MOBIKWIKFinancial Services

One Mobikwik Systems Limited

Financial Technology (Fintech) · ISIN INE0HLU01028 · BSE 544305 · NSE EQ · FV ₹2
Last price
₹199
+0.14%today
What this company does

One Mobikwik Systems Limited operates in Financial Technology (Fintech), part of the Financial Services sector. It booked ₹281 cr of revenue in its latest quarter (Q1 FY27) and kept 2.7% of sales as profit. It is the 8th largest of 9 Financial Technology (Fintech) companies we track, by market value.

37out of 100
Equitytale Health Score
Strained

Healthier than 37% of companies in Financial Services, on the 3 of 6 measures we could read for it. Each measure is ranked against the 54–250 companies that reported it.

Measures financial condition, not whether to buy. Learn what this score means · How this is calculated

Price momentum
neutral
RSI (14)
51

At close. Not part of the score.

Profitability & returns27

How much profit it earns on the money it employs

Valuation18

What today's price implies, against our models or its peers

Governance & risk86

How much of the promoters' stake is pledged, and how much they hold

Not measurable for this company: balance sheet, cash quality, growth & consistency. Those pillars are left out of the score rather than counted as zero.

Is this company doing well?
not investment advice
Strengths
Makes a profit
No promoter shares pledged
Watch-outs
! Thin 2.7% net margin
! Low 5.7% return on equity
! Operating cash flow is negative

What if I invest in MOBIKWIK?

Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.

You would put in
₹12.00 lakh
120 instalments
At 10% a year, it would become
₹20.15 lakh

The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.

Key ratios · latest quarter + price
₹199 +0.14%
latest close · 2026-09-17
52-wk low ₹18442 sessions so far52-wk high ₹223
Is it cheap or expensive?
What you pay for the profits, book value and cash flow. Higher isn't automatically worse — it can signal faster growth.
P/E ratio51.2High
LowAverageHigh
P/B ratio2.90Moderate
Below bookModerateHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity5.7%Weak
WeakFairStrong ▸15%
Return on capital8.8%Fair
WeakFairStrong
Net margin2.7%Thin
ThinDecentStrong
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity0.48Comfortable
LowModerateHigh ▸1
Current ratio1.47Healthy
Tight ◂1HealthyAmple
More figures
Market cap
₹1,564 cr
Book value
₹68
EPS
₹0.97
latest quarter
Net debt
Enterprise value
EBITDA
EBIT
Operating margin
Return on assets
2.2%
Earnings yield
1.95%
P/S
1.39
Sales / share
₹143.0
Tax rate
0.4%
Face value
₹2
Shares
7.9 cr
Working capital
₹406 cr
Current assets
₹1,262 cr
Current liabilities
₹856 cr
Delivery %
30.8%
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.

Worth vs price · from the exchange filings
not investment advice
Hard to value confidentlyLow confidence
The company's latest annual profit was negative, so we won't call it cheap off older profits.

An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.

P&L · Q1 FY27 (consolidated)
Revenue from Operations₹281 cr
Other Income₹8 cr
Total Income₹289 cr
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹53 cr
Finance Costs₹5 cr
Depreciation & Amortisation₹4 cr
Other Expenses₹220 cr
Total Expenses₹282 cr
Profit before Tax₹8 cr
Tax Expense₹2.9 L
Net Profit₹8 cr
Net margin on total income2.6%
Where the money goes · Q1 FY27
% of total income
Employee benefit expense₹53 cr18.5%
Finance costs₹5 cr1.6%
Depreciation & amortisation₹4 cr1.2%
Other expenses₹220 cr76.1%
Tax expense₹2.9 L0.0%
Profit for the period₹8 cr2.6%
Total income ₹289 cradds up to ₹100 ✓
Quarterly results · consolidated (₹ cr)
MetricQ3 FY26Q4 FY26Q1 FY27
Revenue289 cr289 cr281 cr
Total income297 cr296 cr289 cr
Expenses293 cr288 cr282 cr
Profit before tax4 cr4 cr8 cr
Tax0.1 L9.5 L2.9 L
Net profit (owners' share)4 cr4 cr8 cr
Net margin (owners' share, on revenue)1.4%1.5%2.7%
EPS (₹)0.520.560.97
YoY (latest quarter): total income +2.7% · net profit
Balance sheet & cash flow · as of Mar 2026
Low debt
Total assets
₹1,409 cr
Shareholder equity
₹539 cr
parent shareholders
Total debt
₹261 cr
Cash
₹239 cr
Cash flow · H1 FY26
Operating
₹-184 cr
Investing
₹8 cr
Financing
₹32 cr
Peer comparison
Financial Technology (Fintech) · by market value
CompanyPriceMarket capP/E
One 97 Communications Limited₹1,763₹1.13 L cr128.1
PB Fintech Limited₹1,765₹81,667 cr125.0
Pine Labs Limited₹184₹21,287 cr271.3
Seshaasai Technologies Limited₹366₹5,920 cr24.5
AvenuesAI Limited₹16₹5,699 cr17.0
Turtlemint Fintech Solutions Limited₹132₹3,878 cr
Network People Services Technologies Limited₹1,855₹3,869 cr88.2
One Mobikwik Systems Limitedthis company₹199₹1,564 cr51.2
Suvidhaa Infoserve Limited₹2₹46 cr
Same industry · latest reported numbers · not a recommendation.
Who owns it · 2026-06-30
No pledge
Promoter
25.1%
FII / Foreign
4.5%
DII / Domestic
3.5%
Retail / others
66.9%
Promoter stake down 0.1% over the last 8 quarters.
Smart-money activity
Bulk / block deals
short · NSE116 Sep 26
BoughtQE SECURITIES LLP · NSE5.72 L @ ₹198.9516 Sep 26
SoldQE SECURITIES LLP · NSE5.51 L @ ₹204.3116 Sep 26
Stake changes
SoldPeak XV Partners Investments IV→ 0.00% · 77.49 L28 Apr 26
SoldNet 1 Applied Technologies Netherlands B V→ 0.00% · 62.16 L26 Jun 25
SoldPeak XV Partners Investments Holdings III→ 0.36% · 12.02 L26 Dec 24
What shareholders were asked to approve

