Paytm earnings rose in the September 2026 quarter, with profit after tax reaching ₹225 crore, up from ₹21 crore a year earlier. Parent company One 97 Communications reported revenue of ₹2,648 crore, an increase of 28% year over year.

Key Takeaways

  • EBITDA rose 90% to ₹270 crore, and the margin reached 10%.
  • Financial-services distribution revenue increased 49% to ₹912 crore.
  • Paytm recorded its sixth consecutive profitable quarter.

Paytm earnings and operating margins

The results, announced on October 26, cover the second quarter of fiscal 2027. Earnings before interest, tax, depreciation and amortization, or EBITDA, reached a quarterly high, while the EBITDA margin entered double digits for the first time.

On a comparable basis excluding Payments Infrastructure Development Fund incentives received until December 2025, operating revenue grew 33% and EBITDA nearly quadrupled year over year.

Paytm said efficiencies from its use of artificial intelligence helped reduce indirect expenses to 46% of revenue from 52% a year earlier.

Payments and financial services expand

Payment services revenue rose 25% year over year to ₹1,434 crore. Net payment revenue increased 21% on a comparable basis to ₹644 crore.

Merchants on subscription plans reached 1.64 crore after a year-over-year increase of 27 lakh. Monthly transacting users rose by 1 crore to 8.5 crore, the largest addition in nearly three years. Paytm also recorded its sixth consecutive quarter of market-share gains in consumer payments.

Financial-services distribution revenue grew 49% to ₹912 crore, supported by merchant and personal loan distribution, Paytm Postpaid and improved monetization of broking and wealth products. Repeat borrowers accounted for more than half of merchant loan disbursements.

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