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 ₹ 1,731 Cr.
- Current Price ₹ 222
- High / Low ₹ 698 / 220
- Stock P/E
- Book Value ₹ 75.8
- Dividend Yield 0.00 %
- ROCE -14.6 %
- ROE -32.4 %
- Face Value ₹ 2.00
Pros
- Debtor days have improved from 34.2 to 17.5 days.
Cons
- Stock is trading at 2.93 times its book value
- Company has low interest coverage ratio.
- Promoter holding is low: 25.0%
- Company has a low return on equity of -27.0% 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.
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|
| 289 | 527 | 539 | 875 | 1,170 | 1,099 | |
| 404 | 659 | 617 | 853 | 1,272 | 1,241 | |
| Operating Profit | -115 | -132 | -78 | 22 | -102 | -142 |
| OPM % | -40% | -25% | -14% | 3% | -9% | -13% |
| 14 | 17 | 22 | 15 | 22 | 29 | |
| Interest | 7 | 11 | 20 | 19 | 27 | 29 |
| Depreciation | 1 | 2 | 4 | 4 | 13 | 14 |
| Profit before tax | -110 | -128 | -81 | 14 | -120 | -155 |
| Tax % | 1% | -0% | 4% | 0% | 2% | |
| -111 | -128 | -84 | 14 | -122 | -157 | |
| EPS in Rs | -1,107.46 | -22.41 | -14.66 | 2.46 | -15.64 | -20.32 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 31% |
| TTM: | 6% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 2% |
| TTM: | -4986% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | -27% |
| Last Year: | -32% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Equity Capital | 1 | 11 | 11 | 11 | 16 |
| Reserves | -35 | 205 | 131 | 151 | 573 |
| 75 | 158 | 206 | 223 | 292 | |
| 383 | 462 | 366 | 469 | 480 | |
| Total Liabilities | 423 | 836 | 714 | 855 | 1,360 |
| 1 | 9 | 15 | 16 | 25 | |
| CWIP | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 1 | 2 | 5 | 6 |
| 421 | 826 | 698 | 834 | 1,329 | |
| Total Assets | 423 | 836 | 714 | 855 | 1,360 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| -35 | -321 | 27 | -22 | -68 | |
| 10 | -85 | -1 | 27 | -313 | |
| 73 | 329 | 18 | 3 | 515 | |
| Net Cash Flow | 49 | -76 | 44 | 8 | 133 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Debtor Days | 48 | 20 | 51 | 34 | 17 |
| Inventory Days | |||||
| Days Payable | |||||
| Cash Conversion Cycle | 48 | 20 | 51 | 34 | 17 |
| Working Capital Days | -369 | -233 | -234 | -140 | -163 |
| ROCE % | -57% | -17% | 9% | -15% |
Documents
Announcements
-
Dispatch Of Letter To Shareholders Whose E-Mail Addresses Are Not Registered With Company/ Registrar & Share Transfer Agent/ Depository Participant(S)
21 Aug - AGM on September 16, 2025; annual report web-links sent to shareholders without registered emails.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
21 Aug - Newspaper Advertisements for 17th Annual General Meeting of Members of the Company
-
Business Responsibility and Sustainability Reporting (BRSR)
20 Aug - Uploaded FY2024-25 Business Responsibility and Sustainability Report and Annual Report link (dated 20 Aug 2025).
- Reg. 34 (1) Annual Report. 20 Aug
-
Notice Of 17Th Annual General Meeting Scheduled To Be Held On Tuesday, September 16, 2025 At 03:30 P.M. (IST) Along With Annual Report For The Financial Year 2024-25
20 Aug - Notice of 17th AGM on Sept 16, 2025; FY24-25 annual report; auditors appointed; ESOP amendment; reappointment of Upasana.
Concalls
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Aug 2025Transcript PPT
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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.