A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.

Postal ballot · 21 Jan 2026
See the official result
1
TO APPROVE APPOINTMENT OF MR. RADHAKRISHNA NAIR (DIN: 07225354) AS NON-EXECUTIVE INDEPENDENT DIRECTOR OF THE COMPANY
Backed by 100% of shareholders other than promotersneeded 75%
1.96 cr votes for, 8,506 against · 0% of mutual funds and other big investors said no

Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.

Who controls this company, and what it pays them

Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.

The promoter group — 10 named members
owning 25.1% between them · as of 2026-06-30
Bipin Preet Singh14.52%
Upasana Rupkrishan Taku10.11%
Narinder Singh Family Trust (Trustee - Bipin Preet Singh and Upasana Rupkrishan Taku)0.27%
Koshur Family Trust (Trustee - Bipin Preet Singh and Upasana Rupkrishan Taku)0.19%
Cazmir Singh Takuno shares
Navjot Singhno shares
Navsharanno shares
Surjit Kaurno shares
Business done with them
FY2025 · 2 of the group
The company paid ₹12 cr to companies in the promoter group last year — about 1.1% of its ₹1,170 cr revenue.
Bipin Preet Singh
Other payments to them · Description is mentioned along with relevent line item.
also owns 14.52% of the company
₹6 cr
company paid
Upasana Rupkrishan Taku
Other payments to them · Description is mentioned along with relevent line item.
also owns 10.11% of the company
₹6 cr
company paid

The company also transacted with 7 other related parties — subsidiaries, joint ventures, directors and others — that we could not match by name to the promoter list above. Some may still be connected to the family; we only count the ones the filings let us match with certainty.

Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.

Money it raised, and what it did with it

When a company raises money from investors, it has to say up front what the money is for. The rules then make it report, every three months until the money is gone, how much of each of those things it has actually paid for — so a promise made while asking for the money can be checked afterwards.

₹572 cr raised in Dec 2024 by selling shares to the public

As of Jun 2026, the company says it has spent 67% of what it set aside, leaving ₹188 cr still to be spent. CARE Ratings Limited watches the spending on the exchange’s behalf.

Funding organic growth in financial services business
59%
₹89 cr of ₹150 cr
Funding organic growth in payment services business
72%
₹98 cr of ₹135 cr
Research and development in data ML and AI and product and technology
76%
₹82 cr of ₹107 cr
Capital expenditure for payment devices business
17%
₹12 cr of ₹70 cr
General Corporate Purpose
100%
₹68 cr of ₹68 cr
IPO related expenses
87%
₹36 cr of ₹41 cr
Spent by quarter: 26%37%54%61%67%67% (to Jun 2026)

Every figure above is taken from the statement the company files with the stock exchange each quarter, for as long as money it has raised remains unspent. The only thing we work out is how much of each stated purpose has been paid for — one number divided by another from the same filing. Whether a plan that changed was a good change is not something a filing can tell you. See the filing

How the stock has moved · adjusted for splits & bonuses
Data from primary exchange filings · analysis tool, not investment advice.