{"id":129967,"date":"2022-05-24T06:08:41","date_gmt":"2022-05-24T10:08:41","guid":{"rendered":"https:\/\/44.250.171.167\/?p=129967"},"modified":"2022-10-06T03:21:06","modified_gmt":"2022-10-06T07:21:06","slug":"paytm-research-tear-sheet-q4-fy-2022","status":"publish","type":"post","link":"https:\/\/alphastreet.com\/india\/paytm-research-tear-sheet-q4-fy-2022\/","title":{"rendered":"Paytm Research Tear Sheet Q4 FY 2022"},"content":{"rendered":"\n<p>The word Paytm means pay through mobile. It is an Indian multinational company which is specializes in digital payment systems,&nbsp;e-commerce&nbsp;and&nbsp;finance. The company is headquartered in Noida, Uttar Pradesh. It was incorporated in August 2010. The founder is Vijay Shekhar Sharma. The services include payment system, mobile payments and online shopping. The stocks of Paytm are traded on the NSE &amp; BSE. The company provides payment services, commerce and cloud services, and financial services. It has 33 crores registered customers and almost 2 crores registered merchants.<\/p>\n\n\n\n<p>In the online payment industry, Paytm has come out with flying colors. To survive in this industry the company has made itself available in 11 languages. It has made itself available in wide array which includes movies, utility bill payments, travel booking, mobile recharges.&nbsp; Paytm QR code is used in store payments such as restaurants, parking, tolls and grocery stores. Even educational institutions and pharmacies are taking payment through Paytm QR codes. The vision of the company is to\u201cenhance digital excellence, increase earnings growth, and cross-selling opportunities\u201d.<\/p>\n\n\n\n<p><strong><u>Key Financial Highlights<\/u><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>Particulars (in \u20b9 Cr)<\/td><td>Q4 2022<\/td><td>Q4 2021<\/td><\/tr><tr><td>Revenue from Operations<\/td><td>1,540.90<\/td><td>815.3<\/td><\/tr><tr><td>Total Direct Expenses<\/td><td>1,001.70<\/td><td>641.2<\/td><\/tr><tr><td>Contribution Profit<\/td><td>539.2<\/td><td>174.1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong><u>Standalone Highlights<\/u><\/strong><\/p>\n\n\n\n<p>Revenue increased by 89% to Rs 1541 crore.<\/p>\n\n\n\n<p>Contribution to profit improved by 35.0% of revenue in Q4 FY 2022.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>EBITDA improved by 12%.<\/p>\n\n\n\n<p>Payment services revenue improved by 80% year-on-year.<\/p>\n\n\n\n<p>Financial services revenue grew 340% year-on-year to Rs. 168 crores.<\/p>\n\n\n\n<p><strong><u>Consolidated Highlights<\/u><\/strong><\/p>\n\n\n\n<p>Consolidated Revenue from Operations improved by 77% to \u20b94,974 Cr.<\/p>\n\n\n\n<p>GMV has doubled to \u20b98.5 Lakh Cr in FY 2022.<\/p>\n\n\n\n<p>Revenue from Payment Services to Consumers improved &nbsp;by 58% to \u20b91,529 Cr.<\/p>\n\n\n\n<p>Financial Services &amp; Others revenue up by 240% Y-o-Y to \u20b9437 Cr.<strong><u><\/u><\/strong><\/p>\n\n\n\n<p><strong><u>Management Talk<\/u><\/strong><\/p>\n\n\n\n<p>\u201cWe expect to, as a percentage of revenue, and as a percentage of GMV for this to continue to improve. For the same three factors that I mentioned, those trends are ongoing trends, transaction routing continues to keep getting better. Our transaction rates continue to get better and the transaction mix continues to improve in our favor. We believe that all three trends should continue to contribute and our payments revenue should grow faster than our payment processing charges.\u201d<\/p>\n\n\n\n<p>Madhur Deora, (President and Group CFO)<\/p>\n\n\n\n<p><strong><u>Management Updates<\/u><\/strong><\/p>\n\n\n\n<p>Paytm has deployed2.1 million devices in the last 12 months.<\/p>\n\n\n\n<p>Post paid loan disbursed by paytm improved by &nbsp;373% Y-o-Y in Q4 FY 2022.<\/p>\n\n\n\n<p>Average MTU increased by 35% Y-o-Y to 60.8 million.<strong><u><\/u><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The word Paytm means pay through mobile. It is an Indian multinational company which is specializes in digital payment systems,&nbsp;e-commerce&nbsp;and&nbsp;finance. The company is headquartered in Noida, Uttar Pradesh. It was incorporated in August 2010. The founder is Vijay Shekhar Sharma. The services include payment system, mobile payments and online shopping. The stocks of Paytm are [&hellip;]<\/p>\n","protected":false},"author":1796,"featured_media":58681,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6352,9908],"tags":[8590,763],"class_list":["post-129967","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-research-summary","category-research-tear-sheet","tag-payment-services","tag-payments"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/alphastreet.com\/india\/wp-content\/uploads\/2020\/04\/Research-summary.jpg","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":132627,"url":"https:\/\/alphastreet.com\/india\/paytm-research-tear-sheet\/","url_meta":{"origin":129967,"position":0},"title":"Paytm Research Tear Sheet","author":"sreerupa","date":"August 8, 2022","format":false,"excerpt":"Stock Data Ticker: PAYTM Exchange : NSE and BSE Industry: Financial technology E-commerce Price Performance Last 7 days\u00a0\u00a0\u00a0 12.17% YTD\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 -37.44% Last 12 months\u00a0\u00a0\u00a0\u00a0 0.00% The stock of Paytm has underperformed by falling 34% in the last six months. Paytm made its debut in the share market on 18th November\u2026","rel":"","context":"In &quot;Analysis&quot;","block_context":{"text":"Analysis","link":"https:\/\/alphastreet.com\/india\/category\/stock-analysis\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/08\/image-12.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/08\/image-12.