One 97 Communications Limited (PAYT.NS) – Paytm growing stronger based on its EBITDA

One 97 Communications Limited (PAYT.NS) (Q4FY23)

Introduction

One97 Communications Limited provides payment, commerce and cloud, and financial services to consumers and merchants in India. 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 business; and providing voice and messaging platforms to the telecom operators, enterprise customers, and other businesses, etc.

The company also provides consumers a range of instruments, both third party like cards; net banking and Paytm payment instruments, such as wallet, Paytm postpaid to make online payments for mobile recharge, utility bills, rent, education, wallet top-ups and money transfers using the Paytm app; and make online payments on third party apps and in-store payments through QR codes and devices.

The company it offers mobile banking, lending, insurance, and wealth management for consumers and merchants; merchant services including ability to sell tickets to customers; advertising; and loyalty solutions, such as deals and gift vouchers; and software and cloud services to enterprises, telecom companies, and digital and fintech platforms to track and enhance customer engagement, build payment systems, and unlock customer insights. Additionally, the company provides lifestyle destination for consumers to avail services, such as travel and entertainment ticketing, gaming, and more.

Highlights

For long-term growth for PAYTM, payments consumer and merchant base offering a large addressable market. In FY23, the number of loans distributed through platform grew 163% to 40mn. Total number of unique borrowers who have taken a loan through the platform has increased by 4.9mn in FY23 to 9.5mn.

Stock performance

One 97 Communications stock price showed an upward trend in the past 3-months period and gave a 40% return from ₹579.50 to ₹812.15. The stock price rose by 29% in past 1-year. The stock has a 52-week high of ₹844.70 and its 52-week low is ₹438.35. Paytm has a 50-day moving Avg. and 200-day moving Avg. of ₹688.64 and ₹622.39, respectively.

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Highlights

Valuation

– Enterprise Value
– CrispIdea Forecast
– Economic Value Added Analysis
– Peer Valuation
– CrispIdea Forecast Relative to Consensus
– Consensus History and Surprise
– Consensus Momentum

Actual & Historical Performance

– Income Statement
– Balance Sheet
– Cash Flow
– 10 Year Historical Performance
– Ratio Analysis
– Du Pont Analysis
– ROIC & ROCE Analysis
– Segment Performance
– Key Metrics
– M&A Deals

Peer Performance

– Summary
– Profitability
– Growth
– Price Performance

Ownership

Stock Price Performance

Crispidea Coverage

No of Pages : 33

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