Paytm vs OFSS: share price, P/E, ROE and financials compared
One 97 Communications
Oracle Financial Services Software
Paytm and OFSS at a glance
Paytm is the larger by market cap, at ₹1.1L Cr against ₹89,010 Cr for OFSS (1.3 times as large). On valuation, Paytm has the lower price-to-book (6.94× against 11.57×), while OFSS has the lower P/E (25.0× against 136.1×). On returns and margins, OFSS has the higher ROCE (43.2% against 3.7%), the higher ROE (47.4% against 5.3%) and the higher operating margin (51.6% against 8.0%). Over three years, OFSS has faster 3-year sales growth (+10.4% against +1.2% a year). Neither carries much debt for its equity: debt-to-equity is 0.02× for Paytm and 0.00× for OFSS.
Key metrics, side by side
| Metric | PaytmPAYTM | OFSSOFSS |
|---|---|---|
| Price (₹) | 1,794.40 | 10,215.00 |
| Market cap (₹ Cr) | 1,14,873 | 89,010 |
| P/E | 136.1× | 25.0× (the lower figure, shaded) |
| P/B | 6.94× (the lower figure, shaded) | 11.57× |
| Dividend yield, trailing | 0.00% | 2.64% (the higher figure, shaded) |
| ROE | 5.3% | 47.4% (the higher figure, shaded) |
| ROCE | 3.7% | 43.2% (the higher figure, shaded) |
| Operating margin (OPM) | 8.0% | 51.6% (the higher figure, shaded) |
| Net margin (NPM) | 8.9% | 39.4% (the higher figure, shaded) |
| Sales CAGR 3Y | +1.2% | +10.4% (the higher figure, shaded) |
| Profit CAGR 3Y | – | +13.5% |
| Debt to equity | 0.02× | 0.00× |
| Interest cover | 33.3× | 1364.0× (the higher figure, shaded) |
| Net profit TTM (₹ Cr) | 855 | 3,569 |
| 1Y return | +40.5% (the higher figure, shaded) | +21.9% |
| Promoter holding | – | 72.39% |
Paytm vs OFSS: common questions
Which is bigger, Paytm or OFSS?
By market cap, Paytm is bigger at ₹1.1L Cr, against ₹89,010 Cr for OFSS (prices as of 6 Nov 2026). Net profit over the last twelve months was ₹855 Cr for Paytm and ₹3,569 Cr for OFSS.
Which has a lower P/E ratio, Paytm or OFSS?
Paytm trades at a P/E of 136.1× and OFSS at 25.0×. OFSS has the lower P/E. P/E is the share price divided by earnings per share; it varies a lot between industries and with growth, so it says little on its own.
Which has a higher ROE, Paytm or OFSS?
Paytm reports a return on equity of 5.3% and OFSS 47.4%. OFSS has the higher ROE. ROE is net profit as a share of shareholders’ equity.
Which is growing faster, Paytm or OFSS?
Over the last three years: Sales grew +1.2% a year at Paytm and +10.4% at OFSS, so OFSS grew sales faster. Past growth doesn’t predict future growth.