One Mobikwik
NSE: MOBIKWIK · Financial Technology (Fintech)
Snapshot
Unlock One Mobikwik's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
One Mobikwik Systems Ltd. is a fintech company providing mobile wallet services, Buy Now Pay Later (BNPL) credit, and payment gateway solutions. It facilitates digital transactions for consumers and provides end-to-end payment processing for online merchants.
Business Model
The company generates revenue through its consumer payments ecosystem, BNPL credit offerings, and payment gateway services provided to online merchants via Zaakpay.
Growth Outlook
Growth is driven by the expansion of its BNPL credit services for the middle-class segment and the scaling of its payment gateway aggregator, Zaakpay.
Key Risks
- Regulatory Risk. The company operates in a highly regulated fintech environment where changes in RBI guidelines regarding digital payments and credit can impact operations.
- Credit Risk. The BNPL segment exposes the company to potential defaults from borrowers, which could adversely affect financial performance.
- Market Competition. The Indian digital payments landscape is highly competitive, with significant pressure from large incumbents and UPI-based payment platforms.
- Cybersecurity Risk. As a digital financial services provider, the company faces constant threats related to data breaches and fraudulent activities.
Price
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Key Metrics
P/E
79.0x
Q4 FY26 · consolidated
EV/EBITDA
22.4x
Q4 FY26 · consolidated
NET PROFIT MARGIN
1.5%
Q4 FY26 · consolidated
DEBT TO EQUITY
0.5x
Q4 FY26 · consolidated
Peers · Financial Technology (Fintech)
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
One MobikwikMOBIKWIK | 1,382 | 78.99 | 22.44 | — | 7.0% | 3.8% | 8.3% | -18.9% |
PB Fintech Ltd.POLICYBZR | 68,131 | 107.29 | 81.08 | 36.5% | 13.0% | 10.1% | 10.6% | -13.9% |
One 97 Communications Ltd.PAYTM | 66,155 | 157.53 | 61.98 | 22.3% | 16.0% | 3.6% | 3.9% | +35.4% |
Pine LabsPINELABS | 18,929 | — | — | — | 13.0% | — | — | — |
AvenuesAICCAVENUE | 4,744 | 17.80 | 9.52 | 102.9% | 5.5% | 7.4% | 8.0% | — |
Seshaasai Tech.STYL | 3,590 | 26.05 | 8.83 | — | 27.3% | 16.8% | 23.4% | — |
As of Q4 FY26
Financials
One Mobikwik
NSE: MOBIKWIK · Financial Technology (Fintech)
Snapshot
Unlock One Mobikwik's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
One Mobikwik Systems Ltd. is a fintech company providing mobile wallet services, Buy Now Pay Later (BNPL) credit, and payment gateway solutions. It facilitates digital transactions for consumers and provides end-to-end payment processing for online merchants.
Business Model
The company generates revenue through its consumer payments ecosystem, BNPL credit offerings, and payment gateway services provided to online merchants via Zaakpay.
Growth Outlook
Growth is driven by the expansion of its BNPL credit services for the middle-class segment and the scaling of its payment gateway aggregator, Zaakpay.
Key Risks
- Regulatory Risk. The company operates in a highly regulated fintech environment where changes in RBI guidelines regarding digital payments and credit can impact operations.
- Credit Risk. The BNPL segment exposes the company to potential defaults from borrowers, which could adversely affect financial performance.
- Market Competition. The Indian digital payments landscape is highly competitive, with significant pressure from large incumbents and UPI-based payment platforms.
- Cybersecurity Risk. As a digital financial services provider, the company faces constant threats related to data breaches and fraudulent activities.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on One Mobikwik and 5,000+ companies — free.
Key Metrics
P/E
79.0x
Q4 FY26 · consolidated
EV/EBITDA
22.4x
Q4 FY26 · consolidated
NET PROFIT MARGIN
1.5%
Q4 FY26 · consolidated
DEBT TO EQUITY
0.5x
Q4 FY26 · consolidated
Peers · Financial Technology (Fintech)
As of Q4 FY26