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One Mobikwik Systems Limited (IN:MOBIKWIK)
:MOBIKWIK
India Market
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One Mobikwik Systems Limited (MOBIKWIK) AI Stock Analysis

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IN:MOBIKWIK

One Mobikwik Systems Limited

(MOBIKWIK)

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Neutral 56 (OpenAI - 4o)
Rating:56Neutral
Price Target:
₹285.00
▲(6.82% Upside)
The overall stock score is primarily influenced by financial performance and technical analysis. Strong revenue growth and positive technical indicators are offset by profitability challenges and high debt levels. The negative P/E ratio and lack of dividend yield further weigh on the stock's valuation.

One Mobikwik Systems Limited (MOBIKWIK) vs. iShares MSCI India ETF (INDA)

One Mobikwik Systems Limited Business Overview & Revenue Model

Company DescriptionOne Mobikwik Systems Limited (MOBIKWIK) is a leading fintech company based in India, specializing in digital payments and financial services. Founded in 2009, the company operates primarily in the digital wallet and payment gateway sectors, providing users with a platform to conduct online transactions, recharge mobile services, pay bills, and make purchases across various merchants. MOBIKWIK also offers services such as credit solutions and insurance products, catering to a diverse range of financial needs for both consumers and businesses.
How the Company Makes MoneyMOBIKWIK's revenue model is predominantly based on transaction fees charged to merchants for processing payments through its platform, as well as fees for value-added services like mobile recharges and bill payments. Additionally, the company generates income through interest earned on loans provided to users via its credit offerings, including the 'MobiKwik Zip' service. Partnerships with various merchants and financial institutions enhance their product offerings and broaden their user base, contributing significantly to their revenue. Moreover, advertising and promotional services within the app also provide an additional revenue stream, as businesses pay to promote their products and services to MOBIKWIK's extensive user network.

One Mobikwik Systems Limited Financial Statement Overview

Summary
One Mobikwik Systems Limited shows strong revenue growth and a solid gross profit margin, but struggles with profitability and cash flow sustainability. The balance sheet has improved in equity and stability, yet high debt levels remain a concern.
Income Statement
65
Positive
One Mobikwik Systems Limited has shown strong revenue growth, with a significant increase from 2024 to 2025. Gross profit margin remains high, indicating effective cost management. However, the company is struggling with profitability as evidenced by negative EBIT and net income in the most recent year.
Balance Sheet
55
Neutral
The debt-to-equity ratio has improved due to increased equity, suggesting better financial stability. However, the high level of debt remains a concern. The equity ratio has also improved, indicating a stronger financial position but still warrants attention to liabilities.
Cash Flow
50
Neutral
Cash flow from operations is negative, highlighting potential liquidity issues. The company is investing heavily, as seen in the negative free cash flow, but this is not yet translating into positive net income. The cash flow situation needs close monitoring.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue10.99B11.70B8.75B5.39B5.27B2.89B
Gross Profit4.30B10.00B7.68B4.53B4.48B2.41B
EBITDA-517.26M-793.99M659.10M-568.40M-1.17B-1.02B
Net Income-1.57B-1.22B140.79M-838.14M-1.28B-1.11B
Balance Sheet
Total Assets0.0013.60B8.55B7.14B8.36B4.23B
Cash, Cash Equivalents and Short-Term Investments9.69B11.00B2.01B996.70M1.64B834.19M
Total Debt0.002.92B2.23B2.06B1.58B605.93M
Total Liabilities-5.89B7.72B6.92B5.72B6.20B4.43B
Stockholders Equity5.89B5.89B1.63B1.43B2.17B-200.13M
Cash Flow
Free Cash Flow-109.53M-771.87M-276.99M255.62M-3.24B-351.15M
Operating Cash Flow-92.66M-681.63M-220.66M270.13M-3.21B-345.06M
Investing Cash Flow-208.78M-3.13B270.63M-6.78M-847.72M104.92M
Financing Cash Flow155.81M5.15B34.85M179.68M3.29B725.72M

One Mobikwik Systems Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price266.80
Price Trends
50DMA
268.60
Negative
100DMA
261.39
Positive
200DMA
297.62
Negative
Market Momentum
MACD
-1.99
Positive
RSI
45.78
Neutral
STOCH
16.52
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:MOBIKWIK, the sentiment is Negative. The current price of 266.8 is below the 20-day moving average (MA) of 270.42, below the 50-day MA of 268.60, and below the 200-day MA of 297.62, indicating a bearish trend. The MACD of -1.99 indicates Positive momentum. The RSI at 45.78 is Neutral, neither overbought nor oversold. The STOCH value of 16.52 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:MOBIKWIK.

