One97 Communications Limited (PAYTM.BO) stock analysis

In our weekly check, One97 Communications Limited is graded C (A to F). Of 23 checks on debt, profit, cash flow and trend: 13 pass, warnings: 6, red flags: 4.

About One97 Communications Limited

One97 Communications Limited is a Technology company (Software - Infrastructure) based in India, listed on BSE as PAYTM.BO.

What our checks show for PAYTM.BO

Red flags

• Profits not backed by cash
• The stock has fallen as much as 82% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 1.3%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Earnings per share fell 21.4% a year over the last 3 years.
• The net margin is only 8.9%: little room if costs rise.
• Free cash flow is only 0% of revenue.
• The price swings a lot: 38.9% annual volatility. Expect large ups and downs.
• Recovering from its deepest fall took about 2.3 years.
• Thinly traded (about 259 thousand shares a day): buying and selling can move the price.

Strengths

• Debt is low: 0.02x equity.
• Operating profit covers interest 9.5 times over.
• The net margin rose by 57.2 points over 5 years, to 8.9%.
• The gross margin is 29.2% and has risen by 43.7 points: pricing power is holding.
• Analysts expect earnings per share to grow about 75.4% a year over the next years.
• Analysts expect revenue to grow about 26.9% a year over the next years.

Next earnings report: 2027-01-29

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Questions

What grade does One97 Communications Limited (PAYTM.BO) have?

In our weekly check, One97 Communications Limited is graded C (A to F). Of 23 checks on debt, profit, cash flow and trend: 13 pass, warnings: 6, red flags: 4. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of PAYTM.BO stock?

This week's biggest flags for One97 Communications Limited: Profits not backed by cash, Deep past fall, Low return on capital. In total 10 of 23 checks show a warning or a red flag.

What does One97 Communications Limited do?

One97 Communications Limited is a Technology company (Software - Infrastructure) based in India, listed on BSE as PAYTM.BO.

When does One97 Communications Limited report earnings next?

The next earnings report is expected on 2027-01-29. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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