What does the horror story of Paytm teach about the stock market?

 

Shares of Paytm ie One Ninety Seven Communications Limited, the company that runs Paytm, fell on the very first day as it was not an accident.


 Looking at the company's business, the company's profits and losses, the business in which the company is in, with the ever-increasing apprehensions of the company's uncertain future, all the experts had warned that it would probably not be right to invest money in Paytm. 

 The opinion of the stock market is that, especially about big companies, no one wants to speak bad easily. That's why no one has directly said that do not invest money in it, but had given enough indications that if you do not invest money here, then it will be fine.

 In the reports that come before the IPO, this is called the rating of Avoid or Skip.

 Some people also call it Invest for Long Term. However, those who say this also tell that the business of the company is very good, so they are giving advice for a long time or because the company is not doing very well at the moment, so you may keep this stock for a long time. So be beneficial. Now there is no point in telling this either.

 



 Wait to make profit or? 

The real question is that by bringing the country's largest IPO, Paytm has lifted a huge amount of 18 thousand three hundred crore rupees from the market.

 The company's market cap fell by about Rs.39 thousand crores on the day of listing itself. Those who bought shares for Rs 2,150, they had a loss of at least nine percent and maximum of twenty-seven percent on the very first day.

 Even after that, it is difficult to say whether the decline will stop or not because a major international brokerage has issued a report giving an underperform rating to Paytm by giving the correct price of Rs 1200. This report had already arrived before the market opened on the day of listing. 

 And now it will be known only after the market opens on Monday that the investors who have not sold the shares till now or who could not sell on the first day, what will they do next. Because now all the experts are saying that even after eating the loss that is being done, it would be better to get out of Paytm's stock. 


Why did the experts fail? skip ahead podcast But it is not just about Paytm. It is about those people who have applied in Paytm's IPO, ignoring the advice and warnings of all the experts. What Were They Thinking? Why didn't they care? Leave aside small and big investors who apply with their own money. There are 10 mutual funds, whose managers have invested their funds in this issue as anchor investors. They are fully educated and people who understand this business well. They have the responsibility to move their investors' money in a safe manner. 

What happened to them then? 

 The answer is in four letters of English. FOMO means fear of missing out. Zomato's IPO came a few days back. That company also does not earn anything. Rather, it is running at huge losses. Don't know when you will earn in future. But when the shares were listed, 53% up. Similarly, the IPO of Naika just came. This company is not in loss. Recently came in profit.

 But the share price is currently looking very high in comparison to the profit that is there. Still, the people who put money, it almost doubled on the very first day. There have been many such IPOs, which have shown a lot of benefit to the investors. Huge amount of money was invested in most of these and very few people got shares. 

anger and frustration. 




 Now the people who applied one after the other and got nothing, they are applying in a way of anger or frustration on seeing the people around them in every issue that they will get something. 

 In this affair, people again apply in every IPO and burn their hands many times. There have been a large number of IPOs in 2021. About 50 companies have been listed, in which an average of 31% has been earned. This is the date of listing. 

 But this does not mean that every IPO has earned money. Paytm is the most terrifying story, because here the stock closed 27.5% below the issue price on the very first day, but even before that some companies had seen significant losses on the day of listing. 

 Among them are companies like Kalyan Jewelers and Windlass Biotech, which fell more than 10% and Suryoday, Cartrade, Nuvoco Vistas and SIS Enterprises, which fell between 5% to 10% on the day of listing itself.


 However, a bad listing does not necessarily mean that the business of the company is not good. There are many such examples in history, when the company's IPO was not fully filled or the stock remained low on the day of listing but later it earned a lot of money.


 earning IPOs 





The biggest examples of mild response to IPOs are stocks like Infosys, HDFC and Maruti. It was very difficult to fill the issue of all these and later all of them made investors earn a lot.


 Those who tell stories of earning in the stock market, they often talk about those companies, which no one paid attention to in the beginning and by the time they saw it, it was too late.

 Such companies are usually those, which are doing some new type of business. You may also be using their product or their service but are reluctant to apply at the time of issue. Later it is understood that how big an opportunity was in front of you and you lost it. 

 Now this is not a new thing, there are many such stories and due to these people are also afraid that lest any opportunity of earning huge amount is lost. This is what happened in Paytm.

 is a giant of its business. Most of the people, who applied for this, must be doing Paytm two or four times a day. So it seems that the company is doing good business, what is the harm in investing money in it. 

 But it is seen by very few people that out of the business that the company is doing, very little money comes to it as income and a large part of it goes to the banks.

 And this is income. The company is running in huge losses after taking out the expenses. Many people, even after knowing all this, applied in the fear that if the stock moves rapidly after the issue, then the opportunity will be missed, this is called FOMO. 

Market's high is also a dangerous time


 At the time when the market is at a high, at the same time many companies also come in the market to take advantage of this fear. Their merchant bankers and lead managers dream of a bright future for the company and manage to sell the shares at a higher price.

 But later, when the prices are not available or there is a loss, then the people who invest money in them not only incur losses, but most of these people then leave the market and run away and also take an oath that they will never invest money in shares again. In the last one year, more than 20 million new investors have entered the market.

The biggest fear is that if these people get burnt by milk once, then they will refrain from drinking buttermilk. 

 Now SEBI is saying that it will insist that the risk is prominently mentioned in the advertisements of the IPO, that is, what can be the risk in the business, it should be told in clear words and capital letters. 

 But it is also important to make it clear here that IPO is not the only golden opportunity to invest money in shares. Rather, some big experts insist that if you want to stay in the market for a long time by taking good shares, then you should stay away from IPO. You can earn much better by buying good stocks from the open market. 

 Even if investment principles are left aside, IPO applicants must work so hard to gather basic information about each company and calculate how much money the company is issuing its shares at. How many years can it take to come back and how fast the company can reduce this wait by making profits or increasing business.

 If you can't even do this, then it will not be right to blame the stock market.

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