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Swing Capital

One Mobikwik Systems Ltd

NSE: MOBIKWIK BSE: 544305Banking

Incorporated in 2009, One Mobikwik Systems Ltd is a digital banking platform which offers a wide range of financial products for both consumers and merchants[1]

₹188
52W: ₹151 — ₹334
PE 0 · Book ₹71.4 · +163% vs book
Market Cap₹1,481 Cr
Stock P/E—Price to Earnings
ROCE0.86%Return on Capital
ROE6.66%Return on Equity
Div. Yield0%Face Value ₹2

Weaknesses

  • −Stock is trading at 2.64 times its book value
  • −Company has low interest coverage ratio.
  • −Promoter holding is low: 25.1%
  • −Company has a low return on equity of -13.3% over last 3 years.
  • −Earnings include an other income of Rs.29.4 Cr.

Shareholding Pattern

Promoters25.09%
FIIs4.24%
DIIs4.07%
Public66.59%
CategoryDec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters25.18%25.18%25.03%▼0.124.87%▼0.225.11%▲0.225.09%▼0.0
FIIs4.83%3.9%▼0.97.08%▲3.23.74%▼3.33.19%▼0.64.24%▲1.1
DIIs8.85%4.55%▼4.34.74%▲0.24.31%▼0.44.77%▲0.54.07%▼0.7
Public61.13%66.38%▲5.263.16%▼3.267.08%▲3.966.95%▼0.166.59%▼0.4

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales226.95263.42340.62289.54267.97265.85269.78268.3286.26282.15
Expenses217.8268.08346.54287.2314.68323.05311.01283.28278.38272.39
Operating Profit9.15-4.66-5.922.34-46.71-57.2-41.23-14.987.889.76
OPM %4.03%-1.77%-1.74%0.81%-17.43%-21.52%-15.28%-5.58%2.75%3.46%
Net Profit5.45-4.91-11.37-2.91-52.37-55.71-39.83-26.986.685.98
EPS ₹0.95-0.86-1.99-0.51-6.74-7.17-5.1-3.430.850.76

AI Insights

Revenue Trend

Mar 2026 revenue at ₹1,106Cr, down 5% YoY. OPM at -3%.

Debt Position

Borrowings at ₹281Cr. Debt-to-equity ratio: 0.51x. Moderate leverage.

Institutional Flow

DIIs: 4.07% (-4.78pp change). FIIs: 4.24% (-0.59pp change). Promoters hold 25.09%.

Margin & Efficiency

ROCE declining from 0% (Mar 2020) to -1% (Mar 2026). Working capital days: -152.

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