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RATING

RECOMMENDATION

Neutral

Business Type

Emerging Leader

Discover and get info on Paytm Stock Price before buying, selling and investing - Read our Research report on Paytm IPO For Information like - Management, Business Model, Financials, Growth, Valuations, Funding Rounds, News.

ISIN

INE982J01012

Face Value

₹1.00

Total Share

60,59,30,140

Total Income

₹3,186.80 Cr

Profit After Tax

-₹1,701.01 Cr

EPS

-₹281.69

P/E

-2.19

P/B

5.11

Market Capitalisation

₹37,325.30 Cr

Enterprise Value

₹35,061.44 Cr

Book Value

₹120.54

Earnings Yield

-45.73 %

Sector

Financials

Sub-sector

Payment Infrastructure

Category

Listed

Cashflow - Operations

-₹2,082.56 Cr

Cashflow - Financing

-₹221.98 Cr

Paytm Growth

Compounded Sales Growth

  • -14.58%

    1 Year

  • -2.81%

    3 Year

  • 46.13%

    4 Year

Pro Only

Compounded Profit Growth

  • NA

    1 Year

  • NA

    4 Year

Pro Only

Return On Equity

  • -23.29%

    2021

  • -42.28%

    2020

  • -31.69%

    2018

Pro Only

About Paytm

  • One 97 communication was incorporated on 22 December 2000 by Mr. Vijay Shekhar Sharma. It provides provides payment, commerce and cloud, and financial services to consumers and merchants in India.I
  • The company provides a suite of payment services for consumers and merchants to make and receive payments in a secure manner both online and in-store; and lifestyle commerce services, including ticketing, travel, entertainment, gaming, food delivery, ride hailing, and other services.
  • It also offers software and cloud services for merchants, such as billing, ledger, vendor management, customer promotions, and catalogue and inventory management; and business management tools comprising real time bank settlement and analytics, reconciliation services, banking services, access to financial services
  • PAYTM was established in 2010 under One97 Communications Ltd. As a prepaid mobile recharge website and company is continuously improving its services and shifting towards e-commerce business segment.
  • Company is going to launch stock brokerage services in a few weeks. The Noida-based firm received nod from SEBI for stock broking in January. According to its CEO, the stock brokerage services will come under Paytm Wealth feature.
  • Paytm offer services in 11 Indian languages and offers online use-cases. As per the company, over 7 million merchants across India use this QR code to accept payments directly into their bank account. Paytm launched an all-in-one QR code payments features with no MDR on the Transactions made through UPI and Rupay card.
  • Paytm, with over 350 mn users, constituted the highest users base in digital payments in India for the year 2019 and has AUM of around Rs 52 bn. 

  • Paytm IPO Details

  • Paytm received approval of shareholders for the country's biggest public offer of Rs 18,300 crore. The shareholders have approved raising Rs 8,300 Cr from fresh issue and 10,000 Cr  from offer for sale. One97 Communications IPO is opening on 8th November,2021 and Paytm IPO Price band is Rs. 2080-2150.

Open Date

8 Nov 2021 at 10:00 AM

Closed Date

10 Nov 2021 at 05:00 AM

Listing Date

18 Nov 2021 at 10:00 AM

Paytm
Offer for Sale

₹ 10000.00 Cr

Paytm
Fresh Issue

₹ 8300.00 Cr

Paytm
Total IPO Size

₹ 18300.00 Cr

Paytm
Price Brand

₹ 2080 - ₹ 2150

Paytm
Min Order Qty

6 Shares

Paytm
Grey Market Premium

₹ 60 - ₹ 65

Paytm Retail Subscription Status

1.66x

Paytm QIB Subscription Status

2.79x

Paytm Non-Institutional Subscription Status

0.24x

  • Paytm Funding

Funded By Funding Amount Date of Investment Funding Round
One97 ₹ 48 Cr 15 Mar 2020 LATE VC
Ant Group, SoftBank, Discovery Capital ₹ 7300 Cr 15 Nov 2019 Series G
Paytm ₹ 66 Cr 15 Jun 2018 EARLY VC
SoftBank ₹ 10220 Cr 15 May 2017 LATE VC
Alibaba, SAIF Partners, Ant Group ₹ 1752 Cr 15 Aug 2016 LATE VC
MediaTek ₹ 438 Cr 15 Aug 2016 LATE VC
AlibabaAnt Group ₹ 4964 Cr 15 Sep 2015 G. Equity
Ant Group ₹ 986 Cr 15 Apr 2015 G. Equity
  • Paytm Merger & Acquisition

