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 ₹ 2,058 Cr.
- Current Price ₹ 262
- High / Low ₹ 698 / 219
- Stock P/E
- Book Value ₹ 75.8
- Dividend Yield 0.00 %
- ROCE -14.6 %
- ROE -32.4 %
- Face Value ₹ 2.00
Pros
- Debtor days have improved from 34.2 to 17.5 days.
Cons
- Stock is trading at 3.45 times its book value
- Company has low interest coverage ratio.
- Promoter holding is low: 24.9%
- Company has a low return on equity of -27.0% 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 | TTM | |
|---|---|---|---|---|---|---|
| 289 | 527 | 539 | 875 | 1,170 | 1,099 | |
| 404 | 659 | 617 | 853 | 1,272 | 1,241 | |
| Operating Profit | -115 | -132 | -78 | 22 | -102 | -142 |
| OPM % | -40% | -25% | -14% | 3% | -9% | -13% |
| 14 | 17 | 22 | 15 | 22 | 29 | |
| Interest | 7 | 11 | 20 | 19 | 27 | 29 |
| Depreciation | 1 | 2 | 4 | 4 | 13 | 14 |
| Profit before tax | -110 | -128 | -81 | 14 | -120 | -155 |
| Tax % | 1% | -0% | 4% | 0% | 2% | |
| -111 | -128 | -84 | 14 | -122 | -157 | |
| EPS in Rs | -1,107.46 | -22.41 | -14.66 | 2.46 | -15.64 | -20.32 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 31% |
| TTM: | 6% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 2% |
| TTM: | -4986% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | -27% |
| Last Year: | -32% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Equity Capital | 1 | 11 | 11 | 11 | 16 |
| Reserves | -35 | 205 | 131 | 151 | 573 |
| 75 | 158 | 206 | 223 | 292 | |
| 383 | 462 | 366 | 469 | 480 | |
| Total Liabilities | 423 | 836 | 714 | 855 | 1,360 |
| 1 | 9 | 15 | 16 | 25 | |
| CWIP | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 1 | 2 | 5 | 6 |
| 421 | 826 | 698 | 834 | 1,329 | |
| Total Assets | 423 | 836 | 714 | 855 | 1,360 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| -35 | -321 | 27 | -22 | -68 | |
| 10 | -85 | -1 | 27 | -313 | |
| 73 | 329 | 18 | 3 | 515 | |
| Net Cash Flow | 49 | -76 | 44 | 8 | 133 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Debtor Days | 48 | 20 | 51 | 34 | 17 |
| Inventory Days | |||||
| Days Payable | |||||
| Cash Conversion Cycle | 48 | 20 | 51 | 34 | 17 |
| Working Capital Days | -369 | -233 | -234 | -140 | -163 |
| ROCE % | -57% | -17% | 9% | -15% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
30 Oct - Schedule of earnings call for analysts and investors for discussing the Company''s financial results to be held on Tuesday, November 04, 2025 at 16:00 hours …
-
Board Meeting Intimation for Consider And Approve The Unaudited Financial Results (Standalone And Consolidated) Of The Company For The Quarter And Half Year Ended September 30, 2025
30 Oct - Board meeting Nov 4, 2025 to approve unaudited results for quarter/half ended Sep 30; earnings call Nov 4 16:00.
-
Announcement under Regulation 30 (LODR)-Change in Management
24 Oct - Mohit Narain resigns as COO (Payments), effective Oct 24, 2025, due to health reasons.
- Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 8 Oct
-
Announcement under Regulation 30 (LODR)-Change in Management
3 Oct - VP Anurag Jain resigned effective Oct 03, 2025; reason personal; resignation letter enclosed.
Concalls
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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.