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RATING

RECOMMENDATION

Neutral

Business Type

Emerging Leader

  • unlisted stock logo
    Paytm Unlisted Shares Essentials

Discover and get complete analysis on Paytm upcoming IPO unlisted shares - Management, Business Model, Financials, Growth, Valuations, Funding Rounds, News & Paytm IPO Share Price and latest updates.

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

Promoter Holding

70.50 %

EPS

-₹281.69

P/E

-12.60

P/B

0.49

Market Capitalisation

₹2,15,105.20 Cr

Book Value

₹7,303.72 Cr

Intrinsic Value

₹3,563.00

Sector

Financials

Sub-sector

Payment Infrastructure

Category

Pre IPO

Cashflow - Operations

-₹2,082.56 Cr

Cashflow - Financing

-₹221.98 Cr

Paytm Growth

Compounded Sales Growth

  • -10.00%

    1 Year

  • -1.25%

    3 Year

  • 42.16%

    4 Year

Pro Only

Compounded Profit Growth

  • NA

    1 Year

  • NA

    3 Year

  • NA

    4 Year

Pro Only

Return On Equity

  • -23.29%

    1 Year

  • -62.66%

    3 Year

  • -31.69%

    4 Year

Pro Only

About Paytm

  • One 97 communication was incorporated on 22 December 2000 by Mr. Vijay Shekhar Sharma. 
  • It is a provider of telecom value-added services it also develops and procures content and application to provide the relevant platform for the Value-added service products and 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.
  • Company’s E-Commerce vertical didn't get much success. Now the company is concentrating on the financial services and small finance bank business Like Stock broking, Mutual Fund Distribution and Payment Gateway. Small Finance Bank is the most profitable vertical of the company because of the huge customer base.
  • 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 16,600 crore. The shareholders have approved raising Rs 8300 cr from fresh issue and 8300 cr  from offer for sale. One97 Communications IPO is expected to come soon and Paytm IPO Price band will be released in near future.

Paytm
Offer for Sale

₹ 83000.00 Cr

Paytm
Fresh Issue

₹ 83000.00 Cr

Paytm
Total IPO Size

Cr

  • Paytm Funding

Funded By Funding Amount Date of Investment Funding Round
Ant Group ₹ 986 Cr 15 Apr 2015 G. Equity
AlibabaAnt Group ₹ 4964 Cr 15 Sep 2015 G. Equity
MediaTek ₹ 438 Cr 15 Aug 2016 LATE VC
Alibaba, SAIF Partners, Ant Group ₹ 1752 Cr 15 Aug 2016 LATE VC
SoftBank ₹ 10220 Cr 15 May 2017 LATE VC
Paytm ₹ 66 Cr 15 Jun 2018 EARLY VC
Ant Group, SoftBank, Discovery Capital ₹ 7300 Cr 15 Nov 2019 Series G
One97 ₹ 48 Cr 15 Mar 2020 LATE VC
  • 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 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 transaction value of global mobile payments market was $3714.5 bn in 2019, and it is expected to reach a value of $12,407.5 bn by 2025, registering a CAGR of 23.8% over the forecast period 2020 - 2025. The global landscape of payments and transactions is changing rapidly, owing to the growing enterprises and consumer propensity toward digital transformation and proliferation of smartphones.
  • It is estimated that India will 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 will 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 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.
  • 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. 
  • 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 has seen revenue growth of x% and majority of its revenue comes from its operations.
  • 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.x.
  • Paytm is continuously innovating its products and adding new solutions to its bucket every year.
  • 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 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

11/08/2020

Registered Date

22/12/2000

Planify Ticker

One97

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

Website: http://www.one97.com