One Mobikwik Systems Limited (MOBIKWIK) AI Stock Analysis

• Market Cap: ₹14.61B
• Dividend Yield: N/A
• Average Volume (3M): 679.36K
• Price to Earnings (P/E): 111.5
• Beta (1Y): 2.40
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IN
• Employees: 663
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 78,730,260
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 5.1
• Revenue Forecast (FY): ₹16.80B

• Rating: 50 Neutral
• Price Target: ₹182.00 ▼(-19.27% Downside)
• Action: Reiterated Date: 03/31/26
• Date: Action: Reiterated 03/31/26

The score is held back primarily by weak profitability and cash-flow sustainability alongside balance-sheet leverage concerns. Technicals also remain bearish with the stock below major moving averages, while valuation is pressured by a very high P/E and no dividend yield provided. Revenue growth and strong gross margin provide partial support but are not yet translating into earnings or cash generation.

Positive Factors

Revenue growth & high gross margin

Sustained revenue expansion combined with high gross margins improves unit economics and creates durable operating leverage. Over a multi-month horizon this supports reinvestment in product and sales, underpinning a credible route to scale and eventual profitability if losses narrow.

Negative Factors

Ongoing negative EBIT and net income

Persistent operating and net losses limit the company’s ability to self-fund expansion and increase reliance on external capital. Over several months this undermines margin sustainability and raises execution risk: continued losses could force strategic trade-offs or dilution if profitability is not achieved.

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...

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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 through (1) payments-related revenues and (2) revenues from distributing financial products. Payments-related revenues typically include fees earned from merchants for enabling payment acceptance (e.g., payment gatew...

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MobiKwik primarily makes money through (1) payments-related revenues and (2) revenues from distributing financial products. Payments-related revenues typically include fees earned from merchants for enabling payment acceptance (e.g., payment gatew...

One Mobikwik Systems Limited Financial Statement Overview

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

• Technical Analysis Sentiment: Neutral
• Last Price: 225.45
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 176.94, above the 50-day MA of 194.13, and below the 200-day MA of 236.88, indicating a neutral trend. The MACD of -4.78 indicates Negative momentum. The RSI at 52.92 is Neutral, neither overbought nor oversold. The STOCH value of 90.66 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HATHWAY	60 Neutral	₹20.14B	25.35	―	―	3.88%	-3.40%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
VAKRANGEE	53 Neutral	₹7.03B	66.64	―	0.62%	17.25%	51.76%
MOBIKWIK	50 Neutral	₹14.61B	111.54	―	―	―	―
SATIN	47 Neutral	₹17.57B	5.50	―	―	11.09%	-66.54%
FINOPB	43 Neutral	₹11.28B	44.46	―	―	8.69%	-14.14%

One Mobikwik Systems Limited Corporate Events