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 ₹ 165 Cr.
- Current Price ₹ 6.40
- High / Low ₹ 28.6 / 5.10
- Stock P/E 10.1
- Book Value ₹ 4.76
- Dividend Yield 0.00 %
- ROCE 16.2 %
- ROE 14.4 %
- Face Value ₹ 2.00
Pros
- Company has delivered good profit growth of 163% CAGR over last 5 years
- Promoter holding has increased by 4.58% 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 12.8% over last 3 years.
- Promoters have pledged 42.1% of their holding.
- Promoter holding has decreased over last 3 years: -8.98%
* 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 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| 817 | 554 | 73 | 77 | 106 | 175 | 208 | 241 | 222 | |
| 814 | 550 | 72 | 76 | 99 | 165 | 190 | 220 | 199 | |
| Operating Profit | 3 | 4 | 2 | 2 | 7 | 10 | 18 | 21 | 23 |
| OPM % | 0.4% | 0.8% | 2.0% | 2.3% | 7% | 6% | 9% | 9% | 10% |
| 0 | 0 | 1 | 4 | 4 | 6 | 4 | 7 | 6 | |
| Interest | 0 | 1 | 0 | 1 | 1 | 1 | 2 | 4 | 5 |
| Depreciation | 1 | 1 | 1 | 1 | 2 | 2 | 4 | 4 | 4 |
| Profit before tax | 2 | 2 | 1 | 3 | 7 | 13 | 16 | 19 | 21 |
| Tax % | 32% | 7% | 125% | -8% | 22% | 20% | 31% | 24% | |
| 1 | 2 | -0 | 3 | 6 | 10 | 11 | 15 | 16 | |
| EPS in Rs | 13.30 | 9.35 | -0.60 | 16.45 | 0.30 | 0.42 | 0.45 | 0.58 | 0.64 |
| 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: | 67% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | -9% |
| 1 Year: | -74% |
| 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 | 59 | 71 |
| 2 | 3 | 6 | 13 | 8 | 1 | 18 | 69 | |
| 18 | 16 | 12 | 14 | 18 | 9 | 15 | 14 | |
| Total Liabilities | 22 | 26 | 25 | 36 | 52 | 85 | 117 | 205 |
| 5 | 5 | 5 | 6 | 9 | 10 | 14 | 11 | |
| CWIP | 0 | 0 | 1 | 7 | 3 | 2 | 0 | 2 |
| Investments | 0 | 0 | 0 | 3 | 12 | 18 | 22 | 48 |
| 18 | 21 | 18 | 20 | 29 | 53 | 81 | 144 | |
| Total Assets | 22 | 26 | 25 | 36 | 52 | 85 | 117 | 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 | 37 | -3 | ||
| 0 | -1 | -10 | -9 | -11 | -43 | -40 | ||
| 3 | -0 | 4 | 5 | 30 | 9 | 47 | ||
| Net Cash Flow | -2 | 1 | -1 | 1 | 8 | 3 | 5 | |
| Free Cash Flow | -8 | 2 | -3 | 4 | -16 | 34 | -6 | |
| CFO/OP | -120% | 181% | 333% | 73% | -96% | 218% | 5% |
Ratios
Standalone / 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 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Number of Agents (MOS Pramukh) count |
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Extracted by Screener AI
Documents
Announcements
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Change in Management
- Shareholders approved executive director reappointment and five-year secretarial auditor appointment at 17th AGM.
-
Shareholders meeting
- 17th AGM resolutions passed; MOS approved 2026 ESOP scheme for up to 2,57,44,041 options.
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Shareholders meeting
- MOS Utility held its 17th AGM; FY26 revenue ₹635.24 crore, PAT ₹18.53 crore; ESOP resolutions proposed.
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Disclosure of material issue
- Promoter pledge invoked on 1,99,95,850 shares (7.77%) on 22 Sept 2026; entire 4,99,95,850-share pledge closed.
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Trading Window
- Trading window closes from 1 October 2026 until 48 hours after Q2 FY2026 results.
Annual reports
-
Annual Report 2026
from nse
-
Annual Report 2025
from nse
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Annual Report 2024
from nse
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Annual Report 2023
from nse
Concalls
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Jun 2024Transcript
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May 2023PPT
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.