One Mobikwik Systems Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (55)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
67
Neutral
₹23.97B24.553.88%-3.40%
63
Neutral
₹16.08B12.7710.96%-73.61%
61
Neutral
₹8.82B17.530.35%19.70%-75.69%
56
Neutral
₹20.88B111.19
55
Neutral
$13.29B17.4210.03%0.93%7.13%-12.93%
54
Neutral
₹9.29B122.220.57%17.25%51.76%
* Services Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:MOBIKWIK
One Mobikwik Systems Limited
265.55
-275.95
-50.96%
IN:FINOPB
FINO Payments Bank Ltd.
319.45
-44.00
-12.11%
IN:HATHWAY
Hathway Cable & Datacom Ltd.
13.78
-4.91
-26.27%
IN:SATIN
Satin Creditcare Network Ltd
146.95
-5.05
-3.32%
IN:SATINDLTD
Sat Industries Limited.
85.34
-34.84
-28.99%
IN:VAKRANGEE
Vakrangee Limited
8.76
-17.70
-66.89%

One Mobikwik Systems Limited Corporate Events

Mobikwik Invests ₹9.99 Crore in Financial Services Subsidiary
Oct 1, 2025

One Mobikwik Systems Limited has announced an investment of up to ₹9.99 crore in its wholly owned subsidiary, MobiKwik Financial Services Private Limited. This strategic move aims to enhance its capabilities in the non-banking financial sector, allowing the subsidiary to engage in various financial activities such as leasing and hire purchase. The investment underscores Mobikwik’s commitment to expanding its footprint in the financial services industry, potentially strengthening its market position and offering new opportunities for growth.

MobiKwik Announces Trading Window Closure Ahead of Financial Results
Sep 24, 2025

One Mobikwik Systems Limited has announced the closure of its trading window in compliance with SEBI’s insider trading regulations. This move, effective from October 1, 2025, will restrict trading in the company’s securities until 48 hours after the release of its unaudited financial results for the quarter and half-year ending September 30, 2025. This decision is part of the company’s efforts to ensure transparency and adherence to regulatory standards, impacting insiders and designated persons who are advised against dealing in the company’s equity shares during this period.

One Mobikwik Systems Limited Concludes 17th AGM with Key Resolutions Passed
Sep 16, 2025

One Mobikwik Systems Limited held its 17th Annual General Meeting (AGM) on September 16, 2025, where all proposed resolutions were passed with the requisite majority. Key outcomes include the re-appointment of Ms. Upasana Rupkrishan Taku as Director, the appointment of B S R and Co. as statutory auditors, and Surya Gupta & Associates as the Secretarial Auditor for a five-year term. Additionally, amendments to the MobiKwik Employee Stock Option Plan 2014 were approved, reflecting the company’s ongoing efforts to strengthen its governance and operational framework.

Mobikwik Releases Shareholders’ Letter for Q2 2025
Jul 31, 2025

One Mobikwik Systems Limited has released its Shareholders’ Letter for the quarter ending June 30, 2025. The letter, which is available on the company’s website, reflects the company’s ongoing commitment to simplifying finance and empowering users across India. This announcement underscores Mobikwik’s strong market presence and its role in the digital finance sector.

Mobikwik Reports Strong Q1 Growth and Strategic Appointments
Jul 31, 2025

One Mobikwik Systems Limited announced its financial results for the quarter ending June 30, 2025, highlighting a significant 32% growth in EBITDA. The company also approved the appointment of new auditors and the continuation of IPO proceeds utilization into the next fiscal year. These developments are poised to strengthen Mobikwik’s financial position and operational efficiency, potentially enhancing its market competitiveness.

MobiKwik Announces Strong Q1 Performance and Strategic Appointments
Jul 31, 2025

One Mobikwik Systems Limited’s board meeting on July 31, 2025, resulted in several key decisions, including the approval of unaudited financial results for the quarter ending June 30, 2025, and the appointment of new auditors, subject to shareholder approval. The company also plans to carry forward IPO proceeds to the next fiscal year and announced a record high in payments GMV and gross margin, alongside a 32% EBITDA growth in Q1 FY26, highlighting its strong financial performance and strategic positioning in the digital payments market.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 14, 2025