One Mobikwik Systems Limited Q4 FY25 earnings call summary

Earnings call of 20 May 2025, summarised by AI from the filing.

Management expects lending to return to levels of four quarters ago in H2 FY26.

Key takeaways

1. Lending recovery Management expects lending to return to levels of four quarters ago in H2 FY26.
2. Net payment margin Rose to 15 bps in Q4 FY25 from 13 bps in Q3 FY25.
3. Pocket UPI Hero product driving user engagement and growth.
4. Lending margin Lending contribution margin fell due to DLG cost front-loading and deferred revenue.

Original filing on BSE

One Mobikwik Systems Limited Q1 FY27 results

As filed: Revenue ₹281 cr (+4% year on year), EBITDA ₹8.1 cr, PAT ₹7.6 cr, EBITDA margin 2.9% (+1,000 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹289 cr (+8% year on year), EBITDA ₹10.1 cr, PAT ₹4.4 cr, EBITDA margin 3.5% (+1,000 bps). Score 49 of 100, In line with trend. EBITDA margin rose 1000 bps year on year. Other income 163% of PBT. Tax rate 2%. Not enough history for a trend yet: scored on growth alone. Share price after the results: −16.9% in 30 days (Nifty 500: −3.0%).
• Q3 FY26: Revenue ₹289 cr (+7% year on year), EBITDA ₹6.7 cr, PAT ₹4.1 cr, EBITDA margin 2.3% (+1,000 bps). Score 49 of 100, In line with trend. EBITDA margin rose 1000 bps year on year. Other income 204% of PBT. Tax rate 0%. Not enough history for a trend yet: scored on growth alone. Share price after the results: −9.3% in 30 days (Nifty 500: −0.6%).
• Q2 FY26: Revenue ₹270 cr (−7% year on year), EBITDA −₹16.0 cr (−300% year on year), PAT −₹29.0 cr, EBITDA margin -5.9% (−730 bps). Score 8 of 100, Below trend. EBITDA margin fell 730 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −11.6% in 30 days (Nifty 500: −0.3%).
• Q1 FY26: Revenue ₹270 cr, EBITDA −₹41.0 cr, PAT −₹40.0 cr, EBITDA margin -15.2%. Not scored. No result for the same quarter last year. Share price after the results: −10.5% in 29 days (Nifty 500: −2.0%).
• Q4 FY25: Revenue ₹266 cr, EBITDA −₹57.0 cr, PAT −₹56.0 cr, EBITDA margin -21.4%. Not scored. No result for the same quarter last year. Share price after the results: −15.9% in 30 days (Nifty 500: −0.4%).
• Q3 FY25: Revenue ₹268 cr, EBITDA −₹47.0 cr, PAT −₹52.0 cr, EBITDA margin -17.5%. Not scored. No result for the same quarter last year.
• Q2 FY25: Revenue ₹290 cr, EBITDA ₹2.0 cr, PAT −₹3.0 cr, EBITDA margin 0.7%. Not scored. No result for the same quarter last year.

Past price moves after results do not indicate future moves. Not a recommendation.

One Mobikwik Systems Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Results deck (3 Aug 2026), Results deck (3 Aug 2026), Results press release (3 Aug 2026)
• Q4 FY26: Earnings call (12 May 2026), Results deck (12 May 2026)
• Q3 FY26: Earnings call (3 Feb 2026), Results deck (3 Feb 2026)
• Q2 FY26: Earnings call (4 Nov 2025), Results deck (4 Nov 2025)
• Q1 FY26: Earnings call (1 Aug 2025), Results deck (31 Jul 2025), Results press release (31 Jul 2025)
• Q4 FY25: Earnings call (20 May 2025), Results deck (20 May 2025), Results press release (20 May 2025)
• Other events: Strategy deck (15 Dec 2025)