One 97 Communications Ltd.
NSE: PAYTMOne 97 Communications Ltd.: A 30-second snapshot
PAYTM (One97 Communications) trades at ₹1,593.7, up 49.6% over the past year and 40.89% over the past 3 months, with RSI at 83.47 (overbought) and price 2.82% below its 52-week high. Recent news cites 5 consecutive profitable quarters and 5-year earnings growth of 79.9%, but persistence data show 0 years of ROE above 15% and 0 FCF-positive years across the same reported history, with a consistency score of 10/100. Mean analyst rating stands at 1.7 across 20 analysts (1-5 scale, lower = more constructive).
P/E
157.2
Forward P/E
51.3
ROE
—
Debt / Equity
1.07
Profit Margin
+7.3%
Div. Yield
—
5Y ROE > 15%
0/5
5Y FCF > 0
0/5
Quality
45/100
News
8 headlines · 4 positive · 2 negative
India court orders winding up of Paytm Payments Bank after RBI licence cancellation - Reuters
Reuters
Delhi HC orders Paytm Payments Bank to be wound up: What happens to your Paytm wallet, UPI now? - livemint.com
livemint.com
Results: One97 Communications Limited Beat Earnings Expectations And Analysts Now Have New Forecasts - simplywall.st
simplywall.st
Paytm wallet to return? One97 Communications takes first step to relaunch wallet, applies for RBI PPI licence - Business Today
Business Today
Paytm Q1 Results: Profit Clocked For 5th Straight Quarter, Revenue Nears Rs 2,500 Crore - NDTV Profit
NDTV Profit
Recent context
- ·Delhi High Court ordered Paytm Payments Bank to be wound up following RBI licence cancellation (Reuters, livemint.com, 2026-07-28).
- ·One97 Communications applied for an RBI PPI licence to relaunch the Paytm wallet (Business Today, 2026-07-22).
- ·Q1 results showed profit for a 5th straight quarter with revenue near ₹2,500 crore, and analysts issued new forecasts after the company beat earnings expectations (NDTV Profit, simplywall.st, 2026-07-20/23).
Strengths
- +5-year earnings growth of 79.9% and revenue growth of 27.7%.
- +5 consecutive quarters of reported profit, with Q1 revenue near ₹2,500 crore (NDTV Profit, 2026-07-20).
- +Debt-to-equity of approximately 0.01x (raw metric 1.073, percent-scaled) alongside a 'falling' debt trend per persistence data.
- +Mean analyst rating of 1.7 across 20 analysts (1-5 scale, lower = more constructive).
Weaknesses
- −0 years of ROE above 15% and 0 FCF-positive years across the reported history, with a consistency score of 10/100.
- −Delhi High Court ordered Paytm Payments Bank to be wound up following RBI's licence cancellation (Reuters and livemint.com, 2026-07-28).
- −RSI of 83.47 (overbought), trading roughly 28.7% above the 50-day SMA and 32.3% above the 200-day SMA, with no resistance level above the current price identified in available technical levels.
- −Trailing PE of 157.17x (forward PE 51.31x) against a profit margin of 7.25% and quality score of 45/100; ranks last (6th of 6) on PE and 4th of 6 on quality score within its assigned peer set.
Open questions
- ?Does the recent 5-quarter run of profitability represent a durable operating shift, or does it need more history to offset the 0 FCF-positive years in the reported persistence data?
- ?How might the wind-up of Paytm Payments Bank affect the broader One97 Communications payments and lending business lines going forward?
- ?Given RSI of 83.47 and a price roughly 30% above both moving averages, what would need to hold for the current move to be considered an established trend rather than an extended one?
- ?How comparable is PAYTM's PE and quality-score ranking against a peer set of traditional banks, an NBFC, and an insurer, versus fintech-specific comparables?
Peer comparison: Banking
Ranks 4 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| PAYTM | One 97 Communications Ltd.You're viewing | 157.2 | — | 45 |
| Industry avg | across 5 peers | 30.8 | +12.7% | 51 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 15.9 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 33.6 | — | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 32.1 | — | 37 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 58.7 | +10.8% | 33 |
Technical state
Current price
₹1,593.70
SMA 50
₹1,238.20
SMA 200
₹1,204.34
RSI (14)
83.5 (overbought)
From 52w high
-2.8%
1Y return
+49.6%
3M return
+40.9%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Risk flags
- highPersistence data show 0 years of ROE above 15% and 0 FCF-positive years across the reported history, with a consistency score of 10/100. Current profit margin is 7.25%, trailing PE is 157.17x (forward PE 51.31x), and ROE for the latest period is not reported (null).
- highDelhi High Court ordered Paytm Payments Bank to be wound up following RBI's licence cancellation (Reuters and livemint.com, both dated 2026-07-28), representing active court and regulatory action against a group subsidiary.
- mediumRSI stands at 83.47 (overbought), the stock is 2.82% below its 52-week high, and no resistance level above the current price of ₹1,593.7 is identified in the available technical levels. Price is up 49.6% over 1 year and 40.89% over 3 months, trading roughly 28.7% above its 50-day SMA (₹1,238.2) and 32.3% above its 200-day SMA (₹1,204.34).
- lowThe assigned sector peer set (AXISBANK, BAJAJFINSV, BAJFINANCE, HDFCBANK, HDFCLIFE) consists of traditional lenders, an NBFC, and an insurer rather than payments/fintech comparables, limiting comparability of PAYTM's last-place (6th of 6) PE ranking and 4th-of-6 quality-score ranking within that set.
Cross-section contradictions
- Mean analyst rating of 1.7 across 20 analysts (1-5 scale, lower = more constructive) sits alongside persistence data showing 0 years of ROE above 15% and 0 FCF-positive years, with a consistency score of 10/100.
- News sentiment is labeled 'positive' (4 positive vs 2 negative among 8 tracked items) even though the item set includes a Delhi High Court order to wind up Paytm Payments Bank following RBI licence cancellation, arguably the most structurally material item among the headlines tracked.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 12 Aug 2026 · rotates through NIFTY 500 every ~5 days