PAYTMFinancial Services

One 97 Communications Limited

Financial Technology (Fintech) · ISIN INE982J01020 · BSE 543396 · NSE EQ · FV ₹1
Last price
₹1,763
-1.51%today
What this company does

One 97 Communications Limited operates in Financial Technology (Fintech), part of the Financial Services sector. It booked ₹2,448 cr of revenue in its latest quarter (Q1 FY27) and kept 9.0% of sales as profit. It is the largest of 9 Financial Technology (Fintech) companies we track, by market value.

31out of 100
Equitytale Health Score
Strained

Healthier than 31% of companies in Financial Services, on the 5 of 6 measures we could read for it. Each measure is ranked against the 54–250 companies that reported it.

Measures financial condition, not whether to buy. Learn what this score means · How this is calculated

Price momentum
neutral
RSI (14)
62

At close. Not part of the score.

Profitability & returns26

How much profit it earns on the money it employs

Cash quality20

Whether reported profit actually arrives as cash

Growth & consistency19

Whether sales and profit have grown, and how steadily

Valuation6

What today's price implies, against our models or its peers

Governance & risk100

How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure

Not measurable for this company: balance sheet. Those pillars are left out of the score rather than counted as zero.

Is this company doing well?
not investment advice
Strengths
Makes a profit
Sales up 28% vs last year
Profit up 80% vs last year
No promoter shares pledged
Virtually debt-free
Turns profit into real cash
Watch-outs
! Low 5.5% return on equity

What if I invest in PAYTM?

Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.

You would put in
₹12.00 lakh
120 instalments
At 10% a year, it would become
₹20.15 lakh

The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.

Key ratios · latest quarter + price
₹1,763 -1.51%
latest close · 2026-09-17
52-wk low ₹510195 sessions so far52-wk high ₹1,955
Is it cheap or expensive?
What you pay for the profits, book value and cash flow. Higher isn't automatically worse — it can signal faster growth.
P/E ratio128.1High
LowAverageHigh
P/B ratio7.04High
Below bookModerateHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity5.5%Weak
WeakFairStrong ▸15%
Return on capital6.2%Weak
WeakFairStrong
Net margin9.0%Decent
ThinDecentStrong
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity0.00Comfortable
LowModerateHigh ▸1
Current ratio2.55Ample
Tight ◂1HealthyAmple
More figures
Market cap
₹1.13 L cr
Book value
₹250
EPS
₹3.44
latest quarter
Net debt
Enterprise value
EBITDA
EBIT
Operating margin
Return on assets
3.7%
Earnings yield
0.78%
P/S
11.52
Sales / share
₹153.0
Tax rate
10.9%
Face value
₹1
Shares
64.0 cr
Working capital
₹11,745 cr
Current assets
₹19,341 cr
Current liabilities
₹7,596 cr
Delivery %
42.7%
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.

Worth vs price · from the exchange filings
not investment advice
Hard to value confidentlyLow confidence
Too few reliable models — the filings don't support two independent estimates of value.

An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.