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/08\/image-12.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/08\/image-12.png?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":135742,"url":"https:\/\/alphastreet.com\/india\/infographic-one97-communications-ltd-nse-paytm-q2-results-released-revenue-up-77-48-yoy\/","url_meta":{"origin":129967,"position":1},"title":"Infographic : One97 Communications Ltd.  (NSE : PAYTM) | Q2 Results Released! | Revenue UP 77.48% YoY","author":"Divyansh_Kasana","date":"November 8, 2022","format":false,"excerpt":"Paytm is India's payment Super App offering consumers and merchants most comprehensive payment services.Pioneer of mobile QR payments revolution in India, Paytm\u2019s mission is to bring half a billion Indians into the mainstream economy through technology-led financial Services. Paytm enables commerce for small merchants and distributes various financial services offerings\u2026","rel":"","context":"In &quot;Analysis&quot;","block_context":{"text":"Analysis","link":"https:\/\/alphastreet.com\/india\/category\/stock-analysis\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/11\/d22292bd-8c57-4edc-aeb4-e9bb187bdddd.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/11\/d22292bd-8c57-4edc-aeb4-e9bb187bdddd.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/11\/d22292bd-8c57-4edc-aeb4-e9bb187bdddd.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/11\/d22292bd-8c57-4edc-aeb4-e9bb187bdddd.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/11\/d22292bd-8c57-4edc-aeb4-e9bb187bdddd.png?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/11\/d22292bd-8c57-4edc-aeb4-e9bb187bdddd.png?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":178407,"url":"https:\/\/alphastreet.com\/india\/paytm-payments-growth-accelerates-as-gmv-upi-usage-and-merchant-base-expand\/","url_meta":{"origin":129967,"position":2},"title":"Paytm payments growth accelerates as GMV, UPI usage and merchant base expand","author":"Staff Correspondent","date":"January 30, 2026","format":false,"excerpt":"One 97 Communications (NSE:PAYTM), which operates the Paytm digital payments platform, reported robust momentum in its core payments business for the quarter ended December 2025. Gross merchandise value (GMV) processed through the platform rose 24% year-on-year to \u20b96.2 lakh crore, reflecting increased consumer spending and wider merchant acceptance of digital\u2026","rel":"","context":"In &quot;LATEST&quot;","block_context":{"text":"LATEST","link":"https:\/\/alphastreet.com\/india\/category\/latest\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/10\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/10\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/10\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":172115,"url":"https:\/\/alphastreet.com\/india\/paytm-q2-fy26-earnings-results\/","url_meta":{"origin":129967,"position":3},"title":"Paytm Q2 FY26 Earnings Results","author":"Chirag Gupta","date":"November 5, 2025","format":false,"excerpt":"Incorporated in 2000, One 97 Communications Ltd is India's leading digital ecosystem for consumers as well as merchants. As of March 31, 2021, the company has a 333 million+ client base and 21 million+ registered merchants to whom it offers payment services, financial services, and commerce and cloud services. Q2\u2026","rel":"","context":"In &quot;AlphaGraphs&quot;","block_context":{"text":"AlphaGraphs","link":"https:\/\/alphastreet.com\/india\/category\/infographics\/"},"img":{"alt_text":"Paytm Q2 FY26 Earnings Results","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2025\/11\/Paytm-Q2-FY26-Earnings-Results.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2025\/11\/Paytm-Q2-FY26-Earnings-Results.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2025\/11\/Paytm-Q2-FY26-Earnings-Results.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2025\/11\/Paytm-Q2-FY26-Earnings-Results.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2025\/11\/Paytm-Q2-FY26-Earnings-Results.png?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2025\/11\/Paytm-Q2-FY26-Earnings-Results.png?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":140062,"url":"https:\/\/alphastreet.com\/india\/one-97-communications-paytm-q3fy23-42-growth-in-revenue\/","url_meta":{"origin":129967,"position":4},"title":"One 97 Communications (Paytm) Q3FY23; 42% Growth in Revenue","author":"Karan_Singh","date":"February 3, 2023","format":false,"excerpt":"One 97 Communications Ltd.\u2019s revenue in Q3FY23 fell 42% to \u20b9 2,062 crores. Consolidated Loss After Tax came at \u20b9 392 crores. In this quarter\u2019s\u00a0results, the reports suggested that the fall in profits are due to the high level of expenditure.","rel":"","context":"In &quot;AlphaGraphs&quot;","block_context":{"text":"AlphaGraphs","link":"https:\/\/alphastreet.com\/india\/category\/infographics\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/Q3FY23-PAYTM-1.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/Q3FY23-PAYTM-1.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/Q3FY23-PAYTM-1.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/Q3FY23-PAYTM-1.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/Q3FY23-PAYTM-1.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":145186,"url":"https:\/\/alphastreet.com\/india\/one-97-comm-paytm-q4fy23-earnings-story\/","url_meta":{"origin":129967,"position":5},"title":"One 97 Comm. (PAYTM) Q4FY23 Earnings Story","author":"Karan_Singh","date":"May 5, 2023","format":false,"excerpt":"One 97 Communications Ltd\u2019s revenue in Q4FY23 rose 52% to \u20b9 2,335 crores. Consolidated Loss After Tax came at \u20b9 1,675 crores in Q4FY23. 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