One Mobikwik Systems Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2022 • Consumer Payments: 47.5% • Payment Gateway: 33.9% • Digital Financial Services: 18.5%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Latest quarter profit grew 118.2% YoY, showing strong momentum
- Company has delivered good sales growth of 31.1% CAGR over last 5 years
- Strong cash generation - operating cash flow backs reported profits (CFO/PAT 0.99x)
- Company generates healthy free cash flow
CONS
- Company is loss-making at the operating / net level
- Operating cash flow has been negative in recent years
- Company has a low return on equity of -12.3% over last 3 years
- Receivables are growing faster than sales - a possible quality concern
- Company has a low return on capital employed of 6.0%
- Interest coverage is weak at 0.5x - earnings barely cover interest
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| GROWW | 200.20 | 51.48 | 125597.40 | 0.00 | 7350.40 | — | 15014.20 | 1560.13 | 37.54 | 64.60 |
| PAYTM | 1806.25 | 178.29 | 115890.41 | 0.00 | 220.00 | 79.59 | 2448.00 | 27.67 | 3.87 | 8.29 |
| POLICYBZR | 1795.75 | 111.06 | 83098.83 | 0.00 | 1629.10 | 1824.51 | 18882.80 | 1300.81 | 10.84 | 7.24 |
| PINELABS | 202.35 | 183.43 | 23348.32 | 0.00 | 195.70 | 3985.59 | 7369.20 | 1096.47 | 4.21 | 12.88 |
| STYL | 386.25 | 23.69 | 6249.75 | 0.65 | 60.34 | 63.78 | 376.47 | 21.10 | 28.03 | 23.21 |
| CCAVENUE | 16.31 | 19.40 | 5702.66 | 0.00 | 84.77 | 45.08 | 2680.40 | 109.37 | 7.98 | 3.80 |
| TURTLEMINT | 136.25 | 0.00 | 4012.28 | 0.00 | -377.80 | — | 2940.80 | — | -38.38 | -11.20 |
| MOBIKWIK | 209.55 | 0.00 | 1650.14 | 0.00 | 7.62 | 118.17 | 281.48 | 3.73 | 8.02 | 2.88 |
| SUVIDHAA | 2.26 | 0.00 | 47.42 | 0.00 | -1.91 | 55.58 | 2.40 | 135.29 | -32.85 | -70.42 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 203 | 229 | 265 | 342 | 291 | 269 | 268 | 271 | 270 | 289 | 289 | 281 | |
| 196 | 221 | 266 | 344 | 287 | 317 | 324 | 313 | 286 | 282 | 279 | 282 | |
| Operating Profit | 7 | 8 | -1 | -1 | 4 | -48 | -57 | -41 | -15 | 7 | 10 | -0 |
| OPM % | 3.65% | 3.66% | -0.28% | -0.39% | 1.30% | -17.69% | -21.10% | -15.28% | -5.73% | 2.32% | 3.49% | -0.01% |
| 3 | 2 | 7 | 4 | 3 | 5 | 11 | 10 | -3 | 8 | 4 | 8 | |
| Interest | 5 | 5 | 5 | 7 | 7 | 7 | 7 | 8 | 7 | 7 | 5 | 5 |
| Depreciation | 1 | 1 | 1 | 2 | 3 | 3 | 4 | 3 | 3 | 4 | 4 | 4 |
| Profit before Tax | 5 | 5 | -1 | -6 | -3 | -53 | -57 | -42 | -29 | 4 | 4 | 8 |
| Tax % | 0.57% | -1.73% | -4.69% | -4.25% | -8.13% | -3.95% | 1.18% | -0.10% | -0.14% | 0.00% | 2.23% | 0.38% |
| Net Profit | 0 | 0 | 0 | 0 | -4 | -55 | -56 | -42 | -29 | 4 | 4 | 8 |
| 0.91 | 0.92 | -0.12 | -1.16 | -0.63 | -9.48 | -8.88 | -5.39 | -3.67 | 0.52 | 0.56 | 0.97 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| 148 | 356 | 289 | 527 | 539 | 875 | 1,170 | 1,119 | 1,129 | |
| 302 | 454 | 346 | 568 | 507 | 820 | 1,233 | 1,058 | 1,128 | |
| Operating Profit | -154 | -99 | -57 | -41 | 32 | 55 | -63 | 61 | 1 |
| OPM % | -103.47% | -27.78% | -19.80% | -7.84% | 5.94% | 6.24% | -5.37% | 5.44% | 0.11% |
| 12 | 14 | 14 | 17 | 22 | 15 | 22 | 19 | 17 | |
