Should we also compare NPAs? Should we also compare loan book size? Should we also compare amount of time in the industry?
I mean we know business is growing, but give folks a better reason to join.
Be like stripe- to increase the gdp of the internet
Compare PayTMs Loan Book with any big financial co. Badi badi baatein aur muh hai chota sa
A payment bank can't lend. Paytm doesn't have any NPA because they didn't lend their money in the first place. They have tie up with other NBFC and/or banks who lend through them. So the NPA is a loss to the partner companies not to Paytm. Paytm gets commission for every loan disbursed. Your other question on the loan book should also be answered with the above.
What's the answer to NPAs?
Everyone on this thread is missing out on a core point, they are not lending from their books, they are basically loan originators and earn a fee income from their lending partners. With RBI new directives in place, consumer loans will take a beating and their lending partners can only offer loans at higher interest rates with increased risk weightage. @SS_Croaker @LFW @Sreekanth @salt @Elon_Musk There are a lot of high quality lenders in the public markets (gold standard banks - should I even say their names) they will crush Paytm. Markets will humble them.
GoTo is going to launch a BNPL product with TikTok soon. As a PM what are some things that you would do for something like this to succeed?
Both indexes began diverging sometime close to when Fed started to aggressively hike rates. It appears that the post-COVID rally was more favourable to the S&P but NIFTY is currently outperforming on absolute returns.
My idea is funda...
Remember the time when we were surrounded by 5-6 startups making waves every day? They were the talk of the town, with incredible growth, innovative offerings, massive hirings, and funding galore. We couldn't stop discussing their latest...
Google had some crazy growth numbers and profit, which merited it's IPO Valuation. And yet, it has only(?) 76x since then.
Here, in India, we have shitty SME companies 50x in 3-5 years.
Signifies the impact of entry valuation
