One Mobikwik Systems Ltd
₹ 227
-1.47%
13 Nov
- close price
About
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]
Key Points
- Market Cap ₹ 1,793 Cr.
- Current Price ₹ 227
- High / Low ₹ 266 / 151
- Stock P/E 88.5
- Book Value ₹ 75.3
- Dividend Yield 0.00 %
- ROCE -0.87 %
- ROE -6.67 %
- Face Value ₹ 2.00
Pros
Cons
- Stock is trading at 3.01 times its book value
- Company has low interest coverage ratio.
- Promoter holding is low: 25.2%
- Company has a low return on equity of -13.3% over last 3 years.
- Earnings include an other income of Rs.65.0 Cr.
* 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.
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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 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|
| 306 | 271 | 487 | 526 | 867 | 1,164 | 1,106 | 974 | |
| Sales growth | -11% | +80% | +8% | +65% | +34% | -5% | -4% | |
| 416 | 391 | 621 | 604 | 848 | 1,271 | 1,145 | 965 | |
| Operating Profit | -111 | -120 | -134 | -79 | 19 | -107 | -39 | 9 |
| OPM % | -36% | -44% | -28% | -15% | 2.1% | -9% | -3.5% | 1.0% |
| 22 | 21 | 19 | 21 | 17 | 30 | 29 | 65 | |
| Interest | 10 | 7 | 10 | 21 | 22 | 31 | 31 | 25 |
| Depreciation | 3 | 1 | 2 | 4 | 4 | 13 | 14 | 14 |
| Profit before tax | -102 | -108 | -128 | -83 | 9 | -121 | -54 | 36 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 1% | 0% | |
| -102 | -108 | -128 | -83 | 9 | -122 | -54 | 36 | |
| EPS in Rs | -51.06 | -53.84 | -22.38 | -14.44 | 1.56 | -15.75 | -6.88 | 4.53 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 33% |
| 3 Years: | 28% |
| TTM: | -4% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 10% |
| 3 Years: | 15% |
| TTM: | 113% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -11% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | -25% |
| 3 Years: | -13% |
| Last Year: | -7% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Sep 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1 | 1 | 11 | 11 | 11 | 16 | 16 | 16 |
| Reserves | -29 | -15 | 225 | 153 | 167 | 588 | 546 | 577 |
| 90 | 70 | 151 | 224 | 259 | 332 | 281 | 361 | |
| 270 | 360 | 432 | 351 | 433 | 458 | 554 | 467 | |
| Total Liabilities | 332 | 416 | 819 | 740 | 870 | 1,394 | 1,398 | 1,421 |
| 5 | 1 | 9 | 15 | 16 | 25 | 23 | 20 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 9 | 42 | 53 | 63 | 66 | 68 | 83 | 292 |
| 318 | 374 | 757 | 662 | 788 | 1,301 | 1,292 | 1,109 | |
| Total Assets | 332 | 416 | 819 | 740 | 870 | 1,394 | 1,398 | 1,421 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| -22 | -37 | -321 | 17 | -25 | -62 | -40 | |
| 20 | 8 | -83 | -26 | 23 | -315 | 80 | |
| -23 | 73 | 330 | 36 | 18 | 515 | -40 | |
| Net Cash Flow | -25 | 43 | -74 | 28 | 16 | 137 | -0 |
| Free Cash Flow | -22 | -38 | -324 | 16 | -30 | -71 | -51 |
| CFO/EBITDA Share of operating profit converting into cash: CFO (before tax) / Operating Profit | 16% | 31% | 235% | -14% | -66% | 68% | 94% |
Ratios
Standalone / View Consolidated
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Debtor Days | 20 | 43 | 27 | 52 | 34 | 17 | 24 |
| Inventory Days | |||||||
| Days Payable | |||||||
| Cash Conversion Cycle | 20 | 43 | 27 | 52 | 34 | 17 | 24 |
| Working Capital Days | -284 | -388 | -240 | -249 | -134 | -167 | -152 |
| ROCE % | -170% | -50% | -16% | 8% | -13% | -1% |
Insights
In beta| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Activated ZIP EMI Users Mn |
|
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| Merchants Mn |
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| Registered Users Mn |
||||||
| ZIP EMI GMV (Disbursements) INR Mn |
||||||
| Payments GMV (incl. ZaakPay) INR Mn |
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Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Award_of_Order_Receipt_of_Order
- RBI imposed a ₹9 lakh penalty on MobiKwik for MD-PPI and CPFIR reporting lapses on Nov. 13, 2026.
-
Shareholders' Letter For The Quarter Ended September 30, 2026
- MobiKwik reported Q2 FY27 PAT of ₹118 Mn, revenue ₹3,028 Mn, and received NBFC CoR on 6 Nov 2026.
-
Announcement under Regulation 30 (LODR)-Press Release / Media Release
- MobiKwik subsidiary received RBI NBFC registration; operations to start in 3-6 months.
-
One Mobikwik Systems Limited Has informed About Certificate Of Registration To Operate As A Non-Banking Financial Company (NBFC) Received By Mobikwik Financial Services Private Limited (Wholly Owned Subsidiary Of The Company) From The Reserve Bank Of India
- RBI granted NBFC registration to MobiKwik’s subsidiary; operations to begin in 3-6 months.
-
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
- Transcript of the Earnings Call for Analysts and Investors held on November 02, 2026
Concalls
-
Nov 2026Transcript PPT REC
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Aug 2026Transcript PPT REC
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Aug 2026PPT
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May 2026Transcript PPT REC
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Feb 2026Transcript PPT
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Nov 2025Transcript PPT REC
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Aug 2025Transcript PPT REC
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May 2025Transcript PPT
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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.