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 ₹ 438 Cr.
- Current Price ₹ 176
- High / Low ₹ 190 / 78.6
- Stock P/E 45.9
- Book Value ₹ 30.5
- Dividend Yield 0.00 %
- ROCE 27.2 %
- ROE 27.1 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
Cons
- Stock is trading at 5.77 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Earnings include an other income of Rs.6.39 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.
Peer comparison
Sector: E-Commerce/App based Aggregator Industry: Trading
Half Yearly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
|---|---|---|---|---|---|---|
| 817 | 554 | 73 | 77 | 106 | 137 | |
| 814 | 550 | 72 | 76 | 99 | 129 | |
| Operating Profit | 3 | 4 | 2 | 2 | 7 | 8 |
| OPM % | 0% | 1% | 2% | 2% | 7% | 6% |
| 0 | 0 | 1 | 4 | 4 | 6 | |
| Interest | 0 | 1 | 0 | 1 | 1 | 1 |
| Depreciation | 1 | 1 | 1 | 1 | 2 | 2 |
| Profit before tax | 2 | 2 | 1 | 3 | 7 | 11 |
| Tax % | 32% | 7% | 125% | -8% | 22% | |
| 1 | 2 | -0 | 3 | 6 | 10 | |
| EPS in Rs | 133.00 | 97.45 | -6.25 | 171.44 | 2.96 | 4.28 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | -42% |
| TTM: | 39% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 37% |
| TTM: | 122% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | 57% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 16% |
| Last Year: | 27% |
Balance Sheet
Figures in Rs. Crores
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
|---|---|---|---|---|---|---|
| Equity Capital | 0 | 0 | 0 | 0 | 19 | 25 |
| Reserves | 2 | 7 | 6 | 9 | 7 | 51 |
| 2 | 3 | 6 | 13 | 8 | 2 | |
| 18 | 16 | 12 | 14 | 20 | 8 | |
| Total Liabilities | 22 | 26 | 25 | 36 | 54 | 86 |
| 5 | 5 | 5 | 6 | 9 | 11 | |
| CWIP | 0 | 0 | 1 | 7 | 12 | 9 |
| Investments | 0 | 0 | 0 | 3 | 12 | 21 |
| 18 | 21 | 18 | 20 | 22 | 45 | |
| Total Assets | 22 | 26 | 25 | 36 | 54 | 86 |
Cash Flows
Figures in Rs. Crores
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
|---|---|---|---|---|---|
| -5 | 3 | 5 | 3 | ||
| 0 | -1 | -10 | -17 | ||
| 3 | -0 | 4 | 15 | ||
| Net Cash Flow | -2 | 1 | -1 | 1 |
Ratios
Figures in Rs. Crores
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
|---|---|---|---|---|---|
| Debtor Days | 3 | 3 | 17 | 2 | 14 |
| Inventory Days | 0 | 0 | 2 | ||
| Days Payable | 4 | 1 | 7 | ||
| Cash Conversion Cycle | -1 | 2 | 11 | 2 | 14 |
| Working Capital Days | -2 | 2 | 25 | 13 | 26 |
| ROCE % | 41% | 9% | 4% | 27% |
Business Overview:[1]
Company provides a platform to agents to facilitate booking of 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.