High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Size: It is among the top 200 market size companies of india.
Past Returns: Outperforming stock! In past three years, the stock has provided 19.6% return compared to 10.7% by NIFTY 50.
Momentum: Stock price has a strong positive momentum. Stock is up 9.6% in last 30 days.
Growth: Good revenue growth. With 58.8% growth over past three years, the company is going strong.
Balance Sheet: Strong Balance Sheet.
Smart Money: Smart money has been increasing their position in the stock.
Dividend: Stock hasn't been paying any dividend.
Valuation | |
|---|---|
| Market Cap | 71.87 kCr |
| Price/Earnings (Trailing) | -416.24 |
| Price/Sales (Trailing) | 8 |
| EV/EBITDA | 155.57 |
| Price/Free Cashflow | -183.43 |
| MarketCap/EBT | -467.93 |
| Enterprise Value | 70.05 kCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 8.98 kCr |
| Rev. Growth (Yr) | 19.3% |
| Earnings (TTM) | -176.1 Cr |
| Earnings Growth (Yr) | 207.9% |
Profitability | |
|---|---|
| Operating Margin | 6% |
| EBT Margin | -2% |
| Return on Equity | -1.15% |
| Return on Assets | -0.78% |
| Free Cashflow Yield | -0.55% |
Growth & Returns | |
|---|---|
| Price Change 1W | 11.7% |
| Price Change 1M | 9.6% |
| Price Change 6M | -9.1% |
| Price Change 1Y | 38.5% |
| 3Y Cumulative Return | 19.6% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -2.04 kCr |
| Cash Flow from Operations (TTM) | -121.3 Cr |
| Cash Flow from Financing (TTM) | -52.7 Cr |
| Cash & Equivalents | 1.83 kCr |
| Free Cash Flow (TTM) | -443.2 Cr |
| Free Cash Flow/Share (TTM) | -6.95 |
Balance Sheet | |
|---|---|
| Total Assets | 22.54 kCr |
| Total Liabilities | 7.23 kCr |
| Shareholder Equity | 15.31 kCr |
| Current Assets | 17.16 kCr |
| Current Liabilities | 6.93 kCr |
| Net PPE | 604 Cr |
| Inventory | 0.00 |
| Goodwill | 0.00 |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -9.78 |
| Interest/Cashflow Ops | -6.49 |
Dividend & Shareholder Returns | |
|---|---|
| Shares Dilution (1Y) | 0.30% |
| Shares Dilution (3Y) | -1.5% |
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Size: It is among the top 200 market size companies of india.
Past Returns: Outperforming stock! In past three years, the stock has provided 19.6% return compared to 10.7% by NIFTY 50.
Momentum: Stock price has a strong positive momentum. Stock is up 9.6% in last 30 days.
Growth: Good revenue growth. With 58.8% growth over past three years, the company is going strong.
Balance Sheet: Strong Balance Sheet.
Smart Money: Smart money has been increasing their position in the stock.
Dividend: Stock hasn't been paying any dividend.
Investor Care | |
|---|---|
| Shares Dilution (1Y) | 0.30% |
| Earnings/Share (TTM) | -2.7 |
Financial Health | |
|---|---|
| Current Ratio | 2.48 |
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 59.46 |
| RSI (5d) | 89.51 |
| RSI (21d) | 56.57 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Sell |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Sell |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Summary of One 97 Communications's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Management's outlook expresses confidence in Paytm's core business principles, emphasizing sustained growth within payment and financial services. Vijay Shekhar Sharma, the CEO, highlighted their commitment to enhancing the merchant ecosystem while also expanding consumer offerings through technology rather than aggressive consumer spending.
Key forward-looking points from the management include:
Revenue and Profitability Growth: Management noted that the push for monetization from a solid consumer base is expected to generate significant cash flow. They are targeting around 250 million consumers, driving long-term monetization potential.
Contribution Margin: The contribution margin is projected to decrease from 57% to the mid-50s due to the impact of the Payment Infrastructure Development Fund (PIDF), but management believes this will be offset by higher subscription revenues and strategic sales.
Product Traction: The "˜Buy Now, Pay Later' initiative, launched lately, has already crossed hundreds of crores in monthly disbursements within six months, indicating strong consumer adoption.
Financial Services Growth: Financial services saw considerable growth with the introduction of various loan offerings. Management highlighted that consumer loans have shown fluctuation while merchant loans are consistently performing well.
Cost Management and Operational Efficiency: The management is focused on continuous cost optimization, predicting a significant offset for recent impacts on EBITDA, with about 30-40% expected to be recouped in the next quarter.
AI and Technology Integration: A strong emphasis on AI tools for sales and operational efficiency is expected to allow for disciplined growth and enhanced customer acquisition efficiency.
Market Share Aspirations: The organization aims to increase its UPI market share significantly, indicating a strong push towards ensuring broader consumer engagement and operational discipline.
Overall, management presents an optimistic yet cautious approach, recognizing the early-stage nature of their business while committing to long-term profitability and market share gains.
