One Mobikwik Systems Limited (IN:MOBIKWIK)
:MOBIKWIK
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One Mobikwik Systems Limited
(MOBIKWIK)
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Rating:59Neutral
Price Target:
₹235.00
▲(4.24% Upside)
Action:ReiteratedDate:04/28/26
The score is driven primarily by mixed financial performance: strong revenue growth but ongoing losses and negative operating cash flow. Technicals are supportive with a clear uptrend and positive momentum, but the high P/E valuation meaningfully caps the overall score.
Positive Factors
Revenue Growth Momentum
Consistent, material revenue growth indicates expanding user adoption and higher transaction volumes on MobiKwik's platform. Over a 2-6 month horizon this durable top-line expansion supports scale economics, increases cross-sell opportunities for financial products, and underpins longer-term monetization potential.
Negative Factors
Negative Operating Cash Flow
Persistent negative operating and free cash flow show core operations are not self-funding, creating ongoing dependence on external financing. This structural cash burn raises liquidity and dilution risk, constrains reinvestment capacity, and can pressure strategic execution if funding conditions tighten.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Momentum
Consistent, material revenue growth indicates expanding user adoption and higher transaction volumes on MobiKwik's platform. Over a 2-6 month horizon this durable top-line expansion supports scale economics, increases cross-sell opportunities for financial products, and underpins longer-term monetization potential.
Read all positive factors
One Mobikwik Systems Limited (MOBIKWIK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹16.95B
Dividend YieldN/A
Average Volume (3M)679.36K
Price to Earnings (P/E)111.5
Beta (1Y)2.38
Revenue GrowthN/A
EPS GrowthN/A
CountryIN
Employees663
SectorServices
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)N/A
Shares Outstanding78,730,260
10 Day Avg. Volume198,043
30 Day Avg. Volume679,355
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)3.10
Price to Sales (P/S)1.56
P/FCF Ratio-23.64
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)5.1
Revenue Forecast (FY)₹16.80B
One Mobikwik Systems Limited Business Overview & Revenue Model
Company Description
One 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...
How the Company Makes Money
MobiKwik primarily makes money by monetizing payment flows and by distributing financial products to its user and merchant base. Key revenue streams typically include: (1) Payments-related revenue: fees and commissions linked to facilitating trans...
One Mobikwik Systems Limited Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
55
Neutral
Cash Flow
50
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.79B | 11.70B | 8.75B | 5.39B | 5.27B | 2.89B |
| Gross Profit | 3.63B | 4.62B | 7.68B | 2.96B | 2.20B | 896.71M |
| EBITDA | -1.39B | -805.50M | 659.10M | -568.40M | -1.17B | -1.02B |
| Net Income | -1.82B | -1.22B | 140.79M | -838.14M | -1.28B | -1.11B |
Balance Sheet | ||||||
| Total Assets | 13.98B | 13.60B | 8.55B | 7.14B | 8.36B | 4.23B |
| Cash, Cash Equivalents and Short-Term Investments | 10.80B | 11.00B | 2.01B | 996.70M | 1.64B | 834.19M |
| Total Debt | 3.41B | 2.92B | 2.23B | 2.06B | 1.58B | 605.93M |
| Total Liabilities | 8.75B | 7.72B | 6.92B | 5.72B | 6.20B | 4.43B |
| Stockholders Equity | 5.23B | 5.89B | 1.63B | 1.43B | 2.17B | -200.13M |
Cash Flow | ||||||
| Free Cash Flow | -1.87B | -771.87M | -276.99M | 255.62M | -3.24B | -351.15M |
| Operating Cash Flow | -1.84B | -681.63M | -220.66M | 270.13M | -3.21B | -345.06M |
| Investing Cash Flow | 80.11M | -3.13B | 270.63M | -6.78M | -847.72M | 104.92M |
| Financing Cash Flow | 319.87M | 5.15B | 34.85M | 179.68M | 3.29B | 725.72M |
One Mobikwik Systems Limited Technical Analysis
Neutral
225.45
Price Trends
194.14
Positive
211.63
Negative
236.04
Negative
Market Momentum
1.43
Negative
64.07
Neutral
91.42
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:MOBIKWIK, the sentiment is Neutral. The current price of 225.45 is above the 20-day moving average (MA) of 179.82, above the 50-day MA of 194.14, and below the 200-day MA of 236.04, indicating a neutral trend. The MACD of 1.43 indicates Negative momentum. The RSI at 64.07 is Neutral, neither overbought nor oversold. The STOCH value of 91.42 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:MOBIKWIK.
One Mobikwik Systems Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
63 Neutral | ₹19.36B | 5.50 | ― | ― | 9.71% | -34.33% | |
59 Neutral | ₹16.95B | 111.54 | ― | ― | ― | ― | |
58 Neutral | ₹19.51B | 19.28 | ― | ― | 5.39% | -11.80% | |
55 Neutral | $13.29B | 17.42 | 10.03% | 0.93% | 7.13% | -12.93% | |
53 Neutral | ₹7.48B | 66.64 | ― | 0.62% | 6.30% | 84.86% | |
50 Neutral | ₹10.48B | 44.46 | ― | ― | -14.03% | -43.34% |
* Services Sector Average
IN:MOBIKWIK
One Mobikwik Systems Limited
215.30
-33.15
-13.34%
IN:FINOPB
FINO Payments Bank Ltd.
125.90
-115.30
-47.80%
IN:HATHWAY
Hathway Cable & Datacom Ltd.
11.02
-2.62
-19.21%
IN:SATIN
Satin Creditcare Network Ltd
176.05
11.00
6.66%
IN:VAKRANGEE
Vakrangee Limited
6.91
-2.87
-29.35%
One Mobikwik Systems Limited Corporate Events
Mobikwik appoints veteran risk executive Anis Pathan as Chief Risk Officer
Mar 19, 2026
One Mobikwik Systems Limited’s board has approved the appointment of Anis Pathan as Chief Risk Officer and Senior Management Personnel, effective March 19, 2026. The move follows recommendations from the Nomination and Remuneration Committee...
Mobikwik Subsidiary Cleared to Start Trading Member Operations on BSE
Feb 23, 2026
One Mobikwik Systems Limited has announced that its wholly owned subsidiary, Mobikwik Securities Broking Private Limited, has received approval to commence business as a trading member on BSE Limited. This regulatory milestone, following earlier i...
MobiKwik Wins BSE Nod to Launch Stock Broking Business
Feb 23, 2026
MobiKwik Securities Broking Private Limited, the wholly owned broking arm of One MobiKwik Systems Ltd., has received approval from BSE to commence stock broking operations from February 24, 2026. This follows earlier registration from SEBI in July...
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.