One97 Communications Limited
Momentum (88/100) does the heavy lifting; valuation (0/100) is the drag.
ExpensiveSolvency riskStocksWizard rates One97 Communications Limited a Sell, scoring 40/100 on our blended model. On 126.4x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 4% below its 52-week high of ₹1,386.5 and 39% above the low of ₹959. Financial health scores 19/100, with a Piotroski F-score of 3/9. The average analyst target of ₹1,360.63 implies about 2% upside across 19 analysts. It clears 6 of 11 investability checks, with durability 43, valuation 0 and momentum 88 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹532.
Analyst views
1-year price
EOD · 2026-07-2952-week range
-4.08% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Sell40Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 3.6%
- Pass: Low debt (D/E < 0.5): 0.01x
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 18%
- No data: Earnings growing
- Fail: Net margin ≥ 10%: 6.6%
- Pass: Current ratio > 1.5: 2.55
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter28.0%
- Institutions46.9%
- Public & other25.2%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Lightly leveraged balance sheet.
Opportunities
- Revenue growing (18% YoY).
Bear case
Weaknesses
- Low return on equity (3.6%).
- Weak Piotroski score (3/9).
Threats
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About One97 Communications Limited
One97 Communications Limited provides payment, commerce and cloud, and financial services to consumers and merchants in India, the United Arab Emirates, Saudi Arabia, and Singapore. The company offers payment and financial services, including payment facilitator services, facilitation of consumer and merchant lending to consumers and merchants, wealth management, etc. It also provides marketing services consist of aggregators for digital products, the ticketing business, the
One97 Communications Limited — frequently asked questions
Is One97 Communications Limited a buy, hold or sell?
StocksWizard currently rates One97 Communications Limited (PAYTM) a Sell, based on a blended score of 40/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is One97 Communications Limited's fair value?
Our blended DCF and relative-valuation model estimates One97 Communications Limited's fair value at about ₹665, versus a current price of ₹1,330 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is One97 Communications Limited financially healthy?
One97 Communications Limited scores 19/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has One97 Communications Limited's share price performed?
One97 Communications Limited is up 21% over three months, and last traded at ₹1,330. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.