 31.5% | -5.3% | 4.0% |
Return vs Industry: PAYTM exceeded the Indian Diversified Financial industry which returned -5.5% over the past year.
Return vs Market: PAYTM exceeded the Indian Market which returned 3.9% over the past year.
Price Volatility
| PAYTM volatility | |
|---|---|
| PAYTM Average Weekly Movement | 5.9% |
| Diversified Financial Industry Average Movement | 5.9% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in IN Market | 10.2% |
| 10% least volatile stocks in IN Market | 4.7% |
Stable Share Price: PAYTM has not had significant price volatility in the past 3 months compared to the Indian market.
Volatility Over Time: PAYTM's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2000 | 39,368 | Vijay Sharma | www.paytm.com |
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.
One97 Communications Limited Fundamentals Summary
| PAYTM fundamental statistics | |
|---|---|
| Market cap | ₹701.36b |
| Earnings (TTM) | -₹1.71b |
| Revenue (TTM) | ₹80.84b |
8.7x
P/S Ratio-410.9x
P/E RatioIs PAYTM overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PAYTM income statement (TTM) | |
|---|---|
| Revenue | ₹80.84b |
| Cost of Revenue | ₹52.70b |
| Gross Profit | ₹28.15b |
| Other Expenses | ₹29.86b |
| Earnings | -₹1.71b |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
May 06, 2026
| Earnings per share (EPS) | -2.67 |
| Gross Margin | 34.82% |
| Net Profit Margin | -2.11% |
| Debt/Equity Ratio | 1.0% |
How did PAYTM perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/01 10:38 |
| End of Day Share Price | 2026/04/30 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
One97 Communications Limited is covered by 33 analysts. 16 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Manish Shukla | Axis Capital Limited |
| null null | Axis Capital Limited |
| Jayant Kharote | Axis Capital Limited |