The Conviction And The Caution

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Paytm: Q2 FY27 Results Analysis

The Quick Take

Paytm reported Q2 FY27 revenue of Rs 2,648 Crore, up 28% year over year, and net profit of Rs 225 Crore, from near breakeven a year ago. Cost restructuring and lending partnerships drove the turnaround.

Key Figures

MetricFigureBasis
Q2 FY27 revenueRs 2,648 Crreport, +28% YoY
Q2 FY27 net profitRs 225 Crreport
Operating margin8.5%report

Outlook

  • FY27 revenue growth 25 to 30%; payment volume growth 35 to 40% (guidance).
  • Profit guidance Rs 850 to 950 Cr for FY27 (estimates).

Risks

  • RBI restrictions on fintech lending.
  • Competition from Google Pay, PhonePe and Amazon Pay.
  • Credit risk in lending.

Stance

High-growth fintech with a profitability inflection; the report gives no formal rating.

Educational purposes only, not investment advice. Do your own research before investing.

Sources: Company Q2 FY27 results (as cited in the report).

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