Acquisition

  • In 2013, Paytm acquired Plustxt for under $2 mn. Plustxt was started by IT graduates which allowed fast text messaging in any Indian Language
  • In 2015, Paytm invested $5 mn in auto-rickshaw aggregator and hyperlocal delivery firm Jugnoo. The funds were meant to enable Jugnoo to scale up its operations across the country, and improve its driver efficiency. It also acquired Delhi-based consumer behaviour prediction platform Shifu and local services startup "Near.in". 
  • In 2016, Paytm invested in logistics startups LogiNext and XpressBees.
  • In April 2017, Paytm invested in healthcare startup QorQL which uses artificial intelligence (AI) and big data to help doctors improve their productivity and quality of care, and enable patients to manage their health better. In July 2017, it acquired a majority stake in online ticketing and events platform Insider.in. The same year, Paytm acquired Little & Nearbuy, and merged both.
  • In June 2018, the company acquired the startup Cube26.
  • In FY21, Paytm acquired insurance firm Raheja QBE for $74 mn
  • Paytm Subsidiaries

Indian Subsidiaries
1. Fincollect Services Private Limited
2. Little Internet Private Limited
3. Mobiquest Mobile Technologies Private Limited
4. Nearbuy India Private Limited
5. One 97 Communications India Limited
6. Orbgen Technologies Private Limited
7. Paytm Entertainment Limited
8. Paytm First Games Private Limited
9. Paytm Insurance Broking Private Limited
10. Paytm Money Limited
11. Paytm Payments Services Limited
12. Paytm Services Private Limited
13. Urja Money Private Limited
14. Wasteland Entertainment Private Limited
15. Xceed IT Solutions Private Limited

Foreign Subsidiaries 
1. One97 Benin SA
2. One97 Communications Bangladesh Pvt. Ltd.
3. One97 Communications FZ-LLC
4. One97 Communications Malaysia Sdn. Bhd.
5. One97 Communications Nigeria Ltd.
6. One97 Communications Rwanda Pvt. Ltd.
7. One97 Communications Singapore Private Limited
8. One97 Communications Tanzania Pvt. Ltd. 
9. One97 Uganda Ltd.
10. One97 Ivory Coast SA
11. One Nine Seven Communication Nepal Private Limited
12. One Nine Seven Communications Saudi Arabia for Communication and Information Technology 
13. One Nine Seven Digital Solutions Limited
14. One97 USA Inc.
15. Paytm First Games Singapore Pte. Ltd.
16. Paytm Labs Inc
17. Paytm Technology (Beijing) Co., Ltd

Paytm Business Model

They segregate revenue under two revenue lines, (i) Payment and Financial Services, and (ii) Commerce and Cloud Services. 


i) Payment and Financial Services

Paytm currently derive a majority of their revenue from payment services. Within payment services, primarily revenue is generated from (i) the transaction fee that they charge merchants based on a percentage of GMV, (ii)  consumer convenience fees that is charged from consumers for certain types of transactions, and, (iii) recurring subscription fees from merchants for certain products and services, such as Paytm Soundbox and POS. 

ii) Commerce and Cloud Services

For travel, entertainment and ticketing, and other commerce businesses, they generate revenues by charging merchants a transaction fee, and/or consumers a convenience fee, which is typically linked to a percentage of transaction value. Some of thr marketing and promotional expenses, such as a portion of cashbacks, are netted off from total revenue in certain cases. For software and cloud services, they charge their merchants a subscription fee, and in some instances a fee linked to the volume of activity on the platforms.

