One Mobikwik Systems Ltd Q1 FY27 Results & Concall Highlights: Revenue, Margins & Order Book
Published 25 Aug 2026 | Financial Technology (Fintech) | Market Cap: ₹1.6K Cr
Lending disbursements expected to scale from ~INR700 crores to INR1,000 crores per quarter in coming quarters, driven by new lending partners and products. Targeting full-year PAT profitability for the current financial year with Q1 as the baseline.
From One Mobikwik Systems Ltd's Q1 FY27 earnings-call transcript · updated 25 Aug 2026.
Price
₹194
Market Cap
₹1.6K Cr
P/E Ratio
544.3
Revenue Rank
Margin Rank
How does One Mobikwik Systems Ltd rank in Financial Technology (Fintech)?
Compare One Mobikwik Systems Ltd against every Financial Technology (Fintech) company this quarter on revenue, margins and earnings-call signals.
One Mobikwik Systems Ltd — Quarterly revenue & net profit
Reported quarterly figures (₹ Cr). Latest: revenue ₹289 Cr, net profit ₹4 Cr.
Full financials →📊 Revenue & Sales Performance
Rank 2- →Lending disbursements expected to scale from ~INR700 crores to INR1,000 crores per quarter in coming quarters, driven by new lending partners and products.
- →Two key growth initiatives in lending: targeting 96 million engaged users with pre-approved loan offers (aiming for INR150-250 crores incremental disbursement per quarter) and leveraging AI to reduce drop-offs in loan application funnel (targeting additional INR100 crores disbursement per quarter).
- →Payments business to see 5-6% quarterly revenue growth in mature consumer segments (recharge, bill pay, wallet).
- →Merchant business projected for ~25% quarterly revenue growth as scale-up intensifies, expecting a 10x ramp-up over two years.
- →Overall, full-year PAT profitability expected with INR75 crores EBITDA and INR40 crores PAT guidance for the financial year.
- →Confident maintaining INR1,000 crores lending disbursement run rate in Q2 and aiming for stronger performance in H2.
📈 Profitability & Margins
Rank 3- →Targeting full-year PAT profitability for the current financial year with Q1 as the baseline.
- →Expect GMV and revenue to grow and compound in both payments and financial services businesses.
- →Confident of achieving INR75 crore EBITDA and INR40 crore PAT for the full financial year.
- →Lending disbursements expected to scale from INR700 crores to INR1,000 crores each quarter going forward.
- →Anticipate sustained lending margins between 4.5%-5.5% long term.
- →Payments business mature segments expected to grow revenues 5%-6% quarterly; merchant segment targeted for ~25% quarterly revenue growth.
- →Merchant business burn capped at INR50-60 crores annually; break-even expected by FY28.
- →New growth initiatives and new lending partners to drive revenue acceleration.
- →AI-driven loan funnel optimization expected to add INR300 crore incremental disbursals quarterly.
- →Overall, incremental contribution from growth expected to flow directly to EBITDA and PAT.
🏗️ Capital Expenditure Plans
Yes- →MobiKwik has IPO proceeds earmarked for merchant equipment purchases, with roughly INR25 crores still available for buying more devices.
- →The company plans to utilize this capex amount in the current financial year, with updates on utilization provided quarterly.
- →There is ongoing strategic investment in technology migration to comply with RBI NBFC license conditions, including moving the digital lending business to a wholly-owned subsidiary.
- →Growth initiatives include adding new lending partners and products, and leveraging AI engines to improve customer re-engagement and loan disbursements.
- →Investments are also being made in building merchant businesses, which are manpower intensive and expected to continue incurring controlled costs until break-even targeted in FY28.
💰 Fundraising & Capital Structure
No information- →As of FY26 end (March 31), MobiKwik repaid all long-term loans; current debt comprises only short-term working capital facilities totaling INR320 crores from two major private banks, used solely for payment settlements and refunds.
- →The company does not expect to need more debt for the current year.
- →Cash balance as of June 30 is INR437 crores.
- →There is no explicit mention of any ongoing or planned new fundraising rounds through debt or equity in the provided transcripts.
- →The focus appears on organic growth, cost management, and technology migration for the NBFC subsidiary rather than external fundraising at this time.
📋 Order Book & Pipeline
No informationKey Metrics
Revenue
Margin
Capex
Fundraise
Order Book
Frequently Asked Questions
What were One Mobikwik Systems Ltd Q1 FY27 results?
Lending disbursements expected to scale from ~INR700 crores to INR1,000 crores per quarter in coming quarters, driven by new lending partners and products. Targeting full-year PAT profitability for the current financial year with Q1 as the baseline.
What is One Mobikwik Systems Ltd share price analysis?
One Mobikwik Systems Ltd currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 544.3 with a market cap of ₹1,600 Cr. Investors should review the full earnings analysis for detailed insights.
Is One Mobikwik Systems Ltd planning capital expenditure?
MobiKwik has IPO proceeds earmarked for merchant equipment purchases, with roughly INR25 crores still available for buying more devices.
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This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.