One97 Communications Ltd.

Financial

	One97 Communications	PB Fintech	FSN E-Commerce
Operational Metrics
IT
Total Payment Volume - Quarterly	540000.0 Rs Crs	n/a	n/a
Retail
Payment Processing Charges as a % of GMV	0.11 %	n/a	n/a
Monthly GMV/MTU	24324.32 Rs	n/a	n/a
Average Monthly Value of Loans Disbursed	1912.67 Crs	n/a	n/a
Ticket Size - Loans	12170.45 Rs	n/a	n/a
Average Monthly Loans Through Paytm	4400.0 Ths	n/a	n/a
Unclassified
Advertisement Spend as a % of Total Sales	5.2 %	n/a	15.2 %
Financials
5 yr Average ROE	-14.3 %	-10.94 %	4.93 %
5yr average Equity Multiplier	1.38	1.16	2.35
5yr Average Asset Turnover Ratio	0.38	0.41	1.9
5yr Avg Net Profit Margin	-30.94 %	-26.38 %	1.06 %
Price to Book	4.89	13.09	47.29
P/E	242.62	223.11	771.48
5yr Avg Cash Conversion Cycle	77.96 Days	70.49 Days	29.43 Days
Inventory Days	0.0	0.0	65.35 Days
Days Receivable	77.96 Days	70.49 Days	11.21 Days
Days Payable	21.72 Days	16.45 Days	49.88 Days
5yr Average Interest Coverage Ratio	-52.25	-22.38	2.11
5yr Avg ROCE	-13.97 %	-9.55 %	11.84 %
5yr Avg Operating Profit Margin	-32.89 %	-30.81 %	5.43 %
5 yr average Debt to Equity	0.02	0.0	0.45
5yr CAGR Net Profit	-17.23 %	n/a	1.43 %
5yr Average Return on Assets	-10.48 %	-9.29 %	2.03 %
Shareholdings
Promoter Holding	0.0	0.0	52.14 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-0.27 %
Change in Mutual Fund Holding (3 Yrs)	12.72 %	13.34 %	16.31 %

Business

	One97 Communications	PB Fintech	FSN E-Commerce
Product Wise Break-Up	Product Wise Break-Up Payment Processing 83.68 Marketing Services 12.88 Financial Products Commission 0 Rewards 0 Marketing & Consulting 0 Outsourcing Services 0 Insurance Commission 0 Market Place services 0 Marketing & Supporting Revenue 0 Sale of Beauty Products 0 Others 3.44	Product Wise Break-Up Marketing Services 0 Insurance Commission 69.61 Financial Products Commission 15.89 Sale of Beauty Products 0 Market Place services 0 Marketing & Supporting Revenue 0 Payment Processing 0 Consulting 1.24 Outsourcing Services 10.39 Rewards 0 Others 2.87	Product Wise Break-Up Marketing Services 0 Insurance Commission 0 Financial Products Commission 0 Beauty Products 85.27 Marketplace 4.29 Marketing 9.9 Payment Processing 0 Marketing & Consulting 0 Outsourcing Services 0 Rewards 0 Others 0.54
Loan Break-Up	Loan Break-Up Merchant Loans 62.56 Personal Loans 37.44 Postpaid Loans 0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0	Location Wise Break-Up India 99.92 Others 0.08