Incorporated in 2009, One Mobikwik SystemsLtd is a digital banking platform which offersa wide range of financial products for both consumers and merchants[1]
Business Overview:[1]OMSL operates a tech-first application based business that provides payments and digital financial services to consumers and merchants through its MobiKwik platform. This platform business has a two-sided payments network, consisting of consumers and merchants. It has acquired 161.03 million Registered Users and enabled 4.26 million Merchants to make and accept payments online and offline. Company added newer products to its digital credit, investments, and insurance verticals.
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | One 97 | 1340.10 | 789.99 | 85729.97 | 0.00 | 21.00 | 149.74 | 2061.00 | 24.23 | -10.14 | 7718.30 | -1.29 | 108.52 | 202.00 | 5.58 | -7.31 | 0.01 |
| 2. | PB Fintech. | 1772.00 | 177.60 | 81985.96 | 0.00 | 134.89 | 166.15 | 1613.55 | 38.24 | 5.90 | 5761.03 | 4.73 | 461.62 | 134.86 | 12.02 | 4.42 | 0.05 |
| 3. | Pine Labs | 237.08 | – | 27223.34 | 0.00 | 5.97 | 118.65 | 649.90 | 17.83 | -0.49 | 2274.27 | 9.60 | -114.13 | 5.97 | – | -1.12 | 0.23 |
| 4. | Infibeam Avenues | 16.53 | 24.29 | 5747.55 | 0.00 | 67.65 | 50.94 | 1964.91 | 93.27 | 8.65 | 5475.99 | 5.74 | 236.64 | 66.52 | 1.11 | 4.59 | 0.02 |
| 5. | Seshaasai Tech. | 279.10 | 20.99 | 4516.00 | 0.00 | 57.88 | -10.91 | 351.35 | -10.98 | 36.54 | 1462.21 | 24.62 | 222.21 | 57.88 | 3.52 | 20.96 | 0.26 |
| 6. | One Mobikwik | 228.61 | – | 1798.21 | 0.00 | -26.98 | -420.62 | 268.30 | -7.34 | -13.13 | 1071.90 | -14.94 | -163.06 | -15.15 | 3.31 | -10.83 | 0.69 |
| 7. | MOS Utility | 23.70 | 39.14 | 610.13 | 0.00 | 9.26 | 54.33 | 315.81 | 2.46 | 19.20 | 624.06 | 4.22 | 15.59 | 8.38 | 6.48 | 9.41 | 0.53 |
| – | Median: 8 Co. | 232.85 | 31.95 | 5131.77 | 0.0 | 15.13 | 52.63 | 500.62 | 21.03 | 7.28 | 1868.24 | 5.24 | 62.05 | 33.13 | 4.55 | 4.5 | 0.24 |
Standalone figures in ₹ crores
| Dec 2023 | Dec 2024 | Jun 2024 | Jun 2025 | Mar 2024 | Mar 2025 | Sep 2023 | Sep 2024 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|
Sales | 227 | 268 | 341 | 270 | 263 | 266 | 201 | 290 | 268 |
Expenses | 218 | 315 | 347 | 311 | 268 | 323 | 194 | 287 | 283 |
Operating Profit | 9 | -47 | -6 | -41 | -5 | -57 | 8 | 2 | -15 |
Other Income | 3 | 7 | 4 | 13 | 7 | 13 | 5 | 6 | -1 |
Profit before tax | 5 | -51 | -11 | -40 | -5 | -56 | 6 | -3 | -27 |
Tax % | 0% | 2% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Net Profit | 5 | -52 | -11 | -40 | -5 | -56 | 6 | -3 | -27 |
EPS in Rs | 0.95 | -6.74 | -1.99 | -5.10 | -0.86 | -7.17 | 1.03 | -0.51 | -3.43 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|
Sales | 306 | 271 | 487 | 526 | 867 | 1,164 | 1,072 |
Expenses | 416 | 391 | 621 | 604 | 848 | 1,271 | 1,232 |
Operating Profit | -111 | -120 | -134 | -79 | 19 | -107 | -160 |
Other Income | 22 | 21 | 19 | 21 | 17 | 30 | 33 |
Interest | 10 | 7 | 10 | 21 | 22 | 31 | 33 |
Depreciation | 3 | 1 | 2 | 4 | 4 | 13 | 14 |
Profit before tax | -102 | -108 | -128 | -83 | 9 | -121 | -174 |
Net Profit | -102 | -108 | -128 | -83 | 9 | -122 | -175 |
EPS in Rs | -1,016.12 | -1,071.34 | -22.38 | -14.44 | 1.56 | -15.75 | -22.44 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | – |
Standalone figures in ₹ crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|
Equity Capital | 1 | 1 | 11 | 11 | 11 | 16 | 16 |
Reserves | -29 | -15 | 225 | 153 | 167 | 588 | 527 |
Borrowings | 90 | 70 | 151 | 224 | 259 | 332 | 375 |
Other Liabilities | 270 | 360 | 432 | 351 | 433 | 458 | 506 |
Total Liabilities | 332 | 416 | 819 | 740 | 870 | 1,394 | 1,423 |
Fixed Assets | 5 | 1 | 9 | 15 | 16 | 25 | 22 |
Gross Block | 7.80 | 1.89 | 12.27 | 21.77 | 27.37 | 49.65 | – |
Accumulated Depreciation | 2.66 | 0.97 | 2.99 | 7.25 | 11.55 | 24.33 | – |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 9 | 42 | 53 | 63 | 66 | 68 | 70 |
Other Assets | 318 | 374 | 757 | 662 | 788 | 1,301 | 1,331 |
Total Assets | 332 | 416 | 819 | 740 | 870 | 1,394 | 1,423 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
Cash from Operating Activity | -22 | -37 | -321 | 17 | -25 | -62 |
Cash from Investing Activity | 20 | 8 | -83 | -26 | 23 | -315 |
Cash from Financing Activity | -23 | 73 | 330 | 36 | 18 | 515 |
Net Cash Flow | -25 | 43 | -74 | 28 | 16 | 137 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
Debtor Days | 20 | 43 | 27 | 52 | 34 | 17 |
Inventory Days | – | – | – | – | – | – |
Days Payable | – | – | – | – | – | – |
Cash Conversion Cycle | 20 | 43 | 27 | 52 | 34 | 17 |
Working Capital Days | -284 | -388 | -240 | -249 | -134 | -167 |
ROCE % | – | -170% | -50% | -16% | 8% | -13% |
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Stock Analysis
One MobiKwik Systems Ltd is a digital banking platform that offers a wide range of financial products and services for both consumers and merchants through its MobiKwik platform.
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