One Mobikwik Systems Ltd.
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ABOUT
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 120.7% YoY, showing strong momentum
- Company has delivered good sales growth of 32.5% CAGR over last 5 years
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 -13.3% over last 3 years
- Receivables are growing faster than sales - a possible quality concern
- Company has a low return on capital employed of 5.8%
- Interest coverage is weak at 0.6x - earnings barely cover interest
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| GROWW | 194.60 | 50.04 | 122084.19 | 0.00 | 7350.40 | — | 15014.20 | 1560.13 | 37.54 | 64.60 |
| PAYTM | 1752.25 | 172.96 | 112425.73 | 0.00 | 220.00 | 79.59 | 2448.00 | 27.67 | 3.87 | 8.29 |
| POLICYBZR | 1799.30 | 111.26 | 83252.69 | 0.00 | 1629.10 | 1824.51 | 18882.80 | 1300.81 | 10.84 | 7.24 |
| PINELABS | 175.10 | 158.72 | 20204.06 | 0.00 | 195.70 | 3985.59 | 7369.20 | 1096.47 | 4.21 | 12.88 |
| STYL | 388.55 | 23.83 | 6286.97 | 0.64 | 60.34 | 63.78 | 376.47 | 21.10 | 28.03 | 23.21 |
| CCAVENUE | 15.41 | 18.33 | 5387.98 | 0.00 | 84.77 | 45.08 | 2680.40 | 109.37 | 7.98 | 3.80 |
| TURTLEMINT | 134.55 | 0.00 | 3962.21 | 0.00 | -377.80 | — | 2940.80 | — | -38.38 | -11.20 |
| MOBIKWIK | 195.30 | 0.00 | 1537.93 | 0.00 | 7.62 | 118.17 | 281.48 | 3.73 | 8.02 | 2.88 |
| SUVIDHAA | 2.43 | 0.00 | 50.98 | 0.00 | -1.91 | 55.58 | 2.40 | 135.29 | -32.85 | -70.42 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 201 | 227 | 263 | 341 | 290 | 268 | 266 | 270 | 268 | 286 | 282 | 274 | |
| 194 | 218 | 268 | 347 | 287 | 315 | 323 | 311 | 283 | 278 | 272 | 274 | |
| Operating Profit | 8 | 9 | -5 | -6 | 2 | -47 | -57 | -41 | -15 | 8 | 10 | -1 |
| OPM % | 3.75% | 4.03% | -1.77% | -1.74% | 0.81% | -17.43% | -21.52% | -15.28% | -5.58% | 2.75% | 3.46% | -0.28% |
| 5 | 3 | 7 | 4 | 6 | 7 | 13 | 13 | -1 | 11 | 6 | 9 | |
| Interest | 5 | 6 | 6 | 7 | 8 | 8 | 8 | 9 | 8 | 8 | 6 | 5 |
| Depreciation | 1 | 1 | 1 | 2 | 3 | 3 | 4 | 3 | 3 | 4 | 4 | 4 |
| Profit before Tax | 6 | 5 | -5 | -11 | -3 | -51 | -56 | -40 | -27 | 7 | 6 | 8 |
| Tax % | 0.00% | 0.00% | -0.00% | -0.00% | -0.00% | -2.05% | -0.00% | -0.00% | -0.00% | 0.00% | 0.00% | 0.00% |
| Net Profit | 6 | 5 | -5 | -11 | -3 | -52 | -56 | -40 | -27 | 7 | 6 | 8 |
| 1.03 | 0.95 | -0.86 | -1.99 | -0.51 | -8.98 | -8.83 | -5.12 | -3.46 | 0.85 | 0.76 | 1.05 |
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 | |
|---|---|---|---|---|---|---|---|---|---|
| 111 | 306 | 271 | 487 | 526 | 867 | 1,164 | 1,106 | 1,110 | |
| 248 | 416 | 333 | 530 | 495 | 816 | 1,233 | 1,044 | 1,108 | |
| Operating Profit | -138 | -111 | -62 | -43 | 31 | 51 | -69 | 63 | 2 |
| OPM % | -124.64% | -36.23% | -22.72% | -8.92% | 5.86% | 5.92% | -5.89% | 5.65% | 0.17% |
| 20 | 22 | 21 | 19 | 21 | 17 | 30 | 29 | 25 | |
| Interest | 7 | 10 | 66 | 101 | 130 | 55 | 70 | 132 | 27 |
| Depreciation | 1 | 3 | 1 | 2 | 4 | 4 | 13 | 14 | 15 |
| Profit before Tax | -126 | -102 | -108 | -128 | -83 | 9 | -121 | -54 | -6 |
| Tax % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | 0.00% | -0.87% | -0.00% | -0.00% |
| Net Profit | -126 | -102 | -108 | -128 | -83 | 9 | -122 | -54 | -6 |
| EPS | 0.00 | 0.00 | -21.46 | -23.01 | -14.44 | 1.56 | -15.75 | -6.88 | — |
| 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:
- 32%
- 3 Years:
- 28%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- -36%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- -54%
- 3 Years:
- -13%
- Last Year:
- -10%
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 | |
|---|---|---|---|---|---|---|---|---|
| 1 | 1 | 1 | 11 | 11 | 11 | 16 | 16 | |
| 19 | -55 | -48 | 182 | 100 | 109 | 519 | 502 | |
| 86 | 75 | 53 | 150 | 222 | 257 | 325 | 274 | |
| Trade Payables | 74 | 56 | 74 | 64 | 114 | 221 | 101 | 91 |
| 141 | 256 | 336 | 412 | 291 | 272 | 434 | 514 | |
| Total Liabilities | 320 | 332 | 416 | 819 | 740 | 870 | 1,394 | 1,398 |
| 1 | 5 | 1 | 9 | 15 | 16 | 25 | 23 | |
| 11 | 9 | 42 | 53 | 63 | 66 | 68 | 83 | |
| 0 | 0 | 0 | 0 | 0 | 81 | 55 | 72 | |
| Cash & Bank | 181 | 206 | 190 | 348 | 338 | 335 | 939 | 827 |
| 127 | 113 | 184 | 408 | 324 | 372 | 306 | 392 | |
| Total Assets | 320 | 332 | 416 | 819 | 740 | 870 | 1,394 | 1,398 |
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 | |
|---|---|---|---|---|---|---|---|---|
| -101 | -18 | -38 | -315 | 11 | -25 | -62 | -40 | |
| Cash from Investing | 12 | 20 | 8 | -83 | -26 | 23 | -315 | 80 |
| Cash from Financing | 74 | -23 | 73 | 330 | 36 | 18 | 515 | -40 |
| -15 | -25 | 43 | -74 | 28 | 16 | 137 | -0 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| 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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