Paytm Q4 FY2026 Earnings Call | First Full Year of Profit | By Paytm | #PaytmKaro

Paytm reports its Q4 FY2026 and full year FY2026 earnings results — marking a landmark year of disciplined compounding and its first full year of profitability. In this earnings call, Paytm's leadership discusses the company's financial performance, business momentum across payments, financial services, and consumer franchise, and its outlook for FY2027. 📊 Key Highlights — Q4 FY2026 Revenue: ₹2,264 Cr | +26% YoY (comparable basis) Contribution Profit: ₹1,254 Cr | +31% YoY EBITDA: ₹132 Cr | +₹330 Cr YoY improvement Merchant GMV: ₹6.5 Lakh Cr | +27% YoY Consumer UPI GTV: ₹5.5 Lakh Cr | +46% YoY — growing at 2.2x industry MTUs: 7.7 Crore | +50 Lakh YoY Financial Services Revenue: ₹750 Cr | +38% YoY 📊 Key Highlights — Full Year FY2026 Revenue: ₹8,437 Cr | +22% YoY EBITDA: ₹502 Cr (vs -₹1,506 Cr in FY25) — a ₹2,008 Cr swing PAT: ₹552 Cr (vs -₹663 Cr in FY25) Cash Balance: ₹13,315 Cr 🔍 Topics Covered Merchant payments growth and payment processing margin expansion Financial services distribution business — merchant loans, repeat borrowers Consumer UPI market share gains — growing at 2.2x industry growth rate AI across the organisation — from Soundbox to fraud detection to consumer acquisition Marketing Services — the next growth frontier powered by AI agents FY2027 outlook — four compounding engines driving accelerated growth and margin expansion Capital allocation strategy and cash deployment