MOS Utility Ltd.

•

mos-world.comBSE: -NSE: MOS

Market Cap₹ 170 Cr.

Current Price

High / Low₹ 29 / 7

Stock P/E10.6

Book Value₹ 5

Price to Book7.62

Dividend Yield0.00 %

ROCE20.3 %

ROE14.1 %

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%

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PROS

Company has a healthy return on capital (ROCE) of 25.1%
Company has a good return on equity (ROE) track record: 3 Years ROE 22.3%
Company has delivered good sales growth of 18.7% CAGR over last 5 years
Strong cash generation - operating cash flow backs reported profits (CFO/PAT 1.02x)
Company comfortably covers its interest (12.7x coverage)
Attractively priced for its growth - PEG of 0.2

CONS

Promoter holding has decreased over last 2 years: -9.0pp
Total debt has risen sharply - up 895.3% year on year
Stock is trading at 7.6x its book value
Rich enterprise valuation - EV/EBITDA of 30.6x

* 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	194.60	50.04	122084.19	0.00	7350.40	—	15014.20	1560.13	37.54	64.60
2.	PAYTM	1752.25	172.96	112425.73	0.00	220.00	79.59	2448.00	27.67	3.87	8.29
3.	POLICYBZR	1799.30	111.26	83252.69	0.00	1629.10	1824.51	18882.80	1300.81	10.84	7.24
4.	PINELABS	175.10	158.72	20204.06	0.00	195.70	3985.59	7369.20	1096.47	4.21	12.88
5.	STYL	388.55	23.83	6286.97	0.64	60.34	63.78	376.47	21.10	28.03	23.21
6.	CCAVENUE	15.41	18.33	5387.98	0.00	84.77	45.08	2680.40	109.37	7.98	3.80
7.	TURTLEMINT	134.55	0.00	3962.21	0.00	-377.80	—	2940.80	—	-38.38	-11.20
8.	MOBIKWIK	195.30	0.00	1537.93	0.00	7.62	118.17	281.48	3.73	8.02	2.88
9.	MOS	6.60	9.39	169.91	0.00	43.61	961.07	1510.93	845.26	22.52	4.35
10.	SUVIDHAA	2.43	0.00	50.98	0.00	-1.91	55.58	2.40	135.29	-32.85	-70.42

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	58	58	72	65	57	49	52
	53	51	69	59	51	43	48
Operating Profit	5	7	3	5	6	6	3
OPM %	8.89%	11.66%	4.74%	8.46%	10.30%	12.67%	6.73%
	0	2	2	2	2	2	1
Interest	1	1	1	1	1	1	1
Depreciation	1	2	1	1	1	1	1
Profit before Tax	4	6	5	5	6	5	5
Tax %	30.62%	36.66%	19.55%	24.00%	24.01%	20.52%	25.33%
Net Profit	3	4	4	4	4	4	4
	0.10	0.16	0.16	0.31	0.16	0.17	0.14

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	88	68	77	106	175	208	688
	88	66	76	99	165	191	635
Operating Profit	0	2	2	7	10	17	52
OPM %	0.45%	2.28%	2.26%	6.69%	5.64%	8.28%	7.61%
	3	0	4	4	6	4	19
Interest	1	0	1	1	1	1	17
Depreciation	2	1	1	2	2	3	11
Profit before Tax	1	1	3	7	13	16	65
Tax %	52.28%	-63.18%	-8.25%	22.43%	20.42%	31.30%	24.72%
Net Profit	1	1	3	6	10	11	49
EPS	0.71	0.46	3.36	3.72	4.20	4.50	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: 19%
3 Years:: 39%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 81%
3 Years:: 51%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: 20%
1 Year:: -40%

RETURN ON EQUITY

10 Years:: —
5 Years:: 24%
3 Years:: 22%
Last Year:: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	0	0	0	19	25	25
	6	7	9	7	49	61
	5	8	12	17	1	15
Trade Payables	2	1	5	5	2	3
	14	9	9	4	8	13
Total Liabilities	27	25	36	52	85	116
	5	4	6	9	11	15
Capital Work in Progress	0	1	5	0	0	0
	0	0	3	12	18	21
	0	0	1	0	1	0
	0	0	0	0	7	2
Cash & Bank	0	1	1	1	9	22
	21	18	20	30	39	56
Total Assets	27	25	36	52	85	116

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-7	-0	6	5	-12	36
Cash from Investing	-0	-1	-10	-9	-11	-34
Cash from Financing	5	2	4	5	30	11
	-2	1	-1	1	8	13

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2020	Mar 2021	Mar 2022	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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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

MOS

6.60

9.39

169.91

0.00

43.61

961.07

1510.93

845.26

22.52

4.35

SUVIDHAA

2.43

0.00

50.98

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

Operating Profit

OPM %

8.89%

11.66%

4.74%

8.46%

10.30%

12.67%

6.73%

Interest

Depreciation

Profit before Tax

Tax %

30.62%

36.66%

19.55%

24.00%

24.01%

20.52%

25.33%

Net Profit

0.10

0.16

0.31

0.16

0.17

0.14

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

TTM

106

175

208

688

165

191

635

Operating Profit

OPM %

0.45%

2.28%

2.26%

6.69%

5.64%

8.28%

7.61%

Interest

Depreciation

Profit before Tax

Tax %

52.28%

-63.18%

-8.25%

22.43%

20.42%

31.30%

24.72%

Net Profit

EPS

0.71

0.46

3.36

3.72

4.20

4.50

—

Dividend Payout %

0.00%

—

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Equity Capital

Trade Payables

Total Liabilities

116

Capital Work in Progress

Cash & Bank

Total Assets

116

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

-7

-0

-12

Cash from Investing

-0

-1

-10

-9

-11

-34

Cash from Financing

-2

-1

Mar 2020

Mar 2021

Mar 2022

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

Sign in to Chat with AI

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