  • Paytm Revenue Segmentation

  • Payment and financial services
  • Other Income
  • Commerce and cloud services
  • Paytm Product & Services

  • Paytm Mall
  • Paytm Payment Bank
  • Paytm Money
  • Gamepind
  • Paytm Smart Retail  
  • Digital Wallet
  • Mobile Payments
  • Banking
  • Online Shopping
  • Paytm Assets

Paytm has total assets of worth 9151 Cr. It includes Servers and networking equipment (Computers), Laptops and desktops (Computers), Furniture and fittings, Office equipment, Plant & Machinery and vehicles and others

  • Paytm Industry Overview

Industry Statistics

  • The landscape of payments and transactions is changing rapidly, owing to the growing enterprises and consumer propensity toward digital transformation and proliferation of smartphones.
  • The India mobile payments market was valued at $125.6 billion in 2019, and is projected to reach $1,384.0 billion by 2027, registering a CAGR of 35.0%. The mobile web payments segment was the highest revenue contributor with $65.3 billion in 2019, and is estimated to reach $638.6 billion by 2027, registering a CAGR of 33.0% 
  • It is estimated that India may see the fastest growth in digital payment transaction value between 2019 to 2023 with a CAGR of 20.2%.
  • UPI Transaction shows tremendous growth in India, It has recorded 187% or 3X jump Aggregating 10,787.54 mn transaction in 2019. While in March 2020 UPI transactions were valued at $ 29.22 bn in March 2020, recording 1.25 bn transactions.
  • India's mobile wallet industry is estimated to grow at a CAGR of 150% to reach $4.4 bn by 2022, while mobile wallet transactions is estimated to touch $492.6 bn during the same period.
  • PAYTM is operating its business in giant market of digital payment which is estimated to grow into ₹ 9500 bn in coming few years.

Future Prospects

  • Paytm is planning to have gold bank a/c, which will allow users not only to buy gold and store it in digital form but also to use it to buy other services on paytm.
  • Due to several factors, including Indian government initiatives and reforms, improving technology, increasing reach and awareness, digital payments are expected to become more than double from US$ 20 trillion in FY 2021 to US$ 40-50 trillion by FY 2026.
  • In India, as unique mobile payment users increase from 252 mn in FY 2021 to 650-700 mn in FY 2026, mobile payments are expected to increase by 5x crossing 100 billion payments in volume. The individual was the highest revenue contributor with $84.6 billion in 2019, and is estimated to reach $959.9 billion by 2027, registering a CAGR of 35.5%.
  • TPV of payment aggregator is expected to increase from $170 bn in FY 2021 to $550 bn in FY 2026 where Paytm has the widest selection of payments, commerce and financial services With increased acceptance of digital payments, more companies have started offering digital payment solutions. As of now Paytm is the most integrated player with presence across various payment formats.
  • Yearly investment in gold expected to increase from $25 bn in FY 2021 to $41 bn by FY 2026. Paytm is looking forward to increase its dealing in golds, and planning to have a gold bank A/C.

Government Initiatives

In 2008, National Payments Corporation of India (NPCI) was set up as an umbrella organization for retail payment system. It is an initiative of RBI and Indian Banks Association (IBA) to create a robust payment and settlement infrastructure in India. In last 10 years, it has introduced various digital platforms and mode of payments such as UPI, RuPay, Aadhaar Enabled Payment System

Paytm Awards & Achievements

  • 2021   Awarded ‘Best FinTech Growth Story’ award at ‘India Digital Awards’ conducted by Internet and Mobile Association of India 
  • 2021   Our Subsidiary, Paytm Money Limited, was awarded for ‘trading tech’ at BW Disrupt TechTors Summit & Awards
  • 2020   Our Group Company, Paytm Payments Bank Limited, was awarded ‘ETBFSI Excellence Award’ for the ‘Best Digital Bank of the Year’ category by ETBFSI.com
  • 2020   Our Subsidiary, Paytm Money Limited, was awarded the ‘excellence in payment’ award by India FinTech Forum at India FinTech Awards,20
  • 2019   Our Group Company, Paytm Payments Bank Limited, was awarded ‘Finacle Client Innovation Award, 2019’ for the ‘product innovation’ category by Infosys Finacle
  • 2019   Mr. Vijay Shekhar Sharma was awarded as one of the business leaders of the year by Horasis and KPMG
  • 2018   Awarded ‘best online commercial’ award at Drivers of Digital Awards and Summit, 2018
  • 2018   Mr. Vijay Shekhar Sharma was awarded the ‘Entrepreneur of the Year ‘award at AIMA Managing India Awards, 2018 by All India Management Association
  • 2018   Awarded under the ‘mobile payment product’ category for digital payment facilitators at the 12th India Digital Summit organised by Internet and Mobile Association of India
  • 2017   Mr. Vijay Shekhar Sharma was named in the ‘2017 Time 100’, the list of ‘hundred most influential people in the world’ by TIME
  • 2016   Awarded under the ‘impact’ category at Future of Fintech Awards by Financial Times
  • 2015   Awarded the ‘Disruptive Digital Innovator’ award at Digitizing India Awards, 2015
  • 2015   Awarded the ‘Most Innovative Company of the Year’ award at Business Standard Annual Awards, 2014

