MOS Utility Ltd
Incorporated in 2009, MOS Utility Ltd is a fintech company which offers a Unified Open API and Wallet platform[1]
- Market Cap ₹ 427 Cr.
- Current Price ₹ 16.6
- High / Low ₹ 28.9 / 9.05
- Stock P/E 28.7
- Book Value ₹ 4.76
- Dividend Yield 0.00 %
- ROCE 16.2 %
- ROE 14.3 %
- Face Value ₹ 2.00
Pros
- Company has delivered good profit growth of 163% CAGR over last 5 years
- Promoter holding has increased by 3.14% over last quarter.
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has a low return on equity of 13.1% over last 3 years.
- Promoter holding has decreased over last 3 years: -13.6%
* 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
Financial Services Financial Services Financial Technology (Fintech) Financial Technology (Fintech)
Part of Nifty SME Emerge
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| 817 | 554 | 73 | 77 | 106 | 175 | 208 | 241 | |
| 814 | 550 | 72 | 76 | 99 | 165 | 191 | 220 | |
| Operating Profit | 3 | 4 | 2 | 2 | 7 | 10 | 17 | 21 |
| OPM % | 0% | 1% | 2% | 2% | 7% | 6% | 8% | 9% |
| 0 | 0 | 1 | 4 | 4 | 6 | 4 | 7 | |
| Interest | 0 | 1 | 0 | 1 | 1 | 1 | 1 | 4 |
| Depreciation | 1 | 1 | 1 | 1 | 2 | 2 | 3 | 4 |
| Profit before tax | 2 | 2 | 1 | 3 | 7 | 13 | 16 | 19 |
| Tax % | 32% | 7% | 125% | -8% | 22% | 20% | 31% | 24% |
| 1 | 2 | -0 | 3 | 6 | 10 | 11 | 15 | |
| EPS in Rs | 13.30 | 9.35 | -0.60 | 16.45 | 0.30 | 0.42 | 0.45 | 0.58 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 27% |
| 3 Years: | 31% |
| TTM: | 16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 163% |
| 3 Years: | 68% |
| TTM: | 52% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 17% |
| 1 Year: | -41% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 13% |
| 3 Years: | 13% |
| Last Year: | 14% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 0.10 | 0.19 | 0.19 | 0.19 | 19 | 25 | 25 | 51 |
| Reserves | 2 | 7 | 6 | 9 | 7 | 49 | 61 | 71 |
| 2 | 3 | 6 | 13 | 8 | 1 | 16 | 69 | |
| 18 | 16 | 12 | 14 | 18 | 9 | 15 | 14 | |
| Total Liabilities | 22 | 26 | 25 | 36 | 52 | 85 | 116 | 205 |
| 5 | 5 | 5 | 6 | 9 | 10 | 15 | 14 | |
| CWIP | 0 | 0 | 1 | 7 | 3 | 2 | 0 | 0 |
| Investments | 0 | 0 | 0 | 3 | 12 | 18 | 22 | 48 |
| 18 | 21 | 18 | 20 | 29 | 53 | 80 | 144 | |
| Total Assets | 22 | 26 | 25 | 36 | 52 | 85 | 116 | 205 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| -5 | 3 | 5 | 4 | -12 | 36 | -3 | ||
| 0 | -1 | -10 | -9 | -11 | -34 | -40 | ||
| 3 | -0 | 4 | 5 | 30 | 11 | 47 | ||
| Net Cash Flow | -2 | 1 | -1 | 1 | 8 | 13 | 5 | |
| Free Cash Flow | -8 | 2 | -3 | 4 | -16 | 33 | -6 | |
| CFO/OP | -120% | 181% | 333% | 73% | -96% | 239% | 5% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Debtor Days | 3 | 3 | 17 | 2 | 14 | 15 | 3 | 1 |
| Inventory Days | 0 | 0 | 2 | |||||
| Days Payable | 4 | 1 | 7 | |||||
| Cash Conversion Cycle | -1 | 2 | 11 | 2 | 14 | 15 | 3 | 1 |
| Working Capital Days | -3 | 1 | 1 | -17 | 48 | 70 | 50 | -24 |
| ROCE % | 41% | 9% | 4% | 19% | 15% | 18% | 16% |
Insights
In beta| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Number of Agent Network Partners (MOS Pramukhs) Count |
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| Number of Distributors Count |
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| Number of Master Distributors Count |
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| Geographic Coverage - Pins Codes Count |
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| Annual Transactions Processed Crore |
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| Number of MOS Seva Kendras (MSK) Count |
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| Geographic Coverage - Villages Count |
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Extracted by Screener AI
Documents
Announcements
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Copy of Newspaper Publication
31 May 2026 - Audited standalone and consolidated results for quarter and year ended March 31, 2026 approved May 29, 2026.
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General Updates
25 May 2026 - Board approved FY26 audited standalone and consolidated results; appointed secretarial auditor for FY27-FY31.
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Outcome of Board Meeting
25 May 2026 - Board approved audited standalone and consolidated FY26 results on 25 May 2026; prior-period figures restated.
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Resignation
19 May 2026 - Pranay Vaidya resigned as MOS Utility’s Secretarial Auditor effective 18 May 2026.
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Press Release
11 May 2026 - MOS Utility signs non-exclusive referral partnership with Thomas Cook for forex leads from 2 April 2026.
Annual reports
Concalls
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Jun 2024TranscriptPPT
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May 2023TranscriptAI SummaryPPT
Business Overview:[1]
Company provides a platform to agents to facilitate instant digital transfer of money to a bank account, AEPS, Micro ATM, NSDL kiosk, flight booking, hotel booking, recharge any cell phone and DTH, Bill payments of utility bills and insurance premium selling to travel, 2-wheeler and health insurance, CMS, courier services, Mera adhikar, etc.