One Mobikwik Systems Ltd
One Mobikwik Systems Q4 FY26 earnings call: Revenue & Margins
Q4 FY26 earnings call: what management said on revenue, margins and capex.
- Revenue
- ₹289Cr
- +7.8% YoY
- Net profit
- ₹4Cr
- Q4 FY25: −₹56 Cr
- Margin
- 3.5%
- +24.5 pp YoY
Guidance rank: #7 of 9 in Financial Technology (Fintech)
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The short version
Payments and lending GMV growth expected to be 30%–35% for FY27 and FY28. Payments and lending GMV growth expected at 30%-35% in FY27 and FY28.
From One Mobikwik Systems Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Payments and lending GMV growth expected to be 30%–35% for FY27 and FY28.
- The merchant partner base (currently 4.9 million) targeted to grow by gaining 10%–20% market share in key offline categories within 18–24 months.
- Merchant business investments (~INR 50–55 crores in FY26) will continue at a similar level in FY27 to build scale and achieve breakeven by FY28.
- Revenue growth in payments is expected to lag GMV growth due to higher mix of UPI transactions that generate lower revenue currently.
- Bill payments and UPI revenue share expected to increase significantly over next 12 months.
2 more points from One Mobikwik Systems Ltd's call on revenue
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Profitability & Margins
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Capital Expenditure Plans
- Merchant Business Investment:
- INR 55 crores invested in FY26, primarily opex with device capitalized through depreciation.
- Similar investment expected in FY27, focusing on merchant acquisition and ecosystem expansion.
- Investment covers device rentals, manpower, and product development.
- NBFC Setup:
- Capital infusion planned post Board and shareholder approvals for wholly owned subsidiary NBFC.
- NBFC setup to enable product velocity and directly design lending products, timeline about 3-6 months for setup and 6-9 months for launch.
- AI Investments:
- AI-first company vision by FY28, with current use in coding, collections, and customer support.
- AI to drive full lending lifecycle, funnel optimization, personalization, and fraud detection.
- Funding Source:
- Investments partly funded from IPO proceeds reserved for strategic growth.
2 more points from One Mobikwik Systems Ltd's call on capex
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Top-ranked in Financial Technology (Fintech)
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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One Mobikwik Systems Ltd — Quarterly revenue & net profit
One Mobikwik Systems Ltd Q4 FY26 results — key figures
| ₹ Cr | Q4 FY26 | Q4 FY25 | YoY | Q3 FY26 | QoQ |
|---|---|---|---|---|---|
| Revenue | 289 | 268 | +7.8% | 289 | 0% |
| Operating profit (EBITDA) | 10 | -56 | — | 7 | +42.9% |
| Operating margin | 3.5% | -21% | +24.5 pp | 2.3% | +1.2 pp |
| Profit before tax | 4 | -57 | — | 4 | 0% |
| Net profit (PAT) | 4 | -56 | — | 4 | 0% |
| EPS (₹) | 0.56 | -7.21 | — | 0.51 | +9.8% |
Source: reported quarterly figures (Screener), ₹ crore.
Reported quarterly figures (₹ Cr). Latest (Q2 FY27): revenue ₹296 Cr, net profit ₹12 Cr. Revenue and profit are scaled separately — hover a quarter for exact figures.
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What One Mobikwik's management said in earlier quarters
Others in Financial Technology (Fintech) this season
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Potential multibaggers · Q2 FY27
Potential multibaggers in Financial Technology (Fintech)
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
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Frequently Asked Questions
What were One Mobikwik Systems Ltd Q4 FY26 results?
Payments and lending GMV growth expected to be 30%–35% for FY27 and FY28. Payments and lending GMV growth expected at 30%-35% in FY27 and FY28.
What is One Mobikwik Systems Ltd share price analysis?
One Mobikwik Systems Ltd currently shows a neutral. 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?
Merchant Business Investment: - INR 55 crores invested in FY26, primarily opex with device capitalized through depreciation.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.