| Interest | 8 | 11 | 66 | 102 | 130 | 51 | 66 | 128 | 24 |
| Depreciation | 2 | 3 | 1 | 2 | 4 | 4 | 13 | 14 | 15 |
| Profit before Tax | -151 | -98 | -110 | -128 | -81 | 14 | -120 | -62 | -12 |
| Tax % | 2.13% | -1.91% | -0.94% | 0.20% | -3.95% | 0.01% | -1.65% | -0.27% | -1.36% |
| Net Profit | -148 | -100 | -111 | -128 | -84 | 14 | -122 | -62 | -13 |
| EPS | 0.00 | 0.00 | -22.18 | -23.04 | -14.66 | 2.46 | -15.64 | -7.89 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 31%
- 3 Years:
- 28%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- -31%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- -69%
- 3 Years:
- -12%
- Last Year:
- -12%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| 1 | 1 | 1 | 11 | 11 | 11 | 16 | 16 | |
| -20 | -71 | -69 | 162 | 78 | 93 | 503 | 479 | |
| 92 | 80 | 58 | 157 | 204 | 221 | 286 | 269 | |
| Trade Payables | 76 | 62 | 81 | 75 | 118 | 227 | 107 | 97 |
| 181 | 263 | 349 | 428 | 302 | 302 | 449 | 548 | |
| Total Liabilities | 330 | 335 | 420 | 833 | 714 | 855 | 1,361 | 1,409 |
| 12 | 5 | 1 | 9 | 15 | 16 | 25 | 23 | |
| 0 | 4 | 1 | 1 | 2 | 5 | 6 | 9 | |
| 0 | 0 | 0 | 0 | 0 | 81 | 56 | 73 | |
| Cash & Bank | 204 | 217 | 204 | 384 | 362 | 387 | 969 | 893 |
| 114 | 109 | 214 | 439 | 337 | 366 | 304 | 410 | |
| Total Assets | 330 | 335 | 420 | 833 | 714 | 855 | 1,361 | 1,409 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| -133 | -11 | -35 | -312 | 16 | -22 | -68 | -78 | |
| Cash from Investing | 73 | 13 | 10 | -85 | -1 | 27 | -313 | 82 |
| Cash from Financing | 54 | -23 | 73 | 329 | 18 | 3 | 515 | -2 |
| -10 | -28 | 49 | -76 | 44 | 8 | 133 | 2 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-10 - One Mobikwik Systems Limited has informed the Exchange regarding a press release dated September 10, 2026, titled "GFF 2026: MobiKwik FX Retail simplifies forex for Indians, now offering six currencies on its app".
2026-08-25 - One Mobikwik Systems Limited has informed the Exchange about Schedule of meet
2026-08-22 - One Mobikwik Systems Limited has informed the Exchange about Dispatch of letter to shareholders whose e-mail addresses are not registered with Company/ Registrar & Share Transfer Agent/ Depository Participant(s)
2026-08-22 - One Mobikwik Systems Limited has informed the Exchange about Newspaper Publications for 18th Annual General Meeting of Members of the Company
2026-08-21 - One Mobikwik Systems Limited has informed the Exchange about Business Responsibility and Sustainability Report for FY 2025-26
2026-08-21 - One Mobikwik Systems Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 22, 2026
2026-08-19 - One Mobikwik Systems Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-18 - One Mobikwik Systems Limited has informed the Exchange regarding a press release dated August 18, 2026, titled "MobiKwik completes transfer of digital lending business to wholly-owned subsidiary; appoints CBO to lead the vertical".
2026-08-18 - One Mobikwik Systems Limited has informed the Exchange about update on Slump Sale
News
Recent coverage and analyst commentary for MOBIKWIK
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