One Mobikwik Systems Limited (MOBIKWIK) AI Stock Analysis

• Market Cap: ₹20.88B
• Dividend Yield: N/A
• Average Volume (3M): 679.36K
• Price to Earnings (P/E): 111.2
• Beta (1Y): 3.30
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IN
• Employees: N/A
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Credit Services
• EPS (TTM): -5.40
• Shares Outstanding: 78,658,455
• 10 Day Avg. Volume: 198,043
• 30 Day Avg. Volume: 679,355
• PEG Ratio: 0.02
• Price to Book (P/B): 3.10
• Price to Sales (P/S): 1.56
• P/FCF Ratio: -23.64
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 56 Neutral
• 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 Business Overview & Revenue Model

Company Description

One 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 Money

MOBIKWIK'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

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	10.99B	11.70B	8.75B	5.39B	5.27B	2.89B
Gross Profit	4.30B	10.00B	7.68B	4.53B	4.48B	2.41B
EBITDA	-517.26M	-793.99M	659.10M	-568.40M	-1.17B	-1.02B
Net Income	-1.57B	-1.22B	140.79M	-838.14M	-1.28B	-1.11B
Balance Sheet
Total Assets	0.00	13.60B	8.55B	7.14B	8.36B	4.23B
Cash, Cash Equivalents and Short-Term Investments	9.69B	11.00B	2.01B	996.70M	1.64B	834.19M
Total Debt	0.00	2.92B	2.23B	2.06B	1.58B	605.93M
Total Liabilities	-5.89B	7.72B	6.92B	5.72B	6.20B	4.43B
Stockholders Equity	5.89B	5.89B	1.63B	1.43B	2.17B	-200.13M
Cash Flow
Free Cash Flow	-109.53M	-771.87M	-276.99M	255.62M	-3.24B	-351.15M
Operating Cash Flow	-92.66M	-681.63M	-220.66M	270.13M	-3.21B	-345.06M
Investing Cash Flow	-208.78M	-3.13B	270.63M	-6.78M	-847.72M	104.92M
Financing Cash Flow	155.81M	5.15B	34.85M	179.68M	3.29B	725.72M

One Mobikwik Systems Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 266.80
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HATHWAY	67 Neutral	₹23.97B	24.55	―	―	3.88%	-3.40%
SATIN	63 Neutral	₹16.08B	12.77	―	―	10.96%	-73.61%
SATINDLTD	61 Neutral	₹8.82B	17.53	―	0.35%	19.70%	-75.69%
MOBIKWIK	56 Neutral	₹20.88B	111.19	―	―	―	―
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
VAKRANGEE	54 Neutral	₹9.29B	122.22	―	0.57%	17.25%	51.76%

One Mobikwik Systems Limited Corporate Events

Mobikwik Invests ₹9.99 Crore in Financial Services Subsidiary

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

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

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

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

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

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.