MOBIKWIK
One Mobikwik Systems Limited
Digital payments and lending distribution platform
Financial Services›Financial Services›Financial Technology (Fintech)›Financial Technology (Fintech)
mobikwik.com(opens the company website in a new tab)Key metrics
Price as of 2026-10-16
Full years shown; sign in free for the trailing twelve months. Learn about these metrics →
Price & valuation
Share price and valuation multiples (P/E, P/B and more) over time.
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What you need to know
MobiKwik is an Indian digital payments and financial services company: its app lets consumers pay bills, recharge, use UPI (Unified Payments Interface) and a wallet, and take loans from partner lenders, while its payment aggregator business serves online and offline merchants.
Company snapshot
10thBy market cap
Ranked among 12 companies in Financial Technology (Fintech).
What we see
- ✗Net margin is negative — the company is spending more than it earns right now.
Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 291 Cr | 269 Cr | 268 Cr | 271 Cr | 270 Cr | 289 Cr | 289 Cr | 281 Cr |
| Operating expenses (approx.) | 287 Cr | 317 Cr | 324 Cr | 313 Cr | 286 Cr | 282 Cr | 279 Cr | 273 Cr |
| EBITDA | 4 Cr | -48 Cr | -57 Cr | -41 Cr | -15 Cr | 7 Cr | 10 Cr | 8 Cr |
| OPM % | 1.3% | -17.7% | -21.1% | -15.3% | -5.7% | 2.3% | 3.5% | 2.9% |
| Other income | 3 Cr | 5 Cr | 11 Cr | 10 Cr | 9 Cr | 8 Cr | 7 Cr | 8 Cr |
| Interest | 7 Cr | 7 Cr | 7 Cr | 8 Cr | 7 Cr | 7 Cr | 5 Cr | 5 Cr |
| Depreciation | 3 Cr | 3 Cr | 4 Cr | 3 Cr | 3 Cr | 4 Cr | 4 Cr | 4 Cr |
| Profit before tax | -3 Cr | -53 Cr | -57 Cr | -42 Cr | -29 Cr | 4 Cr | 4 Cr | 8 Cr |
| Tax % | -8.2% | -4.0% | 1.2% | -0.1% | -0.1% | 0.0% | 2.1% | 0.4% |
| Net profit | -4 Cr | -55 Cr | -56 Cr | -42 Cr | -29 Cr | 4 Cr | 4 Cr | 8 Cr |
| EPS (₹) | ₹-0.63 | ₹-9.48 | ₹-8.88 | ₹-5.39 | ₹-3.67 | ₹0.52 | ₹0.56 | ₹0.97 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|
| Sales | 527 Cr | 539 Cr | 875 Cr | 1,170 Cr | 1,119 Cr | Sign in free for the trailing twelve months |
| Operating expenses (approx.) | 659 Cr | 617 Cr | 853 Cr | 1,272 Cr | 1,159 Cr | Sign in free for the trailing twelve months |
| EBITDA | -132 Cr | -78 Cr | 22 Cr | -102 Cr | -40 Cr | Sign in free for the trailing twelve months |
| OPM % | -25.1% | -14.4% | 2.5% | -8.7% | -3.6% | Sign in free for the trailing twelve months |
| Other income | 17 Cr | 22 Cr | 15 Cr | 22 Cr | 35 Cr | Sign in free for the trailing twelve months |
| Interest | 11 Cr | 20 Cr | 19 Cr | 27 Cr | 27 Cr | Sign in free for the trailing twelve months |
| Depreciation | 2 Cr | 4 Cr | 4 Cr | 13 Cr | 14 Cr | Sign in free for the trailing twelve months |
| Profit before tax | -128 Cr | -81 Cr | 14 Cr | -120 Cr | -62 Cr | Sign in free for the trailing twelve months |
| Tax % | 0.2% | -4.0% | 0.0% | -1.6% | -0.3% | Sign in free for the trailing twelve months |
| Net profit | -128 Cr | -84 Cr | 14 Cr | -122 Cr | -62 Cr | Sign in free for the trailing twelve months |
| EPS (₹) | ₹-23.04 | ₹-14.66 | ₹2.46 | ₹-19.27 | ₹-7.93 | Sign in free for the trailing twelve months |
| Dividend payout % | — | — | — | — | — | Sign in free for the trailing twelve months |
The latest four quarters added up, next to each full year
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Equity capital | 11 Cr | 11 Cr | 11 Cr | 16 Cr | 16 Cr |
| Reserves | 205 Cr | 131 Cr | 151 Cr | 573 Cr | 523 Cr |
| Borrowings | 151 Cr | 192 Cr | 212 Cr | 271 Cr | 261 Cr |
| Other liabilities | 469 Cr | 379 Cr | 480 Cr | 501 Cr | 609 Cr |
| Total liabilities | 836 Cr | 714 Cr | 855 Cr | 1,360 Cr | 1,409 Cr |
| Fixed assets (net) | 3 Cr | 2 Cr | 6 Cr | 6 Cr | 10 Cr |
| CWIP | — | — | — | — | 0 Cr |
| Investments | 1 Cr | 2 Cr | 5 Cr | 6 Cr | 9 Cr |
| Trade receivables | 29 Cr | 76 Cr | 81 Cr | 56 Cr | 73 Cr |
| Cash & bank | 48 Cr | 94 Cr | 93 Cr | 277 Cr | 239 Cr |
| Other assets | 755 Cr | 541 Cr | 670 Cr | 1,016 Cr | 1,078 Cr |
| Total assets | 836 Cr | 714 Cr | 855 Cr | 1,360 Cr | 1,409 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Cash from operating activity | -321 Cr | 27 Cr | -22 Cr | -68 Cr | -78 Cr |
| Cash from investing | -85 Cr | -0.68 Cr | 27 Cr | -313 Cr | 82 Cr |
| Cash from financing | 329 Cr | 18 Cr | 3 Cr | 515 Cr | -2 Cr |
| Net cash flow | -76 Cr | 44 Cr | 8 Cr | 133 Cr | 2 Cr |
| Free cash flow (OCF − Capex) | -324 Cr | 26 Cr | -28 Cr | -77 Cr | -90 Cr |
Ratios
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| ROCE % | -32.0% | -18.0% | 8.8% | -10.7% | -4.3% |
| ROE % | -59.2% | -58.7% | 8.7% | -20.6% | -11.5% |
| Debtor days | 20 | 51 | 34 | 17 | 24 |
| Inventory days | — | — | — | 0 | 0 |
| Days payable | 52 | 80 | 95 | 33 | 32 |
| Cash conversion cycle | -31 | -28 | -61 | -16 | -8 |
| Debt / equity | 0.70 | 1.35 | 1.30 | 0.46 | 0.48 |
| Current ratio | 1.08 | 1.03 | 1.08 | 1.59 | 1.47 |
| Net debt / EBITDA | — | — | 5.42 | — | — |