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 ₹ 680 Cr.
- Current Price ₹ 273
- High / Low ₹ 375 / 150
- Stock P/E 60.6
- Book Value ₹ 34.3
- Dividend Yield 0.00 %
- ROCE 20.0 %
- ROE 14.0 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 43.1% CAGR over last 5 years
Cons
- Stock is trading at 7.95 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Promoter holding has decreased over last quarter: -3.54%
- Company has a low return on equity of 13.8% 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.
Half Yearly 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 | |
|---|---|---|---|---|---|---|---|
| 817 | 554 | 73 | 77 | 106 | 175 | 208 | |
| 814 | 550 | 72 | 76 | 99 | 165 | 191 | |
| Operating Profit | 3 | 4 | 2 | 2 | 7 | 10 | 17 |
| OPM % | 0% | 1% | 2% | 2% | 7% | 6% | 8% |
| 0 | 0 | 1 | 4 | 4 | 6 | 4 | |
| Interest | 0 | 1 | 0 | 1 | 1 | 1 | 1 |
| Depreciation | 1 | 1 | 1 | 1 | 2 | 2 | 3 |
| Profit before tax | 2 | 2 | 1 | 3 | 7 | 13 | 16 |
| Tax % | 32% | 7% | 125% | -8% | 22% | 20% | 31% |
| 1 | 2 | -0 | 3 | 6 | 10 | 11 | |
| EPS in Rs | 133.00 | 97.45 | -6.25 | 171.44 | 2.96 | 4.20 | 4.50 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | -18% |
| 3 Years: | 39% |
| TTM: | 19% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 43% |
| 3 Years: | 190% |
| TTM: | 86% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | 59% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 13% |
| 3 Years: | 14% |
| 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 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 0.10 | 0.19 | 0.19 | 0.19 | 19 | 25 | 25 |
| Reserves | 2 | 7 | 6 | 9 | 7 | 49 | 61 |
| 2 | 3 | 6 | 13 | 8 | 1 | 16 | |
| 18 | 16 | 12 | 14 | 18 | 9 | 15 | |
| Total Liabilities | 22 | 26 | 25 | 36 | 52 | 85 | 116 |
| 5 | 5 | 5 | 6 | 9 | 10 | 15 | |
| CWIP | 0 | 0 | 1 | 7 | 3 | 2 | 0 |
| Investments | 0 | 0 | 0 | 3 | 12 | 18 | 22 |
| 18 | 21 | 18 | 20 | 29 | 53 | 80 | |
| Total Assets | 22 | 26 | 25 | 36 | 52 | 85 | 116 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| -5 | 3 | 5 | 4 | -15 | 36 | ||
| 0 | -1 | -10 | -9 | -11 | -34 | ||
| 3 | -0 | 4 | 5 | 30 | 11 | ||
| Net Cash Flow | -2 | 1 | -1 | 1 | 5 | 13 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| Debtor Days | 3 | 3 | 17 | 2 | 14 | 15 | 3 |
| Inventory Days | 0 | 0 | 2 | 0 | |||
| Days Payable | 4 | 1 | 7 | 6 | |||
| Cash Conversion Cycle | -1 | 2 | 11 | 2 | 14 | 15 | -2 |
| Working Capital Days | -2 | 2 | 25 | 13 | 58 | 71 | 74 |
| ROCE % | 41% | 9% | 4% | 19% | 15% | 20% |
Documents
Announcements
-
Notice Of Shareholders Meetings-XBRL
13 June 2025 - MOS Utility Limited has informed about Notice of Shareholders Meeting for Extra-ordinary Meeting to be held on 07-Jul-2025
-
Shareholders meeting
13 June 2025 - EGM on July 7: director appointment, capital increase to Rs.75Cr, share split, bonus shares, borrowing limit raised to Rs.1000Cr, new payment business, preferential share issue.
-
Stock split
11 June 2025 - Board approved share split, bonus issue 1:1, capital increase to ₹75Cr, borrowing limit ₹400Cr, preferential allotment.
-
Outcome of Board Meeting-XBRL
11 June 2025 - MOS Utility Limited has informed regarding Outcome of Board Meeting held on 11-Jun-2025 for Bonus Shares
-
Bonus
11 June 2025 - Board approved share split, bonus issue 1:1, capital increase to Rs.75Cr, Rs.400Cr borrowing limit, preferential allotment.
Annual reports
Concalls
-
Jun 2024TranscriptPPT
-
May 2023TranscriptNotesPPT
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.