| Management target | Net Profit FY27 |
|---|
| Margins | Payments gross margin 13-15 bps; financial services margin 4.5-5.5%. |
|---|---|
| Demand visibility | Strong lending demand; 60% of loans are from repeat customers. |
| Management confidence | High; confident in sustaining profitability baseline from Q1. |
Growth
PAT swung from INR -419M to INR 76M YoY; EBITDA hit INR 158M. GMV rose 50% YoY to INR 587B.
Outlook
Targeting INR 400M full-year PAT for FY27. Lending disbursements aimed at INR 1,000Cr per quarter.
Risks
Regulatory pressure on card-linked payments and zero-MDR on UPI impact revenue take rates.
Last quarter's promises, checked
Delivered
- Guided H2 FY26 PAT positive → delivered INR 84M cumulative PAT (= BEAT)
- Guided H2 FY26 EBITDA positive → delivered INR 174M in Q4 (= BEAT)
- Guided long-term debt repayment → delivered all long-term debt paid off (= BEAT)
Partly delivered
- Guided merchant business breakeven in 3-4 quarters → revised to FY28 (= PARTIAL)
Earnings Call Transcript filed with NSE, NSE: MOBIKWIK. Summary written with AI assistance from the document.
One Mobikwik Systems Ltd: key numbers
- Share price
- ₹200.62
- Market cap
- ₹1,580 Cr
- Revenue (annual)
- ₹1,119 Cr
- Net profit (annual)
- ₹-62.10 Cr
- P/E (TTM)
- -125.7×Sector 22.1×
- Promoter holding
- 25.08%+0.00% QoQ
- FII holding
- 4.48%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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- Key figure
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