Paytm Strengths


  • Paytm is one of the 11 entities out of 41 applicants which got license from RBI to run a payments bank in February 2015 and is the second such service to go live in India after Airtel.
  • Paytm is continuously innovating its products and adding new solutions to its bucket every year, like in FY20 company has introduced the all-in-one POS device, QR, Paytm for Business app and Paytm Business Khata.
  • It has high brand awareness due to strong marketing campaigns.
  • The lead Investors in PAYTM are Soft Bank, Alibaba Holding Ltd. SAIF partners, Sapphire Ventures, Ant Financial Services Group etc.

Paytm Shortcomings

  • Paytm Bank is a digital bank which can accept deposits and give interests but cannot offer loans.
  • Paytm is highly diversified company and works in many domains which may lead to distraction from the main business.
  • Large population of India is less tech Savvy and consider cash as primary currency.
  • Lockdowns imposed as a result of the pandemic impacted Paytm's operations, in particular its commerce and cloud business. Revenue from commerce and cloud services decreased by 38.0% to ₹6,932 million in FY 2021 from ₹11,188 million in FY 2020.

Paytm Opportunities

  • Paytm can work towards educating customers for cashless transactions, which will boost their customer base.
  • They can offer more banking services along with online payment option.
  • Paytm is planning to have gold bank a/c, which will allow users not only to buy gold and store it in digital form but also to use it to buy other services on paytm.

Paytm Threats

  • Security and privacy of user is a concern for paytm.
  • Paytm rely on our financial institutions partners to provide our financial services and products, and any failure to maintain our relationships with them could have an adverse impact on our operations. 
  • Paytm has a history of net losses, According to company's anticipations operating expenses will increase in the future, and they may not be able to achieve and maintain profitability.
  • Acquisitions, strategic investments, entries into new businesses, and divestitures could disrupt our business, divert our management’s attention, result in additional dilution to our shareholders, and harm our business.
Paytm Rating

  • RECOMMENDATION

    Neutral

  • Paytm Detail Info

Industry Statistics

PUBLIC LIMITED

Registered In

India

last Updated

26/10/2021

Registered Date

22/12/2000

Planify Ticker

paytm

Reg Office: 1st Floor, Devika Tower Nehru Place, New Delhi – 110019

Website: http://www.one97.com

Frequently Ask Questions

Please find below the procedure for buying stock_name_auto Unlisted Shares at Planify.
• 1. You confirm booking of stock_name_auto Unlisted Shares with us at a trading price.
• 2. You provide your client master report (ask the broker if not available) along with PAN Card and Cancelled Cheque in case you are not transferring funds from the bank account as mentioned in the CMR Copy. These are KYC documents required as per SEBI regulations.
• 3. We will provide the bank details.
• 4. You need to transfer funds in that account.
• 5. Payment has to be done in RTGS/NEFT/IMPS CHEQUE TRANSFER. No CASH DEPOSIT.
• 6. Payment has to be done from the same account in which shares are to be credited.
• 7. We will transfer the shares in 24 hours if funds are credited before 2 pm.
Important Note: Please note that the lock-in period for selling stock_name_auto Unlisted Shares is 6 months after listing. Hence you can’t sell stock_name_auto Unlisted Shares which you bought in Pre-IPO for 6 months after its listing. i.e. You can sell it only after 6 months calculated from the listing date.