P&L · Q1 FY27 (consolidated)
Revenue from Operations₹2,448 cr
Other Income₹182 cr
Total Income₹2,630 cr
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹742 cr
Finance Costs₹7 cr
Depreciation & Amortisation₹131 cr
Other Expenses₹1,503 cr
Total Expenses₹2,383 cr
Profit before Tax₹247 cr
Tax Expense₹27 cr
Net Profit₹220 cr
Net margin on total income8.4%
Where the money goes · Q1 FY27
% of total income
Employee benefit expense₹742 cr28.2%
Finance costs₹7 cr0.3%
Depreciation & amortisation₹131 cr5.0%
Other expenses₹1,503 cr57.1%
Tax expense₹27 cr1.0%
Profit for the period₹220 cr8.4%
Total income ₹2,630 cradds up to ₹100 ✓
Quarterly results · consolidated (₹ cr)
MetricQ3 FY26Q4 FY26Q1 FY27
Revenue2,194 cr2,264 cr2,448 cr
Total income2,406 cr2,442 cr2,630 cr
Expenses2,175 cr2,269 cr2,383 cr
Profit before tax231 cr194 cr247 cr
Tax5 cr11 cr27 cr
Net profit (owners' share)225 cr184 cr220 cr
Net margin (owners' share, on revenue)10.3%8.1%9.0%
EPS (₹)3.522.873.44
YoY (latest quarter): total income +21.8% · net profit +79.6%
Balance sheet & cash flow · as of Mar 2026
Debt-free
Total assets
₹23,915 cr
Shareholder equity
₹16,026 cr
parent shareholders
Total debt
₹0 cr
Cash
₹3,285 cr
Cash flow · H1 FY26
Operating
₹44 cr
Investing
₹-373 cr
Financing
₹-24 cr
Peer comparison
Financial Technology (Fintech) · by market value
CompanyPriceMarket capP/E
One 97 Communications Limitedthis company₹1,763₹1.13 L cr128.1
PB Fintech Limited₹1,765₹81,667 cr125.0
Pine Labs Limited₹184₹21,287 cr271.3
Seshaasai Technologies Limited₹366₹5,920 cr24.5
AvenuesAI Limited₹16₹5,699 cr17.0
Turtlemint Fintech Solutions Limited₹132₹3,878 cr
Network People Services Technologies Limited₹1,855₹3,869 cr88.2
One Mobikwik Systems Limited₹199₹1,564 cr51.2
Suvidhaa Infoserve Limited₹2₹46 cr
Same industry · latest reported numbers · not a recommendation.
Who owns it · 2026-06-30
No pledge
Promoter
FII / Foreign
48.1%
DII / Domestic
24.9%
Retail / others
27.1%
Smart-money activity
Bulk / block deals
short · NSE4016 Sep 26
short · NSE510 Sep 26
short · NSE1209 Sep 26
Stake changes
SoldResilient Asset Management B V→ 7.20% · 1.92 cr18 Aug 26
SoldSaif Partners India IV Ltd→ 10.73% · 2.35 cr4 Aug 26
SoldSAIF III Mauritius Company Limited→ 10.73% · 2.35 cr4 Aug 26
What shareholders were asked to approve

A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.

Yearly shareholder meeting · 15 Sep 2026
See the official result
1
To receive, consider and adopt the Audited Standalone and Consolidated Financial Statements of the Company for the financial year ended March 31, 2026, together with the reports of the Board of Directors and Auditors thereon.
Backed by 100% of shareholders other than promotersneeded 50%
51.68 cr votes for, 4.80 L against · 0% of mutual funds and other big investors said no
2
To re-appoint Mr. Ravi Chandra Adusumalli (DIN: 00253613), as Director liable to retire by rotation, being eligible offers himself for re-appointment.
Backed by 98% of shareholders other than promotersneeded 50%
49.35 cr votes for, 99.08 L against · 2% of mutual funds and other big investors said no
3
To consider and approve revision in remuneration payable to Mr. Vijay Shekhar Sharma (DIN: 00466521), Managing Director and Chief Executive Officer (“MD & CEO”) of the Company.
Backed by 98% of shareholders other than promotersneeded 50%
49.46 cr votes for, 88.48 L against · 2% of mutual funds and other big investors said no
4
To consider and approve the revised remuneration framework for Non-Executive Director(s) including Independent Director(s) and review of the scope of their Board and Committee responsibilities.
Backed by 99% of shareholders other than promotersneeded 50%
49.78 cr votes for, 56.21 L against · 1% of mutual funds and other big investors said no

Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.

Money it raised, and what it did with it

When a company raises money from investors, it has to say up front what the money is for. The rules then make it report, every three months until the money is gone, how much of each of those things it has actually paid for — so a promise made while asking for the money can be checked afterwards.

₹18,300 cr raised in Nov 2021 by selling shares to the public

The company has not broken this money down into purposes in its filing for Jun 2026, so there is nothing to measure it against yet. Axis Bank Limited watches the spending on the exchange’s behalf.

Every figure above is taken from the statement the company files with the stock exchange each quarter, for as long as money it has raised remains unspent. The only thing we work out is how much of each stated purpose has been paid for — one number divided by another from the same filing. Whether a plan that changed was a good change is not something a filing can tell you. See the filing

How the stock has moved · adjusted for splits & bonuses
Data from primary exchange filings · analysis tool, not investment advice.