One Mobikwik Systems Limited (IN:MOBIKWIK)
:MOBIKWIK
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One Mobikwik Systems Limited
(MOBIKWIK)
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Rating:45Neutral
Price Target:
₹188.00
▼(-16.61% Downside)
Action:Reiterated
Date:05/15/26
The score is primarily held back by weak financial quality—especially persistently negative operating/free cash flow and recent net losses—despite strong revenue growth and improved gross margin. Technicals also lean weak with the stock trading below key longer-term moving averages. Valuation is pressured by loss-making earnings and no dividend support in the provided data.
Positive Factors
Revenue Scale & Growth
Sustained multi-year revenue scaling to ~11.5B implies the platform has achieved material transactional scale and user/merchant traction. Scale supports network effects, improves bargaining with partners, and creates enduring opportunities to increase monetization through payments and financial-product distribution.
Negative Factors
Negative Cash Generation
Persistent negative operating and free cash flow over multiple years indicates the business is not reliably converting revenue into cash. That increases dependence on external financing, constrains reinvestment and margin-improvement initiatives, and elevates execution and liquidity risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Scale & Growth
Sustained multi-year revenue scaling to ~11.5B implies the platform has achieved material transactional scale and user/merchant traction. Scale supports network effects, improves bargaining with partners, and creates enduring opportunities to increase monetization through payments and financial-product distribution.
Read all positive factors
One Mobikwik Systems Limited (MOBIKWIK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹15.21B
Dividend YieldN/A
Average Volume (3M)679.36K
Price to Earnings (P/E)69.2
Beta (1Y)2.46
Revenue Growth-3.15%
EPS Growth57.10%
CountryIN
Employees663
SectorServices
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-27.42
Shares Outstanding78,730,260
10 Day Avg. Volume198,043
30 Day Avg. Volume679,355
Financial Highlights & Ratios
PEG Ratio0.32
Price to Book (P/B)2.25
Price to Sales (P/S)1.05
P/FCF Ratio-21.69
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)5.3
Revenue Forecast (FY)₹15.60B
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
48
Neutral
Balance Sheet
62
Positive
Cash Flow
34
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.79B | 11.54B | 11.70B | 8.75B | 5.39B | 5.27B |
| Gross Profit | 3.63B | 5.56B | 4.62B | 7.68B | 2.96B | 2.20B |
| EBITDA | -1.39B | -207.88M | -805.50M | 659.10M | -568.40M | -1.17B |
| Net Income | -1.82B | -621.01M | -1.22B | 140.79M | -838.14M | -1.28B |
Balance Sheet | ||||||
| Total Assets | 13.98B | 14.09B | 13.60B | 8.55B | 7.14B | 8.36B |
| Cash, Cash Equivalents and Short-Term Investments | 10.80B | 8.93B | 11.00B | 2.01B | 996.70M | 1.64B |
| Total Debt | 3.41B | 2.76B | 2.92B | 2.23B | 2.06B | 1.58B |
| Total Liabilities | 8.75B | 8.70B | 7.72B | 6.92B | 5.72B | 6.20B |
| Stockholders Equity | 5.23B | 5.39B | 5.89B | 1.63B | 1.43B | 2.17B |
Cash Flow | ||||||
| Free Cash Flow | -1.87B | -559.95M | -771.87M | -276.99M | 255.62M | -3.24B |
| Operating Cash Flow | -1.84B | -455.01M | -681.63M | -220.66M | 270.13M | -3.21B |
| Investing Cash Flow | 80.11M | 483.42M | -3.13B | 270.63M | -6.78M | -847.72M |
| Financing Cash Flow | 319.87M | 231.09M | 5.15B | 34.85M | 179.68M | 3.29B |
One Mobikwik Systems Limited Technical Analysis
Negative
225.45
Price Trends
193.11
Positive
204.43
Negative
230.29
Negative
Market Momentum
-1.56
Positive
44.92
Neutral
23.34
Neutral
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 225.45 is above the 20-day moving average (MA) of 206.64, above the 50-day MA of 193.11, and below the 200-day MA of 230.29, indicating a neutral trend. The MACD of -1.56 indicates Positive momentum. The RSI at 44.92 is Neutral, neither overbought nor oversold. The STOCH value of 23.34 is Neutral, 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹23.06B | 2.37 | ― | ― | 22.27% | 78.47% | |
58 Neutral | ₹17.95B | 36.96 | ― | ― | 5.39% | -11.80% | |
57 Neutral | ₹7.06B | 46.80 | ― | 0.62% | -0.10% | 54.55% | |
55 Neutral | $13.29B | 17.42 | 10.03% | 0.93% | 7.13% | -12.93% | |
50 Neutral | ₹10.34B | 34.74 | ― | ― | -14.03% | -43.34% | |
45 Neutral | ₹15.21B | 69.23 | ― | ― | -3.15% | 57.10% |
* Services Sector Average
IN:MOBIKWIK
One Mobikwik Systems Limited
193.15
-78.40
-28.87%
IN:FINOPB
FINO Payments Bank Ltd.
124.30
-120.40
-49.20%
IN:HATHWAY
Hathway Cable & Datacom Ltd.
10.14
-5.18
-33.81%
IN:SATIN
Satin Creditcare Network Ltd
209.65
50.80
31.98%
IN:VAKRANGEE
Vakrangee Limited
6.52
-4.08
-38.49%
One Mobikwik Systems Limited Corporate Events
Mobikwik Shares FY26 Results Through Investor Presentation and Earnings Call
May 12, 2026
One Mobikwik Systems Limited has released an investor presentation detailing its financial results for the quarter and full year ended March 31, 2026, which will be discussed in an earnings call with analysts and investors. The company has also ma...
Mobikwik Updates Fair Disclosure Code to Align With SEBI Insider Trading Rules
May 12, 2026
One Mobikwik Systems Limited has informed Indian stock exchanges that its board of directors has approved amendments to the company’s Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information. The revise...
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.