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One 97 Communications Limited

PAYTMFinancial Technology (Fintech)

Fundamental Score

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One 97 Communications Limited Share Price & Market Analysis

Current Market Price (CMP)
1237.60
No change data available
Market Cap
74.23K (Cr)
Industry
Financial Technology (Fintech)

Profitability Metrics

Poor

Return on Equity

-10.28%
Poor

Return on Capital Employed

-10.14%
Poor

Operating Profit Margin (5Y)

-25.47%
Poor

Dividend Yield

0.00%

Valuation Metrics

Price to Earnings

N/A

Market Capitalization

74.23K (Cr)

Industry P/E

54.42x

Growth Metrics

Excellent

YoY Quarterly Profit Growth

116.52%
Excellent

YoY Quarterly Sales Growth

27.70%
Excellent

Sales Growth (5Y)

16.05%
Excellent

EPS Growth (5Y)

14.24%
Poor

Profit Growth (5Y)

7.39%

Financial Health

Excellent

Debt to Equity

0.01x
Poor

Interest Coverage

-29.04x
Poor

Free Cash Flow (5Y)

-4.89K (Cr)

Ownership Structure

Poor

Promoter Holding

0.00%
Excellent

FII Holding

54.87%
Good

DII Holding

15.84%
Excellent

Pledged Percentage

0.00%
Market-cap Classification
Large-cap
Established & liquid; typically steadier returns.
0.00%
Promoter Holding
74.23K (Cr)
Market Cap

Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice

Market Data Analysis & Educational Insights

Educational evaluation of PAYTM across key market metrics for learning purposes.

Positive Indicators

6 factors identified

Robust Profit Growth (116.52%)

Observation: Strong year-over-year profit expansion demonstrates business momentum.

Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.

Strong Revenue Growth (27.70%)

Observation: Healthy sales growth indicates market demand and execution capability.

Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.

Consistent Growth Track Record (16.05% CAGR)

Observation: Strong 5-year sales compound annual growth rate.

Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.

Conservative Debt Levels (D/E: 0.01)

Observation: Low leverage provides financial flexibility and reduced risk.

Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.

Strong Institutional Confidence (FII+DII: 70.71%)

Observation: Significant professional investor participation indicates quality recognition.

Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.

Zero Share Pledging Risk

Observation: No promoter shares pledged as collateral, reducing forced-selling risk.

Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.

Risk Factors

8 factors identified

Below-Average Return on Equity (-10.28%)

Observation: Returns on equity are below industry benchmarks.

Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.

Suboptimal ROCE (-10.14%)

Observation: Returns on capital employed are below expectations.

Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.

Margin Pressure Concerns (-25.47%)

Observation: Operating margins are below industry standards.

Analysis: OPM <5% may indicate pricing pressures or cost management challenges. Monitor for operational improvements.

Weak Interest Coverage (-29.04x)

Observation: Limited ability to service debt obligations from earnings.

Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.

Negative Free Cash Flow (₹-4890.60 Cr over 5Y)

Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.

Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.

Low Promoter Commitment (0.00%)

Observation: Reduced promoter stake may indicate limited confidence.

Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.

No Dividend Distribution

Observation: Company does not currently pay dividends to shareholders.

Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.

Very Low ROE

Observation: Poor capital utilization and shareholder returns.

Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.

📊 Educational Market Overview

Disclaimer: The ratings and scores are generated algorithmically from publicly available market data and are provided for educational and informational purposes only. They do not constitute investment advice, recommendation, or solicitation to buy/sell any securities.

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Financial Statements

Comprehensive financial data for One 97 Communications Limited

About PAYTM

Company Details

Symbol:PAYTM
Industry:Financial Technology (Fintech)
Sector:Financial Technology (Fintech)

Market Information

Market Cap:74.23K (Cr)
P/E Ratio:N/A
Beta:N/A

Performance

52W High:N/A
52W Low:N/A
Dividend Yield:0.00%

PAYTM Stock Details & Analysis

Key Financial Metrics

Return on Equity (ROE)-10.28%
Return on Capital Employed-10.14%
Operating Profit Margin (5Y)-25.47%
Debt to Equity Ratio0.01
Interest Coverage Ratio-29.04

Growth & Valuation

Sales Growth (5Y)16.05%
Profit Growth (5Y)7.39%
EPS Growth (5Y)14.24%
YoY Quarterly Profit Growth116.52%
YoY Quarterly Sales Growth27.70%

Frequently Asked Questions

What is the current price of PAYTM?

PAYTM is currently trading at ₹1237.60 with a gain of 0.00% today. The current market price (CMP) represents the last traded price of PAYTM shares on the stock exchange. This price fluctuates throughout trading hours based on supply and demand. You can track real-time price movements, percentage changes, and trading volume in the header section.

What is the P/E ratio of PAYTM and what does it mean?

PAYTM has a P/E ratio of N/Ax compared to the industry average of 54.42x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹N/A for every ₹1 of annual earnings. This is lower than the industry average, which might indicate undervaluation or slower growth expectations.

How is PAYTM performing according to Bull Run's analysis?

PAYTM has a Bull Run fundamental score of 38.2/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability (ROE: -10.28%), growth metrics, valuation ratios, and financial health indicators. The score updates quarterly with new financial data and helps you quickly assess overall investment quality.

