MOS Utility 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
- Company has a healthy return on capital (ROCE) of 24.9%
- Company has a good return on equity (ROE) track record: 3 Years ROE 20.7%
- Working capital cycle has improved - days down from 81 to 31
- Company comfortably covers its interest (14.0x coverage)
- Company maintains a comfortable, low leverage position
CONS
- Promoter holding has decreased over last 2 years: -9.0pp
- Total debt has risen sharply - up 269.7% year on year
- Stock is trading at 7.5x its book value
- Though reporting repeated profits, the company pays out little dividend (0.0%)
- Rich enterprise valuation - EV/EBITDA of 26.4x
* 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 |
| MOS | 6.00 | 8.54 | 154.46 | 0.00 | 43.61 | 961.07 | 1510.93 | 845.26 | 22.52 | 4.35 |
| 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
| Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|
| 133 | 175 | 160 | 156 | 166 | 153 | 151 | |
| 127 | 167 | 156 | 148 | 159 | 146 | 147 | |
| Operating Profit | 6 | 8 | 4 | 7 | 7 | 8 | 4 |
| OPM % | 4.44% | 4.39% | 2.40% | 4.80% | 4.00% | 4.99% | 2.79% |
| 0 | 2 | 1 | 2 | 1 | 1 | 2 | |
| Interest | 1 | 1 | 0 | 2 | 1 | 1 | 1 |
| Depreciation | 1 | 2 | 1 | 1 | 1 | 1 | 1 |
| Profit before Tax | 4 | 7 | 5 | 6 | 6 | 7 | 6 |
| Tax % | 28.74% | 35.79% | 18.64% | 19.25% | 25.89% | 28.11% | 24.99% |
| Net Profit | 0 | 0 | 4 | 5 | 4 | 5 | 4 |
| 0.12 | 0.19 | 0.17 | 0.41 | 0.17 | 0.20 | 0.17 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|
| 106 | 187 | 616 | 1,986 | |
| 99 | 175 | 596 | 1,922 | |
| Operating Profit | 7 | 12 | 20 | 64 |
| OPM % | 6.69% | 6.18% | 3.31% | 3.22% |
| 4 | 6 | 4 | 21 | |
| Interest | 1 | 1 | 1 | 18 |
| Depreciation | 2 | 2 | 4 | 13 |
| Profit before Tax | 7 | 15 | 19 | 77 |
| Tax % | 22.43% | 19.04% | 29.39% | 24.86% |
| Net Profit | 6 | 12 | 14 | 58 |
| EPS | 3.72 | 4.51 | 5.02 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 20%
- 1 Year:
- -40%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 21%
- Last Year:
- 17%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|
| Equity Capital | 19 | 25 | 25 |
| Minority Interest | 0 | 4 | 5 |
| 7 | 50 | 61 | |
| 17 | 4 | 20 | |
| Trade Payables | 5 | 11 | 16 |
| 4 | 12 | 24 | |
| Total Liabilities | 52 | 105 | 151 |
| 9 | 19 | 31 | |
| 12 | 14 | 6 | |
| 0 | 9 | 14 | |
| 0 | 9 | 5 | |
| Cash & Bank | 1 | 7 | 28 |
| 30 | 47 | 67 | |
| Total Assets | 52 | 105 | 151 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|
| 5 | -14 | 37 | |
| Cash from Investing | -9 | -14 | -29 |
| Cash from Financing | 5 | 34 | 13 |
| 1 | 6 | 21 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
No announcements filed.
News
Recent coverage and analyst commentary for MOS
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MOS Utility Ltd.
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