Please find below the procedure for selling stock_name_auto Unlisted Shares at Planify.
• 1. We will confirm our buying price of stock_name_auto Unlisted Shares.
• 2. We will give you our client master report and you will transfer the stock_name_auto Unlisted Shares to our demat account.
• 3. We will ask for bank details of yours once the stock_name_auto Unlisted Shares are received in our demat account..
• 4. We will transfer the funds in your bank account within 24 hrs of receiving the stock_name_auto Unlisted Shares.
• 5. Payment will be made in RTGS / NEFT / CHEQUE TRANSFER/IMPS. No CASH DEPOSIT.
• 6. Payment will be given in the same account which is linked to demat account or you need to provide the cancelled cheque shows your name to verify. As per SEBI regulations, the transfer of funds in the third party account is not legal and our policy refrain us from doing so.
Note: The price at which we are buying the share is fixed for 3 days. If you cant sell your stock within 3 days, then the price of that day will be applicable when we receive shares in our demat.

Lock-in period of stock_name_auto Unlisted Shares depends upon category of investors.
• 1. Venture Capital Funds or Alternate Investment Fund of Category -I or II, or Foreign Venture Capital Investor - lock-in Period of 6 months from the date of acquisition of stock_name_auto Unlisted Shares.
• 2. Other Investors (include Retail, HNIs or Body Corporate) lock-in Period of 6 months from the date of listing of IPO of stock_name_auto Unlisted Shares.
This new SEBI rule was introduced in the month of August-2021, wherein the SEBI has reduced the lock-in period previously from 1 year to 6 months to encourage more and more funds to be invested in startups which are going to public or IPO in near future. Reduction of lock-in is seen as big step and after that many PMS funds are advising their clients to invest in Pre-IPO shares to get the benefit of early stage investment.

DIS - Delivery Instruction Slip is the way through which an investor can sell or transfer the stock_name_auto Unlisted Shares from his/her demat account to any other demat account. There are two Types of DIS Slip.
1. Offline-DIS - This is an offline mode of transfer of shares wherein the investors needs to fill DIS form and give it to their broker for transferring the shares. Following are the fields which are required to be filled.
• a. ISIN number of stock_name_auto Unlisted Shares.
• b. Name of stock_name_auto Unlisted Shares
• c. Quantity of stock_name_auto Unlisted Shares
• d. Cosideration Amount
• e. Target DP ID and Client ID
• f. Annexure
2. Online DIS - Some of the broker these days gives facility of transferring the stock_name_auto Unlisted Shares via online DIS. So, please check with your broker whether such facility is available or not. For example: Angel Broking proivdes the facility of Online-DIS from its platform. As an investor he/she simply needs to add a beneficiary into it and send the stock_name_auto Unlisted Shares by filling the details similar to Ofline-DIS.

In the last 4-5 years, the unlisted share market has become quite big and as a result of that, the ticket size has reduced from usual 5-10 Lac to 35-50k in today's scenario. So, via our Planify platform, if somebody wants to buy stock_name_auto Unlisted Shares then minimum investment would be 35-50k.

Yes, buying and selling of unlisted shares in India is 100% legal.

If you sell your shares within 2 years, then you will have to pay Short-term Capital gain on unlisted shares. Short-Term Capital Gain is added in your Income. So, as per individual tax slab you need to pay capital gain tax.

If you sell your shares after 2 years, then you will have to pay Long-term Capital gain on unlisted shares LTCG is 20% with indexation benefits.

Taxes will remain the same irrespective of listing of shares, if bought in unlisted market. Actually, to be eligible for taxes as per listed market, one has to pay STT on buying and selling of shares. But, if you buy in unlisted and sell in listed market, one pay STT only on selling so, taxes of listed market will not be applicable.

