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 ₹ 1,552 Cr.
- Current Price ₹ 197
- High / Low ₹ 334 / 151
- Stock P/E 168
- Book Value ₹ 71.4
- Dividend Yield 0.00 %
- ROCE -0.87 %
- ROE -6.67 %
- Face Value ₹ 2.00
Pros
Cons
- Stock is trading at 2.76 times its book value
- Company has low interest coverage ratio.
- Promoter holding is low: 25.1%
- Company has a low return on equity of -13.3% over last 3 years.
- Earnings include an other income of Rs.25.2 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.
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 | 1,110 | |
| 416 | 391 | 621 | 604 | 848 | 1,271 | 1,145 | 1,100 | |
| Operating Profit | -111 | -120 | -134 | -79 | 19 | -107 | -39 | 10 |
| OPM % | -36% | -44% | -28% | -15% | 2.1% | -9% | -3.5% | 0.9% |
| 22 | 21 | 19 | 21 | 17 | 30 | 29 | 25 | |
| Interest | 10 | 7 | 10 | 21 | 22 | 31 | 31 | 27 |
| Depreciation | 3 | 1 | 2 | 4 | 4 | 13 | 14 | 15 |
| Profit before tax | -102 | -108 | -128 | -83 | 9 | -121 | -54 | -6 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 1% | 0% | |
| -102 | -108 | -128 | -83 | 9 | -122 | -54 | -6 | |
| EPS in Rs | -1,016.12 | -1,071.34 | -22.38 | -14.44 | 1.56 | -15.75 | -6.88 | -0.77 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 33% |
| 3 Years: | 28% |
| TTM: | 2% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 10% |
| 3 Years: | 15% |
| TTM: | 106% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -12% |
| 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 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 1 | 1 | 11 | 11 | 11 | 16 | 16 |
| Reserves | -29 | -15 | 225 | 153 | 167 | 588 | 546 |
| 90 | 70 | 151 | 224 | 259 | 332 | 281 | |
| 270 | 360 | 432 | 351 | 433 | 458 | 554 | |
| Total Liabilities | 332 | 416 | 819 | 740 | 870 | 1,394 | 1,398 |
| 5 | 1 | 9 | 15 | 16 | 25 | 23 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 9 | 42 | 53 | 63 | 66 | 68 | 83 |
| 318 | 374 | 757 | 662 | 788 | 1,301 | 1,292 | |
| Total Assets | 332 | 416 | 819 | 740 | 870 | 1,394 | 1,398 |
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/OP | 16% | 31% | 235% | -14% | -66% | 68% | 94% |
Ratios
Standalone Figures in Rs. Crores / 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 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Activated ZIP EMI Users Mn |
|
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| Merchants Mn |
|||||
| Payments GMV INR Mn |
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| Registered Users Mn |
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| ZIP EMI GMV (Disbursements) INR Mn |
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Extracted by Screener AI
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
-
Dispatch Of Letter To Shareholders Whose E-Mail Addresses Are Not Registered With Company/ Registrar & Share Transfer Agent/ Depository Participant(S)
- AGM scheduled for September 22, 2026; annual report FY2025-26 and KYC update links shared.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
- Newspaper Publications for 18th Annual General Meeting of Members of the Company
-
Business Responsibility and Sustainability Reporting (BRSR)
- MobiKwik filed FY 2025-26 BRSR and uploaded the annual report on its website.
-
Reg. 34 (1) Annual Report.
- FY26 annual report filed; 18th AGM on September 22, 2026, with remote e-voting September 19-21.
Concalls
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Aug 2026Transcript PPT REC
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Aug 2026TranscriptAI SummaryPPT
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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.