One97 Communications (PAYTM) investor relations material

Executive summary

• Achieved accelerated revenue growth across merchant and consumer segments, with market share gains in UPI and strong performance in Postpaid and financial services.

• Daily active user and transaction KPIs surpassed January 2024 benchmarks, signaling recovery and renewed growth momentum.

• Board approved unaudited standalone and consolidated financial results for the quarter ended June 30, 2026, and key corporate actions including director appointment and investment in a subsidiary.

• Added three new independent board directors, enhancing governance and expertise in technology, business, and finance.

• Additional investment of up to INR 100 crores in Paytm Money Limited to support growth and regulatory requirements.

Financial highlights

• Consolidated revenue from operations for Q1 FY27 was INR 2,448 crores, up from INR 1,918 crores in Q1 FY26.

• EBITDA margin reached 8% this quarter, up from 1% last year, with a 7 percentage point improvement year-over-year.

• Consolidated net profit for Q1 FY27 was INR 220 crores, compared to INR 123 crores in Q1 FY26.

• Revenue grew 28% year-over-year, with broad-based growth across payments, financial services, and Postpaid.

• Earnings per share (consolidated, basic) for Q1 FY27 was INR 3.44, up from INR 1.92 in Q1 FY26.

Outlook and guidance

• Confident in achieving 15%-20% EBITDA margin in the next 2-3 years, with potential for structurally higher margins long-term.

• Revenue growth acceleration expected to continue, supported by expansion in both merchant and consumer businesses.

• Board seeks shareholder approval to allow flexible use of remaining IPO proceeds between ecosystem growth and new business initiatives.

• Postpaid business ramping up at twice the previous pace, expected to meaningfully contribute to revenue and EBITDA by FY 2028.

• Continued investment in AI, consumer and merchant expansion, and financial services to drive future growth.