What sector and industry does PAYTM belong to?

PAYTM operates in the Financial Technology (Fintech) industry. This sector classification helps understand the broader economic trends, regulatory framework, and competitive landscape affecting One 97 Communications Limited. Companies in this industry typically face similar market dynamics, cyclical patterns, and macroeconomic factors. Understanding the industry context is crucial for peer comparison and assessing how sector-specific trends might impact the stock's performance.

What is Return on Equity (ROE) and why is it important for PAYTM?

PAYTM has an ROE of -10.28%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently One 97 Communications Limited generates profits from shareholders' equity. An ROE of -10% means the company generates ₹-10 profit for every ₹100 of shareholders' equity. This metric is crucial for assessing management's ability to create value for shareholders.

How is PAYTM's debt-to-equity ratio and what does it indicate?

PAYTM has a debt-to-equity ratio of 0.01, which indicates conservative financing with low financial risk. This means the company has ₹1 of debt for every ₹100 of equity. This conservative approach provides financial stability but may limit growth potential.

What is PAYTM's dividend yield and is it a good dividend stock?

PAYTM offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested. The focus appears to be more on growth rather than dividend income. Dividend yield is calculated as annual dividend per share ÷ current share price × 100. Evaluate dividend consistency over 5+ years and free cash flow coverage for sustainability.

How has PAYTM grown over the past 5 years?

PAYTM has achieved 5-year growth rates of: Sales Growth 16.05%, Profit Growth 7.39%, and EPS Growth 14.24%. These growth metrics show the company's ability to expand its business and improve profitability over time. Sales growth indicates market expansion, profit growth shows operational efficiency, and EPS growth directly impacts share price appreciation potential.

What is the promoter holding in PAYTM and why does it matter?

Promoters hold 0.00% of PAYTM shares, with 0.00% of promoter shares pledged. This promoter holding level suggests balanced ownership between management and public shareholders. Low pledging indicates financial stability of promoters. Recent change in promoter holding: 0.00%.

How does PAYTM compare with its industry peers?

PAYTM trades at P/E N/Ax vs industry average 54.42x, with ROE of -10.28% and ROCE of -10.14%. The stock appears undervalued relative to peers based on P/E ratio. Peer comparison helps identify whether PAYTM is outperforming its competitive set in profitability, growth, and valuation metrics.

What is PAYTM's market capitalization and what category does it fall into?

PAYTM has a market capitalization of ₹74229 crores, making it a Large-cap stock. Large-cap stocks offer stability and liquidity but typically slower growth. Market cap is calculated as current share price × total outstanding shares, representing the company's total market value.

What are the key financial ratios to consider for PAYTM?

Key ratios for PAYTM: ROE -10.28% (Needs improvement), ROCE -10.14%, P/E N/Ax, Debt-to-Equity 0.01, Interest Coverage -29.04x. These ratios help assess profitability (ROE, ROCE), valuation (P/E), financial health (D/E, Interest Coverage), and overall investment quality. Compare these with industry medians and historical trends for meaningful analysis.

How volatile is PAYTM stock and what is its beta?

PAYTM has a beta of N/A, which means it is less volatile than the market and offers defensive characteristics. Beta measures price volatility relative to the Nifty 50. Lower beta stocks provide stability during uncertain market conditions. Consider beta alongside your risk tolerance and portfolio diversification strategy.

What is the 52-week high and low for PAYTM?

PAYTM has a 52-week high of ₹N/A and low of ₹N/A. Currently trading at ₹1237.60, the stock is within its annual trading range. Trading near highs indicates strong momentum but limited upside potential.

What are the key risks associated with investing in PAYTM?

Key risks for PAYTM include: Market volatility (Beta: N/A), financial leverage (Debt-to-Equity: 0.01), and operational challenges. The stock has a Fundamental Score of 38.2/100, indicating higher risk requiring thorough due diligence. Sector-specific risks in Financial Technology (Fintech) include regulatory changes, economic cycles, and competitive pressures. Consider your risk tolerance, investment horizon, and portfolio diversification before investing. Past performance doesn't guarantee future results.

What is PAYTM's operating profit margin and how has it trended?

PAYTM has a 5-year average Operating Profit Margin (OPM) of -25.47%, which suggests room for improvement in operational efficiency. Operating Profit Margin shows operational efficiency by measuring operating profit as a percentage of revenue. Monitor margin trends to assess management's ability to control costs and improve efficiency. Compare with industry peers to understand relative performance.

How is PAYTM's quarterly performance in terms of sales and profit growth?

PAYTM's recent quarterly performance shows YoY Sales Growth of 27.70% and YoY Profit Growth of 116.52%. This strong double-digit growth indicates excellent business momentum and management execution. Sales growth shows market demand while profit growth reveals operational efficiency and margin management.

What is the FII and DII holding pattern in PAYTM?

PAYTM has FII holding of 54.87% and DII holding of 15.84%, totaling 70.71% institutional ownership. High institutional holding indicates professional validation of business quality and growth prospects. Significant FII holding suggests global investor confidence and potential for index inclusion. Monitor quarterly changes in institutional holdings for investment flow trends and sentiment.