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 ₹ 1,533 Cr.
- Current Price ₹ 195
- High / Low ₹ 334 / 151
- Stock P/E
- Book Value ₹ 68.4
- Dividend Yield 0.00 %
- ROCE -2.24 %
- ROE -8.26 %
- Face Value ₹ 2.00
Pros
Cons
- Stock is trading at 2.84 times its book value
- Company has low interest coverage ratio.
- Promoter holding is low: 25.1%
- Company has a low return on equity of -14.1% 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 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 289 | 527 | 539 | 875 | 1,170 | 1,119 | |
| 404 | 659 | 617 | 853 | 1,272 | 1,159 | |
| Operating Profit | -115 | -132 | -78 | 22 | -102 | -40 |
| OPM % | -40% | -25% | -14% | 3% | -9% | -4% |
| 14 | 17 | 22 | 15 | 22 | 19 | |
| Interest | 7 | 11 | 20 | 19 | 27 | 27 |
| Depreciation | 1 | 2 | 4 | 4 | 13 | 14 |
| Profit before tax | -110 | -128 | -81 | 14 | -120 | -62 |
| Tax % | 1% | -0% | 4% | 0% | 2% | 0% |
| -111 | -128 | -84 | 14 | -122 | -62 | |
| EPS in Rs | -1,107.46 | -22.41 | -14.66 | 2.46 | -15.64 | -7.89 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 31% |
| 3 Years: | 28% |
| TTM: | -4% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 10% |
| 3 Years: | 13% |
| TTM: | 62% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -28% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | -27% |
| 3 Years: | -14% |
| Last Year: | -8% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 1 | 11 | 11 | 11 | 16 | 16 |
| Reserves | -35 | 205 | 131 | 151 | 573 | 523 |
| 75 | 158 | 206 | 223 | 292 | 276 | |
| 383 | 462 | 366 | 469 | 480 | 594 | |
| Total Liabilities | 423 | 836 | 714 | 855 | 1,360 | 1,409 |
| 1 | 9 | 15 | 16 | 25 | 23 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 1 | 2 | 5 | 6 | 9 |
| 421 | 826 | 698 | 834 | 1,329 | 1,376 | |
| Total Assets | 423 | 836 | 714 | 855 | 1,360 | 1,409 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| -35 | -321 | 27 | -22 | -68 | -78 | |
| 10 | -85 | -1 | 27 | -313 | 82 | |
| 73 | 329 | 18 | 3 | 515 | -2 | |
| Net Cash Flow | 49 | -76 | 44 | 8 | 133 | 2 |
| Free Cash Flow | -35 | -324 | 26 | -28 | -77 | -89 |
| CFO/OP | 30% | 237% | -20% | -21% | 77% | 182% |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Debtor Days | 48 | 20 | 51 | 34 | 17 | 24 |
| Inventory Days | ||||||
| Days Payable | ||||||
| Cash Conversion Cycle | 48 | 20 | 51 | 34 | 17 | 24 |
| Working Capital Days | -369 | -233 | -234 | -140 | -163 | -159 |
| ROCE % | -57% | -17% | 9% | -15% | -2% |
Insights
In beta| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Payments GMV INR Bn |
|
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| Registered Users Million |
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| Total Merchants Million |
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| Digital Credit GMV (Disbursal) INR Mn |
|||||
| Assets Under Administration (Wealth AUA) INR Mn |
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| Customer Acquisition Cost (CAC) per New Registered User INR |
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| Revenue per Employee INR Cr |
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Extracted by Screener AI
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
3 Jun - Newspaper Publication for the Notice of Postal Ballot, remote e-voting information and Form PAS-1 (Public Notice)
-
Shareholder Meeting / Postal Ballot-Notice of Postal Ballot
2 Jun - Postal ballot on object clause change, LSP business slump sale to MDSPL, and IPO proceeds extension to FY27.
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 29 May
-
In-Principle Authorisation To Operate As A Payment Aggregator - Physical Under The Payment And Settlement Systems Act, 2007 Received From The Reserve Bank Of India
26 May - RBI granted in-principle authorisation on May 25, 2026 for Payment Aggregator-Physical operations.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
26 May - MobiKwik received RBI in-principle approval for PA-P license, targeting 10x merchant business growth by FY28.
Concalls
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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.