One97 Communications Ltd (NSE:PAYTM)

Q2 2026 One 97 Communications Ltd Earnings Call Transcript

Nov 4, 2025 / 05:30 AM GMT

Release Date Price: ₹1268

Transcript

Key Points

Positve

One97 Communications Ltd (BOM:543396) is leveraging AI to enhance its business model, focusing on both cost efficiency and product innovation.
The company has seen significant growth in net payment margins, driven by a focus on credit instruments for merchants and EMI products.
There is a strong emphasis on expanding financial services, with plans to replicate successful products and technology globally.
The company is experiencing growth in its merchant ecosystem, with plans to dominate both online and offline markets.
AI is expected to be a significant revenue driver, with new products and services being developed for both small and large merchants.

Negative

The company's working capital conversion has seen a sharp dip, attributed to fluctuations in settlement timings.
There are concerns about the sustainability of the improved payment processing margins, as they may be influenced by seasonal factors.
The company is facing challenges in scaling its postpaid product, with current numbers still in the early stages.
There is a potential risk associated with the high cost of AI implementation, although the company plans to manage this prudently.
The company has stopped sharing explicit loan disbursal amounts, which may limit transparency for investors.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

PAYT.NS - One 97 Communications Ltd
Q2 2026 One 97 Communications Ltd Earnings Call
Nov 05, 2025 / 05:30AM GMT

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Presentation
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Thank you for joining all and welcome to PayTM's earnings call to discuss our financial results for the quarter ending September 30th, 2025. We will start our call with Q&A after introduction to the management.

From PTM's management, we have with us Mr. Vijay Shekhar Sharma, founder and CEO, Mr. Madhu Diorra, President and Group CFO, and Mr. Anuj Mittal, SVP

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