One Mobikwik Systems Ltd
Incorporated in 2009, One Mobikwik Systems
Ltd is a digital banking platform which offers
a wide range of financial products for both consumers and merchants[1]
- Market Cap ₹ 2,112 Cr.
- Current Price ₹ 272
- High / Low ₹ 698 / 227
- Stock P/E
- Book Value ₹ 77.7
- Dividend Yield 0.00 %
- ROCE -13.1 %
- ROE -31.3 %
- Face Value ₹ 2.00
Pros
- Debtor days have improved from 34.6 to 17.3 days.
Cons
- Stock is trading at 3.50 times its book value
- Company has low interest coverage ratio.
- Promoter holding is low: 25.2%
- Company has a low return on equity of -25.7% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: E-Commerce/App based Aggregator Industry: Miscellaneous
Part of BSE SmallCap BSE IPO BSE Allcap BSE Financial Services
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| 306 | 271 | 487 | 526 | 867 | 1,164 | |
| 416 | 391 | 621 | 604 | 848 | 1,271 | |
| Operating Profit | -111 | -120 | -134 | -79 | 19 | -107 |
| OPM % | -36% | -44% | -28% | -15% | 2% | -9% |
| 22 | 21 | 19 | 21 | 17 | 30 | |
| Interest | 10 | 7 | 10 | 21 | 22 | 31 |
| Depreciation | 3 | 1 | 2 | 4 | 4 | 13 |
| Profit before tax | -102 | -108 | -128 | -83 | 9 | -121 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 1% |
| -102 | -108 | -128 | -83 | 9 | -122 | |
| EPS in Rs | -1,016.12 | -1,071.34 | -22.38 | -14.44 | 1.56 | -15.75 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 31% |
| 3 Years: | 34% |
| TTM: | 34% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | -4% |
| 3 Years: | 0% |
| TTM: | -1473% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | -26% |
| Last Year: | -31% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| Equity Capital | 1 | 1 | 11 | 11 | 11 | 16 |
| Reserves | -29 | -15 | 225 | 153 | 167 | 588 |
| 90 | 70 | 151 | 224 | 260 | 332 | |
| 270 | 360 | 432 | 351 | 432 | 458 | |
| Total Liabilities | 332 | 416 | 819 | 740 | 870 | 1,394 |
| 5 | 1 | 9 | 15 | 16 | 25 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 9 | 42 | 53 | 63 | 66 | 68 |
| 318 | 374 | 757 | 662 | 788 | 1,301 | |
| Total Assets | 332 | 416 | 819 | 740 | 870 | 1,394 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| -22 | -37 | -321 | 17 | -25 | -62 | |
| 20 | 8 | -83 | -26 | 23 | -315 | |
| -23 | 73 | 330 | 36 | 18 | 515 | |
| Net Cash Flow | -25 | 43 | -74 | 28 | 16 | 137 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| Debtor Days | 20 | 43 | 27 | 52 | 34 | 17 |
| Inventory Days | ||||||
| Days Payable | ||||||
| Cash Conversion Cycle | 20 | 43 | 27 | 52 | 34 | 17 |
| Working Capital Days | -213 | -313 | -131 | -117 | -47 | -67 |
| ROCE % | -170% | -50% | -16% | 8% | -13% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
1d - Newspaper Publication of audited financial results for the quarter and year ended March 31, 2025
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
2d - Audio recording of May 20, 2025 analyst conference call available on company website.
-
Compliances-Reg.24(A)-Annual Secretarial Compliance
2d - Annual Secretarial Compliance Report confirms full regulatory compliance for FY ended March 31, 2025.
-
Announcement under Regulation 30 (LODR)-Press Release / Media Release
20 May - MobiKwik reports 203% Payments GMV growth to ₹1.16T, EBITDA loss, AI initiatives, and Zaakpay RBI approval in FY25.
- Results-Financial Results For 31-03-2025 20 May
Concalls
-
May 2025TranscriptNotesPPT
-
Feb 2025Transcript PPT REC
Business Overview:[1]
OMSL operates a tech-first application based business that provides payments and digital financial services to consumers and merchants through its MobiKwik platform. This platform business has a two-sided payments network, consisting of consumers and merchants. It has acquired 161.03 million Registered Users and enabled 4.26 million Merchants to make and accept payments online and offline. Company added newer products to its digital credit, investments, and insurance verticals.