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One97 Communications (PAYTM) investor relations material
One97 Communications Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary30 Jan, 2026
Executive summary
Focus remains on core payment and financial services, with strong merchant ecosystem dominance and renewed push on consumer business through technology and product innovation.
Unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025, were approved by the Board on January 29, 2026.
The offline merchant payments business was transferred to Paytm Payment Services Limited (PPSL), a wholly owned subsidiary, effective November 30, 2025.
Buy Now, Pay Later (BNPL) and Paytm Postpaid are seeing rapid adoption, with over 100,000 customers and INR 100 crore in disbursements within six months.
AI-led product development and cost optimization are central to operational strategy, with ongoing investment in high-quality user acquisition and retention.
Financial highlights
Consolidated revenue from operations for Q3 FY26 was ₹2,194 crore, up from ₹1,828 crore in Q3 FY25; nine-month revenue was ₹6,173 crore, up from ₹4,989 crore year-over-year.
Consolidated net profit for Q3 FY26 was ₹225 crore, compared to a net loss of ₹208 crore in Q3 FY25; nine-month net profit was ₹369 crore, versus a loss of ₹119 crore year-over-year.
Payment processing margin exceeded 4 basis points, supported by favorable instrument mix and RuPay/UPI growth; expected to remain above this level.
Like-for-like revenue growth was 25% year-over-year, with reported revenue growth at 20%.
Financial services segment posted double-digit sequential growth, driven by merchant lending and BNPL expansion.
Outlook and guidance
Revenue growth outlook of 30%+ and EBITDA margin target of 15%-20% over the next 2-3 years remain intact.
The company continues to focus on strengthening its merchant payments leadership and expanding its technology-powered payments platform.
Expect to offset 30%-40% of PIDF revenue loss in the current quarter, with further recovery over time.
Payment processing margin guidance may be revisited in 2-3 quarters, depending on market and regulatory trends.
Focus on acquiring and monetizing high-quality merchants and consumers, aiming for 250 million monetizable customers in 3-4 years.
FEMA SCN: Remaining financial exposure
IPO funds: Plan for unutilized growth capital
Online Gaming Act: Future of affected JV
PIDF offset strategy and timeline
BNPL's role in consumer monetization growth
AI strategy and its impact on business
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Next One97 Communications earnings date
Q4 25/2630 May, 2026
One97 Communications
Next One97 Communications earnings date
Q4 25/2630 May, 2026
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Frequently asked questions
One97 Communications Limited operates Paytm, a digital payments and financial services platform offering mobile wallets, banking, lending, insurance, and e-commerce services to consumers and businesses. The company is headquartered in Noida, India, and its shares are listed on the NSE.
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