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Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. One97 Communications's annualized net income for the quarter that ended in Mar. 2026 was ₹7,360 Mil. One97 Communications's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₹159,840 Mil. Therefore, One97 Communications's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 4.60%.
The historical rank and industry rank for One97 Communications's Return-on-Tangible-Equity or its related term are showing as below:
NSE:PAYTM'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -78.1 Med: -18.22 Max: 3.58
Current: 3.58
During the past 8 years, One97 Communications's highest Return-on-Tangible-Equity was 3.58%. The lowest was -78.10%. And the median was -18.22%.
NSE:PAYTM's Return-on-Tangible-Equity is ranked worse than 60.73% of 2480
companies
in the Software industry
Industry Median: 8.845
vs NSE:PAYTM: 3.58
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
One97 Communications Return-on-Tangible-Equity Related Terms
One97 Communications Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for One97 Communications's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:PAYTM vs MSFT, ORCL, PLTR: Return-on-Tangible-Equity Comparison
For the Software - Infrastructure subindustry, One97 Communications's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
One97 Communications Return-on-Tangible-Equity vs Software Industry
For the Software industry and Technology sector, One97 Communications's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where One97 Communications's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 4.60% mean?
One97 Communications (NSE:PAYTM) has a Return-on-Tangible-Equity of 4.60% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on One97 Communications and its competitors. According to the industry distribution chart, One97 Communications ranks #1506 out of 2480 companies in the Software industry, placing it in the top 60.7%.
Is One97 Communications' Return-on-Tangible-Equity too high?
One97 Communications' current Return-on-Tangible-Equity is 4.60%. The Software industry median Return-on-Tangible-Equity is 8.85. One97 Communications' value of 4.60% is 48% below this industry median. Based on the distribution chart, One97 Communications ranks #1506 out of 2480 companies in the Software industry, which is below the industry midpoint. Overall, One97 Communications has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does One97 Communications' Return-on-Tangible-Equity compare to MSFT and ORCL?
According to the Software industry distribution chart, One97 Communications ranks #1506 out of 2480 companies for Return-on-Tangible-Equity. This places One97 Communications in the lower half of its industry. The industry median Return-on-Tangible-Equity is 8.85. One97 Communications' value of 4.60% is 48% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Software company?
The median Return-on-Tangible-Equity among Software companies is 8.85, based on 2,480 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. One97 Communications's current Return-on-Tangible-Equity of 4.60% is 48% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on One97 Communications and its competitors. For the Software industry, the median Return-on-Tangible-Equity is 8.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. One97 Communications's current Return-on-Tangible-Equity is 4.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is One97 Communications stock overvalued right now?
Based on GuruFocus' analysis, One97 Communications (NSE:PAYTM) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹957.10, compared to a current price of ₹1,348.00 — trading 40.8% above its estimated fair value. The current Return-on-Tangible-Equity is 4.60% and 48% below the Software industry median of 8.85. One97 Communications' overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For One97 Communications (NSE:PAYTM), the current Return-on-Tangible-Equity is 4.60% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is One97 Communications (NSE:PAYTM) Overvalued in 2026?
Based on GuruFocus' analysis, One97 Communications stock appears to be overvalued.
The current stock price of ₹1,348.00 is trading 40.8% above its estimated GF Value™ of ₹957.10.
GuruFocus considers One97 Communications to be Significantly Overvalued.
Key valuation signals for NSE:PAYTM:
Return-on-Tangible-Equity: 4.60%
GF Value™: ₹957.10 vs. price of ₹1,348.00 (40.8% above fair value)
Industry Position: 48% below the Software median (#1506 of 2480)
No single metric tells the full story. See the NSE:PAYTM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
One97 Communications Ltd is a digital ecosystem for consumers and merchants. The company is in the business of providing a) payment and financial services which mainly include payment facilitator services, facilitation of consumer and merchant loan distribution to consumers and merchants, wealth management, etc. b) marketing services which consist of aggregator for digital products, ticketing business, providing voice and messaging platforms to the telecom operators and enterprise customers and other businesses. The group generates the majority of its revenue from customers domiciled in India.
68GF Score
Get the complete analysis for NSE:PAYTM
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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