Overall Fundamental outlook

Business Operations:

Sector: Technology
Industry: Software - Infrastructure

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 provides payment and financial services, which primarily includes payment facilitator services, facilitation of consumer and merchant lending to consumers and merchants, wealth management, etc. It also offers commerce and cloud services, including aggregator for digital products; ticketing services for travel and entertainment; and providing voice and messaging platforms to the telecom operators, enterprise customers, and other businesses, etc. In addition, the company provides digital recharge, utility bills, education and money transfers, and online payment gateways, as well as offline payment modes through QR codes, soundbox, and card machines; digital distribution of credit, insurance, mutual funds distribution, and equity broking; and distribution of credit cards. Further, it offers mobile credit, lending, insurance, and wealth management for consumers and merchants; marketing services including selling of tickets, deals, and gift vouchers to customers; advertising; and loyalty solutions, as well as operates technology platform for origination, loan management, and collection for credit access. One97 Communications Limited was incorporated in 2000 and is headquartered in Noida, India.

Revenue projections:

Revenue projections for PAYTM
Revenue projections for PAYTM

PAYTM's revenue projections show a decrease from last year, which tends to make investors more cautious. This could have a negative impact on the company's bottom line, as lower revenues typically suggest reduced profitability and growth potential, prompting concern among investors.

Financial Ratios:

currentRatio 2.477000
forwardPE 60.304996
debtToEquity 1.045000
earningsGrowth -0.978000
revenueGrowth 0.242000
grossMargins 0.325700
operatingMargins 0.001940
trailingEps -9.550000
forwardEps -4.930000

PAYTM's current ratio of 2.477 shows that the company has ample resources to service its short-term debt. This indicates a solid financial position, as PAYTM can rely on its cash reserves and current assets to cover its immediate liabilities without strain.
PAYTM's elevated forward PE ratio suggests limited upside potential and a risk of price correction. Investors must scrutinize this metric closely, ensuring it aligns with other fundamental indicators before making any decisions.
PAYTM's low earnings and revenue growth indicate potential profit shrinkage. This suggests that the company's financial performance may be weakening, raising concerns about its future profitability and overall business outlook.
PAYTM's negative gross and operating margins indicate that the company is operating at a loss. This reflects an inability to cover production costs and operational expenses, which could undermine its financial stability.

Price projections:

Price projections for PAYTM
Price projections for PAYTM

Price projections for PAYTM have consistently been revised upward, indicating positive sentiment toward the company. This gradual adjustment reflects growing confidence in PAYTM's future potential and financial outlook among analysts.

Recommendation changes over time:

Recommendations trend for PAYTM
Recommendations trend for PAYTM


A recent buy bias from analysts toward PAYTM indicates strong confidence in the stock's future performance. This could encourage investors to park their money in PAYTM, viewing it as a stable and potentially rewarding investment opportunity with promising long-term growth prospects.