One Mobikwik Systems Limited AI Stock Analysis
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One Mobikwik Systems Limited (MOBIKWIK) AI Stock Analysis
One Mobikwik Systems Limited
(NSE:MOBIKWIK)
The score is primarily pressured by weak financial quality, led by negative operating/free cash flow and ongoing losses despite strong revenue growth. Technicals are supportive with clear upward momentum, but elevated RSI indicates potential overbought risk. Valuation is constrained by loss-making earnings (negative P/E) and the absence of a dividend yield.
One Mobikwik Systems Limited (MOBIKWIK) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 17.93B
- Dividend Yield
- ―
- Average Volume (3M)
- 317.86K
- Price to Earnings (P/E)
- 63.9
- Beta (1Y)
- 1.79
- Revenue Growth
- 6.39%
- EPS Growth
- ―
- Country
- India
- Employees
- 789
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Credit Services
One Mobikwik Systems Limited Business Overview & Revenue Model
Company Description
One Mobikwik Systems Limited operates primarily as a mobile financial technology enterprise. Its business is structured across three distinct divisions: Buy Now Pay Later (BNPL), Consumer Payments, and Payment Gateway. The BNPL segment offers accessi...
One Mobikwik Systems Limited Financial Statement Overview
Summary
Strong multi-year revenue growth and improved gross margin are outweighed by inconsistent profitability and, most importantly, persistently negative operating and free cash flow in 2024–2026. Balance sheet leverage looks manageable currently, but negative ROE and historical capital structure volatility reduce confidence.
Income Statement
48NeutralBalance Sheet
62PositiveCash Flow
34Negative| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 11.85B | 11.54B | 11.70B | 8.75B | 5.39B | 5.27B |
| Gross Profit | 6.62B | 5.56B | 4.62B | 7.68B | 2.96B | 2.20B |
| EBITDA | 670.73M | -207.88M | -805.50M | 659.10M | -568.40M | -1.17B |
| Net Income | 278.80M | -621.01M | -1.22B | 140.79M | -838.14M | -1.28B |
Balance Sheet | ||||||
| Total Assets | 15.83B | 14.09B | 13.60B | 8.55B | 7.14B | 8.36B |
| Cash, Cash Equivalents and Short-Term Investments | 9.89B | 4.36B | 11.00B | 2.01B | 996.70M | 1.64B |
| Total Debt | 3.60B | 2.76B | 2.92B | 2.23B | 2.06B | 1.58B |
| Total Liabilities | 10.16B | 8.70B | 7.72B | 6.92B | 5.72B | 6.20B |
| Stockholders Equity | 5.66B | 5.39B | 5.89B | 1.63B | 1.43B | 2.17B |
Cash Flow | ||||||
| Free Cash Flow | 0 | -559.95M | -771.87M | -276.99M | 255.62M | -3.24B |
| Operating Cash Flow | 0 | -455.01M | -681.63M | -220.66M | 270.13M | -3.21B |
| Investing Cash Flow | 0 | 483.42M | -3.13B | 270.63M | -6.78M | -847.72M |
| Financing Cash Flow | 0 | 231.09M | 5.15B | 34.85M | 179.68M | 3.29B |
One Mobikwik Systems Limited Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:MOBIKWIK, the sentiment is Positive. The current price of 227.05 is above the 20-day moving average (MA) of 222.03, above the 50-day MA of 214.50, and above the 200-day MA of 203.54, indicating a bullish trend. The MACD of 2.31 indicates Negative momentum. The RSI at 54.54 is Neutral, neither overbought nor oversold. The STOCH value of 62.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:MOBIKWIK.
One Mobikwik Systems Limited Peers Comparison
Overall Rating
IN:BAJFINANCE75Outperform
IN:IIFL72Outperform
IN:POONAWALLA60Neutral
IN:PAISALO58.5Neutral
IN:SBICARD52Neutral- IN:MOBIKWIK48Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:BAJFINANCE | 75Outperform | INR 6.92T | 32.02 | ― | 0.54% | 18.79% | 18.22% |
| IN:IIFL | 72Outperform | INR 282.91B | 10.94 | ― | 0.62% | 36.50% | 190.08% |
| IN:POONAWALLA | 60Neutral | INR 434.15B | 37.76 | ― | ― | 77.08% | 358.18% |
| IN:PAISALO | 59Neutral | INR 73.81B | 26.45 | ― | 0.13% | 23.67% | 26.77% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IN:SBICARD | 52Neutral | INR 560.52B | 21.11 | ― | 0.43% | 6.46% | 35.94% |
| IN:MOBIKWIK | 48Neutral | INR 18.22B | 63.89 | ― | ― | 6.39% | ― |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:MOBIKWIK | One Mobikwik Systems Limited | 227.05 | -30.15 | -11.72% | |
| IN:BAJFINANCE | Bajaj Finance Limited | 1115.20 | 95.02 | 9.31% | |
| IN:IIFL | IIFL Finance Limited | 641.45 | 83.78 | 15.02% | |
| IN:PAISALO | Paisalo Digital Ltd. | 77.29 | 43.17 | 126.54% | |
| IN:POONAWALLA | Poonawalla Fincorp Limited | 484.65 | 16.05 | 3.43% | |
| IN:SBICARD | SBI Cards & Payment Services Ltd | 588.00 | -297.84 | -33.62% |
One Mobikwik Systems Limited Corporate Events
Mobikwik Discloses Promoter Share Acquisition Under SEBI Insider Trading Norms
One Mobikwik Systems Limited has notified the National Stock Exchange of India and BSE of a disclosure under Regulation 7(2) of the SEBI Prohibition of Insider Trading Regulations, 2015. The filing relates to a report received from promoter and execu...
Mobikwik Independent Director Raghu Ram Venkatesh Resigns Citing Other Commitments
One Mobikwik Systems Limited announced that Non-Executive Independent Director Raghu Ram Hiremagalur Venkatesh has resigned from the board with immediate effect, citing pre-occupation with other professional commitments. The company noted that he has...
Mobikwik Set to Benefit as NPCI Imposes MDR on High-Value UPI Merchant Payments
The National Payments Corporation of India has introduced a Merchant Discount Rate of up to 0.4% on UPI person-to-merchant transactions above ₹2,000, effective October 15, 2026. While UPI payments will remain free for customers, the new charge will a...
Mobikwik Publishes FY 2025–26 Annual Report and Sets Virtual AGM for September 22, 2026
One Mobikwik Systems Limited has released its Annual Report for the 2025–26 financial year, including the Business Responsibility and Sustainability Report, and circulated these documents electronically to shareholders with registered email addresses...
MobiKwik Files FY 2025-26 Business Responsibility and Sustainability Report
One MobiKwik Systems Limited has submitted its Business Responsibility and Sustainability Report for FY 2025-26 to the National Stock Exchange of India and BSE, in line with SEBI’s listing obligations. The report forms part of the company’s annual re...
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: Oct 07, 2026