MOS Utility Ltd.

•

mos-world.comBSE: -NSE: MOS

Market Cap₹ 154 Cr.

Current Price

High / Low₹ 29 / 6

Stock P/E8.5

Book Value₹ 5

Price to Book7.54

Dividend Yield0.00 %

ROCE22.5 %

ROE16.7 %

Face Value₹ 2

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesITFintech

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	GROWW	200.20	51.48	125597.40	0.00	7350.40	—	15014.20	1560.13	37.54	64.60
2.	PAYTM	1806.25	178.29	115890.41	0.00	220.00	79.59	2448.00	27.67	3.87	8.29
3.	POLICYBZR	1795.75	111.06	83098.83	0.00	1629.10	1824.51	18882.80	1300.81	10.84	7.24
4.	PINELABS	202.35	183.43	23348.32	0.00	195.70	3985.59	7369.20	1096.47	4.21	12.88
5.	STYL	386.25	23.69	6249.75	0.65	60.34	63.78	376.47	21.10	28.03	23.21
6.	CCAVENUE	16.31	19.40	5702.66	0.00	84.77	45.08	2680.40	109.37	7.98	3.80
7.	TURTLEMINT	136.25	0.00	4012.28	0.00	-377.80	—	2940.80	—	-38.38	-11.20
8.	MOBIKWIK	209.55	0.00	1650.14	0.00	7.62	118.17	281.48	3.73	8.02	2.88
9.	MOS	6.00	8.54	154.46	0.00	43.61	961.07	1510.93	845.26	22.52	4.35
10.	SUVIDHAA	2.26	0.00	47.42	0.00	-1.91	55.58	2.40	135.29	-32.85	-70.42

Detailed Comparison with:

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

Shareholding Pattern

Numbers in percentages

	Mar 2023	Sep 2023	Mar 2024	Sep 2024	Mar 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	64.67	64.67	64.67	53.07	49.52	49.52	47.97	51.11	55.69
	8.10	4.73	1.05	19.05	16.01	14.15	12.31	12.07	8.10
	1.34	1.34	0.00	0.03	0.01	0.02	0.42	0.43	0.44
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	25.89	29.25	34.28	27.85	34.45	36.31	39.29	36.39	35.77

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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AI Stock Analyst

MOS Utility Ltd.

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Free 5nance Account

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

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

OPM %

4.44%

4.39%

2.40%

4.80%

4.00%

4.99%

2.79%

Interest

Depreciation

Profit before Tax

Tax %

28.74%

35.79%

18.64%

19.25%

25.89%

28.11%

24.99%

Net Profit

0.12

0.19

0.17

0.41

0.17

0.20

0.17

Mar 2023

Mar 2024

Mar 2025

TTM

106

187

616

1,986

175

596

1,922

Operating Profit

OPM %

6.69%

6.18%

3.31%

3.22%

Interest

Depreciation

Profit before Tax

Tax %

22.43%

19.04%

29.39%

24.86%

Net Profit

EPS

3.72

4.51

5.02

—

Dividend Payout %

0.00%

—

Mar 2023

Mar 2024

Mar 2025

Equity Capital

Minority Interest

Trade Payables

Total Liabilities

105

151

Cash & Bank

Total Assets

105

151

Mar 2023

Mar 2024

Mar 2025

-14

Cash from Investing

-9

-14

-29

Cash from Financing

Mar 2023

Mar 2024

Mar 2025

Mar 2023

Sep 2023

Mar 2024

Sep 2024

Mar 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

64.67

53.07

49.52

47.97

51.11

55.69

8.10

4.73

1.05

19.05

16.01

14.15

12.31

12.07

8.10

1.34

0.00

0.03

0.01

0.02

0.42

0.43

0.44

Government

0.00

25.89

29.25

34.28

27.85

34.45

36.31

39.29

36.39

35.77

MOS Utility Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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MOS Utility Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI