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 ₹ 1,974 Cr.
- Current Price ₹ 254
- High / Low ₹ 698 / 227
- 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 3.35 times its book value
- Company has low interest coverage ratio.
- Promoter holding is low: 25.2%
- 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 | |
|---|---|---|---|---|---|
| 289 | 527 | 539 | 875 | 1,170 | |
| 404 | 659 | 617 | 853 | 1,272 | |
| Operating Profit | -115 | -132 | -78 | 22 | -102 |
| OPM % | -40% | -25% | -14% | 3% | -9% |
| 14 | 17 | 22 | 15 | 22 | |
| Interest | 7 | 11 | 20 | 19 | 27 |
| Depreciation | 1 | 2 | 4 | 4 | 13 |
| Profit before tax | -110 | -128 | -81 | 14 | -120 |
| Tax % | 1% | -0% | 4% | 0% | 2% |
| -111 | -128 | -84 | 14 | -122 | |
| EPS in Rs | -1,107.46 | -22.41 | -14.66 | 2.46 | -15.64 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 31% |
| TTM: | 34% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 2% |
| TTM: | -965% |
| 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 | -292 | -128 | -118 | -68 | -77 |
| ROCE % | -57% | -17% | 9% | -15% |
Documents
Announcements
- Closure of Trading Window 25 Jun
-
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
19 Jun - Of allotment of 465873 Equity Shares pursuant to exercise of stock options under MobiKwik Employee Stock Option Plan 2014
-
Announcement Under Regulation 30 Of The SEBI (LODR) - Intimation Of Grant Of Stock Options Under Mobikwik Employee Stock Option Plan 2014
12 Jun - Granted 3,27,688 stock options to employees under 2014 ESOP plan at Rs.2 face value.
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
23 May - Of Schedule of Analyst / Institutional Investor meetings pursuant to Regulation 30 read with Schedule III of the SEBI (LODR), Regulations 2015
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
23 May - MobiKwik Q4 FY25 earnings call: 200%+ payments GMV growth, lending recovery expected, ZaakPay licensed, investing for growth.
Concalls
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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.