If you buy stock_name_auto Unlisted Shares from Planify then these shares can checked in two ways. However, before we tell you the process of checking of shares, it is intimated that as per SEBI regulations, the shares can be transferred in demat account only.
Check credit of stock_name_auto Unlisted Shares Instantly?
• 1.You can download the NSDL or CDSL application from google play-store and check. If you want to check whether your stock broker is registered with NSDL or CDSL then check the following procedure.
• By carefully examining the number format of Demat Account we can easily identify whether the stock broker is registered with CDSL or NSDL.
• Demat Account = DP ID + Client ID. (16 Characters )
• "DP ID is the unique identification of the Broker. Every broker gets a unique number from CDSL or NSDL.By carefully examining the number format of Demat Account we can easily identify whether the stock broker is registered with CDSL or NSDL.
• Client ID is the unique identification of the Client. Every client gets this unique number which represents his/her portfolio.
• In CDSL, all these characters are numbers (1234567891234567) first 8 digits are DP ID and next 8 digits are Client Id whereas in NSDL the first two characters are letters which are in accordance with the country that you are from (IN12345678912345), then 6 unique digits for Broker and next 8 digits are client ID.
• Example:
• CDSL = 12345678(DP ID) and 91234567(Client ID).
• NSDL = IN123456 (DP ID) and 78912345(Client ID).
• Check in brokers application?
• Credit of stock_name_auto Unlisted Shares can be checked in brokers application as well but it takes T+2 days to show the shares.

The stock_name_auto Unlisted Shares are credited in demat account same day of transferring funds in our company's bank account.

The price of stock_name_auto Unlisted Shares can be checked in two ways. First, you can join our telegram channel where on daily basis we share the latest prices of all the unlisted shares in the morning and secondly, you can register on Planify.live platform to see the historical graphs and prices of all the shares at one place.

If you see the thesis of investment in the unlisted shares then it is being done mainly to take the advantage of IPO market. And, if the IPO plans of company get delayed due to market conditions or any other reason then demand suddenly drops in the market. The unlisted market works mainly on demand and supply and if there is no IPO news then getting exit would be difficult.

"Planify is India's fastest and leading marketplace to buy and sell unlisted shares. In the last 3 years, we have already served more than 1 million users on the platform. The total transactions value done from the platform is already more than 100 Crores. The name of our Co-founders Mr. Umesh Paliwal and Dinesh Gupta publish regularly in leading newspapers like MoneyControl, Business-Standard, ET etc for their views on IPO and Unlisted market. In the last 3 years, Planify has made a good name for itself in the industry and gained a trust of their users. So, the new investors should not be worried about any kind of fraud that is mostly happens with unkown brokers in the market while doing investment with Planify."

We at Planify do the valuation based on 2 methods.
• 1. We check the last funding that is being done in the stock_name_auto Unlisted Shares to ascertain the benchmark valuation.
• 2. If there is no funding happened in the company, then we try to find a business similar to stock_name_auto Unlisted Shares in the listed space and do comparison method to ascertain the valuation.
As an investor in the unlisted space, we would always recommend that you must check all the risk parameter carefully before investing in the unlisted space.

We source shares either from the employees or initial investors looking to liquidate their stock_name_auto Unlisted Shares.

Pre-IPO shares means which are planning for an IPO in near future. So, all the shares which are traded on the platform are not Pre-IPO Shares. However, if the company's business is going good and then demand will always be there in the unlisted space, so even if the IPO does not come, the investors can easily liquidate their stock_name_auto Unlisted Shares in the unlisted market itself.

Rules and regulations of SEBI are applicable in the Unlisted space like lock-in period of 6 months, paying of Stamp Duty, and DP Charges for every transaction etc. However, to become an unlisted broker there is no such regulation by SEBI as of yet.

For tracking news and other information about stock_name_auto Unlisted Shares, one can visit our website wherein we post news and other information on daily basis and one can also join our telegram channel.

Fundamental & Comparative valuation models and the forces of demand and supply in the market for unlisted shares dictate the price. These prices are based on our estimates and transaction history of stock_name_auto Ltd unlisted share.

We can generally arrange lot sizes starting with an investment of INR 20,000. To confirm the lot sizes of stock_name_auto Ltd unlisted shares with us.

The financials of stock_name_auto Ltd which includes the P/L of stock_name_auto Ltd and the Balance Sheet of stock_name_auto Ltd is in the financials section.

The annual report of stock_name_auto Ltd is available in the annual report section.