ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. One97 Communications's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹7,360 Mil.
One97 Communications's average Total Assets over the quarter that ended in Mar. 2026 was ₹239,150 Mil. Therefore, One97 Communications's annualized ROA % for the quarter that ended in Mar. 2026 was 3.08%.
The historical rank and industry rank for One97 Communications's ROA % or its related term are showing as below:
NSE:PAYTM'
s ROA % Range Over the Past 10 Years
Min: -47.7 Med: -13.66 Max: 2.44
Current: 2.44
During the past 8 years, One97 Communications's highest ROA % was 2.44%. The lowest was -47.70%. And the median was -13.66%.
NSE:PAYTM's ROA % is ranked better than 53.63% of 2881
companies
in the Software industry
Industry Median: 1.65
vs NSE:PAYTM: 2.44
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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.
For the Software - Infrastructure subindustry, One97 Communications's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Software Industry
For the Software industry and Technology sector, One97 Communications's ROA % distribution charts can be found below:
* The bar in red indicates where One97 Communications's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
One97 Communications (NSE:PAYTM) has a ROA % of 3.08% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on One97 Communications and its competitors. According to the industry distribution chart, One97 Communications ranks #1336 out of 2881 companies in the Software industry, placing it in the top 46.4%.
Is One97 Communications' ROA % too high?
One97 Communications' current ROA % is 3.08%. The Software industry median ROA % is 1.65. One97 Communications' value of 3.08% is 86.7% above this industry median. Based on the distribution chart, One97 Communications ranks #1336 out of 2881 companies in the Software industry, which is above the industry midpoint. Overall, One97 Communications has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does One97 Communications' ROA % compare to MSFT and ORCL?
According to the Software industry distribution chart, One97 Communications ranks #1336 out of 2881 companies for ROA %. This puts One97 Communications in the upper half of its industry. The industry median ROA % is 1.65. One97 Communications' value of 3.08% is 86.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Software company?
The median ROA % among Software companies is 1.65, based on 2,881 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. One97 Communications's current ROA % of 3.08% is 86.7% above 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on One97 Communications and its competitors. For the Software industry, the median ROA % is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. One97 Communications's current ROA % is 3.08%. 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 Modestly Overvalued. The stock's GF Value™ is ₹943.01, compared to a current price of ₹1,133.10 — trading 20.2% above its estimated fair value. The current ROA % is 3.08% and 86.7% above the Software industry median of 1.65. One97 Communications' overall GF Score™ is 72/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For One97 Communications (NSE:PAYTM), the current ROA % is 3.08% 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 ₹1,133.10 is trading 20.2% above its estimated GF Value™ of ₹943.01.
GuruFocus considers One97 Communications to be Modestly Overvalued.
Key valuation signals for NSE:PAYTM:
ROA %: 3.08%
GF Value™: ₹943.01 vs. price of ₹1,133.10 (20.2% above fair value)
Industry Position: 86.7% above the Software median (#1336 of 2881)
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.
72GF Score
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