Here are the major questions and answers from the Q&A section of the earnings transcript:
Question: "In the shareholder letter, you talk about being able to offset the PIDF impact. If that's the case, why does the contribution margin go to mid-50s?"
Answer: "PIDF was essential for expanding payments in rural areas. However, our business model isn't reliant on grants. We'll offset the PIDF impact through subscription fees and cross-selling financial services to merchants. We provided a conservative estimate about the mid-50s contribution margin to ensure transparency."
Question: "Where are you with the 'Buy Now, Pay Later' product and the potential wallet relaunch?"
Answer: "We're seeing incredible growth in 'Buy Now, Pay Later,' crossing hundreds of crores monthly in disbursement within six months of launch. For the wallet, we're committed to making it available again; however, it'll be different from past propositions, focusing more on consumer options rather than market dominance."
Question: "What's your outlook for revenue growth and EBITDA margins over the next few years?"
Answer: "Our outlook remains positive; we expect over 30% revenue growth and EBITDA margins of 15-20%. We're pleased with our core payments business growth and plans for accelerating across our financial services offerings."
Question: "Will we see increased promotional expenses moving forward? Will this be more towards gaining market share or retention?"
Answer: "Our focus is on market share gain through high-quality user engagement. Any increase in expenditures will be calibrated towards ensuring quality rather than merely boosting numbers."
Question: "Can you elaborate on the changes to your revenue recognition policy?"
Answer: "We've tightened our revenue recognition policy regarding inactive merchants. If a merchant is inactive for over 30 days, we cease revenue recognition from them. This makes our reporting cleaner and more transparent, though it may result in some provision for doubtful debts."
These answers incorporate relevant metrics and guidance from the earnings call within the specified character limit.
Understand One 97 Communications ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| Resilient Asset Management B V | 10.22% |
| Saif III Mauritius Company Limited | 9.44% |
| Vijay Shekhar Sharma | 9.04% |
| Motilal Oswal Midcap Fund | 4.96% |
| Axis Trustee Services Limited | 4.84% |
| Saif Partners India IV Limited | 4.01% |
| Tata Aia Life Insurance Co Ltd-Whole Life Mid Cap Equity Fund | 1.69% |
| Amansa Holdings Private Limited | 1.65% |
| Government Pension Fund Global | 1.55% |
| Tree Line Asia Master Fund (Singapore) Pte Ltd | 1.34% |
| Akash Bhanshali | 1.24% |
| Sbi Life Insurance Co. Ltd | 1.12% |
Distribution across major stakeholders
Distribution across major institutional holders
Detailed comparison of One 97 Communications against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | Bajaj Finance | 5.75 LCr | 79.39 kCr | +3.50% | +5.80% | 25.48 | 7.25 | - | - |
| POLICYBZR | PB Fintech | 69.85 kCr | 6.61 kCr | +3.20% | +2.80% | 119.54 | 10.57 | - | - |
| SBICARD | SBI CARDS AND PAYMENT SERVICES | 64.47 kCr | 20.36 kCr | -5.20% | -20.00% | 30.82 | 3.17 | - | - |
| AFFLE | AFFLE 3I | 19.72 kCr | 2.66 kCr | -0.70% | 0.00% | 44.85 | 7.4 | - | - |
| INDIAMART | IndiaMART InterMESH | 12.62 kCr | 1.87 kCr | -1.40% | +5.30% | 20.82 | 6.76 | - | - |
| INFIBEAM | INFIBEAM AVENUES | 5.3 kCr | 6.87 kCr | +1.90% | -5.50% | 16.86 | 0.77 | - | - |
| ANGELONE | ANGEL ONE | 2.55 kCr | 4.74 kCr | +28.60% | +26.10% | 3.31 | 0.54 | - | - |
| FINOPB | Fino Payments Bank | 1.13 kCr | 1.74 kCr | -24.80% | -34.20% | 25.22 | 0.65 | - | - |
One 97 Communications is a prominent Financial Technology (Fintech) company, trading under the stock ticker PAYTM. With a significant market capitalization of Rs. 56,201.2 Crores, the firm plays a pivotal role in offering a diverse array of payment, commerce, cloud, and financial services to both consumers and merchants across India.
The company specializes in various payment and financial services that include:
In addition to these services, One 97 Communications also provides commerce and cloud solutions. This encompasses:
Further expanding its offerings, the company engages in digital recharge, utility bill payments, education funding, and money transfer services. They also facilitate online payment gateways, as well as offline payment options via QR codes, soundboxes, and card machines. Additional services include:
One 97 Communications also offers various marketing solutions, including ticket sales, promotional deals, and loyalty programs. The company operates a comprehensive technology platform for origination, loan management, and credit access collections.
Incorporated in 2000 and headquartered in Noida, India, One 97 Communications has reported a trailing 12-month revenue of Rs. 7,888.4 Crores, though its one-year revenue growth has seen a decline of -3.7%.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.