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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 58 (OpenAI - 4o)
Rating:58Neutral
Price Target:
₹338.00
▲(18.18% Upside)
The overall stock score is primarily influenced by strong technical momentum, despite financial performance challenges and a weak valuation. The company's revenue growth and improved balance sheet are positive, but high debt and negative profitability weigh heavily. The lack of earnings call and corporate events data limits further insights.

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

One Mobikwik Systems Limited Business Overview & Revenue Model

Company DescriptionOne Mobikwik Systems Ltd. operates as a mobile wallet company. It operates through the following segments: Buy Now Pay Later (BNPL), Consumer Payments, and Payment Gateway. The BNPL segment provides accessible and affordable small-ticket credit to middle class for daily life payments as well as discretionary spend. The Consumer Payments offers mobile payment app MobiKwik Wallet. It acquires large set of users and create a large acceptance network. The Payment Gateway offers Zaakpay, a payment gateway aggregator and provides end-to-end payment processing solutions to online merchants through an extensive choice of payment modes including credit and debit cards, UPI, net banking, mobile wallets and BNPL credit. The company was founded by Bipin Preet Singh and Upasana Rupkrishan Taku in 2009 and is headquartered in Gurugram, India.
How the Company Makes MoneyMobikwik generates revenue primarily through transaction fees and service charges associated with its digital wallet and payment gateway services. The company earns a percentage from each transaction processed through its platform, whether it involves bill payments, mobile recharges, or purchases at affiliated merchants. Additionally, Mobikwik offers financial services such as lending and insurance products, expanding its revenue streams. Partnerships with banks, financial institutions, and a wide network of merchants further bolster its earnings by enabling seamless integrations and expanding its user base.

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 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
₹24.91B23.952.11%4.19%10.32%
63
Neutral
₹15.93B13.217.32%10.96%-73.61%
61
Neutral
₹9.88B19.707.58%0.32%19.70%-75.69%
58
Neutral
₹21.25B111.19
55
Neutral
₹8.78B115.533.29%0.62%22.93%22.73%
55
Neutral
$13.29B17.4210.03%0.93%7.13%-12.93%
* Services Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:MOBIKWIK
One Mobikwik Systems Limited
286.00
-255.50
-47.18%
IN:FINOPB
FINO Payments Bank Ltd.
288.35
-104.35
-26.57%
IN:HATHWAY
Hathway Cable & Datacom Ltd.
14.23
-4.90
-25.61%
IN:SATIN
Satin Creditcare Network Ltd
151.30
-26.85
-15.07%
IN:SATINDLTD
Sat Industries Limited.
92.58
-24.16
-20.70%
IN:VAKRANGEE
Vakrangee Limited
8.18
-19.53
-70.48%

One Mobikwik Systems Limited Corporate Events

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: Sep 09, 2025