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One MobiKwik Systems Limited (MOBIKWIK) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of One MobiKwik Systems Limited stock ₹189, price ₹227, that is 16.6% below the price, quality 36 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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OM One MobiKwik Systems Limited logo Thin data Nov 11, 2026

One MobiKwik Systems Limited

MOBIKWIK · NSE
Expensive, weak quality

Our calculation puts a fair price 17% below what the stock costs today.

Low debt
Expensive Growth (revenue 5y +31.9 %/yr in INR)
Fair value ₹189.11 · Overvalued
Quality 36/100
Loss-making · -1.1% net margin (TTM)
Negative free cash flow
Trails peers (4/11)
Narrow moat 19/100
Thin data
Estimate
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

₹638.65 ₹155.07 Fair Value ₹189.11 Dec 2024 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 11, 2026.

How to read this chart

23‑month range ₹155.07 – ₹638.65 · fair‑value band ₹141.83 – ₹236.38 · the ₹226.78 price screens above the ₹189.11 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 11, 2026.

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Company profile

One MobiKwik Systems Limited provides digital payments and financial services for consumers and merchants in India and internationally.

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The company offers payment services for consumers, such as recharge, utility payments, bill payments, merchant payments, and other services through wallet; and operates prepaid payment instruments, including wallet payment system.

It also provides Pocket UPI to make UPI payments through MobiKwik Wallet without linking bank account; MobiKwik ZIP, a pay-later product with a 30-day interest free credit line; ZIP EMI, a personal loan for salaried and self-employed individuals; co-branded credit cards backed by fixed deposits; Lens, a personal financial management product using bank data; Xtra, a peer to peer lending product; fixed deposits with RBI-registered NBFCs and banks; and mutual funds and digital gold distribution services.

In addition, the company offers personal finance management, which utilized account aggregator technology to provide consumers with a personal financial management product; Lens.ai, an AI-based chatbot where users can have a conversation regarding finances; money-tracking solutions; and fixed deposit and stock broking services, soundboxes, and EDC E-H wallets.

Further, it provides online checkout for e-commerce merchants to accept payments; Kwik QRs to scan and pay to retail merchant partners; MobiKwik Vibe, a QR enabled payment announcement device; MobiKwik EDC Machine, a point-of-sale machine to accept various modes of in-person payments; and merchant cash advance credit products.

One MobiKwik Systems Limited was incorporated in 2008 and is based in Gurugram, India.

Stock analysis

One MobiKwik Systems Limited (MOBIKWIK) currently trades at ₹226.78, while our estimate is ₹189.11, 17% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: ₹141.83 (bear) to ₹236.38 (bull), the price of ₹226.78 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 36/100 (below-average quality), in the Technology sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

One MobiKwik Systems Limited reported revenue of ₹11.5B in FY2026 versus ₹5.3B in FY2022, a compound +21.7%/yr. Reported net income was −₹621M in FY2026.

Key figures

Market cap ₹17.8B (≈ $189M) Micro · P/S ratio 1.59 · EPS (TTM) ₹2.31 · Net margin −5.4% · Return on equity −11.0% · Return on assets (EBIT) 1.2% (5-year average) · Operating margin 12.3% · Revenue (TTM) ₹11.3B.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 19 out of 100 (medium confidence).

What moves the price

The share trades about 13% below its 52-week high and 46% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at −17%, MOBIKWIK screens richer than that median.

Fair Value

Bear ₹141.83 Fair Value ₹189.11 Bull ₹236.38
Price ₹226.78 · Downside -16.6%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 36/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 27
How much profit the company makes from its sales and capital
Quality Growth 67
Are margins and returns getting better?
Cashflow 6
Do the profits arrive as real cash?
Financial strength 55
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 24
How calm the share price moves, does not count
Price momentum 51
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 44
Distance to the 52-week high, does not count
New shares 40
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 38/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−1.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+31.9%
Start year 2021 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+40.2%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−19.9% (2021) → −6.5% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed

MOBIKWIK screens overvalued: fair value 17% below the price. Compare with Microsoft Corporation →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 410 stocks

Beats the industry median on 3/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 36 · Bottom 25%
Fair Value upside −16.6% · Below median
Profitability
Return on assets −4.4% · Below median
Net margin (12 months) −1.1% · Below median
Operating margin (12 months) 12.3% · Above median
Growth and dividend
Revenue growth (quarter YoY) 3.7% · Below median

Valuation Multiplesvs Software - Infrastructure median · lower = cheaper

P/B 3.30× · Pricier than median
P/S (12 months) 1.57× · Cheaper than median
EV/EBITDA 7.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)11 · sector 22
FUTURE (revenue growth)19 · sector 60
PAST (return on equity)0 · sector 15
HEALTH (low debt)100 · sector 98
DIVIDEND (yield)0 · sector 27

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Microsoft Corporation MSFT $533.16 $599.70 +12% vs MOBIKWIK
Fortinet, Inc FTNT $123.57 $130.72 +6% vs MOBIKWIK
Oracle Corporation ORCL $117.98 $111.97 −5% vs MOBIKWIK
Block, Inc XYZ $85.58 $76.43 −11% vs MOBIKWIK
NetApp, Inc NTAP $175.99 $156.80 −11% vs MOBIKWIK
Synopsys, Inc SNPS $459.95 $288.23 −37% vs MOBIKWIK
Zscaler, Inc ZS $194.92 $101.45 −48% vs MOBIKWIK
Palantir Technologies Inc PLTR $168.82 $42.20 −75% vs MOBIKWIK
CrowdStrike Holdings CRWD $225.76 $37.97 −83% vs MOBIKWIK
Palo Alto Networks, Inc PANW $326.36 $39.54 −88% vs MOBIKWIK

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One MobiKwik Systems Limited: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "One MobiKwik Systems Limited Fair Value". https://www.fairvalue-calculator.com/stock/MOBIKWIK

Frequently asked questions

Is One MobiKwik Systems Limited (MOBIKWIK) overvalued or undervalued?
As of Nov 11, 2026, our estimate of fair value is ₹189.11 versus a price of ₹226.78, about 17% lower (overvalued).
What is the fair value of MOBIKWIK?
Our estimate for One MobiKwik Systems Limited is ₹189.11 (as of Nov 11, 2026), built from audited fundamentals. The current price: ₹226.78.
What is the quality score of MOBIKWIK?
One MobiKwik Systems Limited has a Quality Score of 36/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for One MobiKwik Systems Limited (MOBIKWIK)?
Our calculated price target is the estimate of ₹189.11 (as of Nov 11, 2026). Cautious scenario ₹141.83, optimistic scenario ₹236.38. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the One MobiKwik Systems Limited stock forecast for 2026?
Our estimate puts fair value at ₹189.11, about 17% lower versus a price of ₹226.78 (overvalued). Cautious scenario ₹141.83, optimistic scenario ₹236.38. The calculation is refreshed regularly with new filings.
What is the revenue of One MobiKwik Systems Limited (MOBIKWIK)?
One MobiKwik Systems Limited reported trailing-twelve-month revenue of about ₹11.3B (latest available figure, as of Nov 11, 2026).
What is the intrinsic value of One MobiKwik Systems Limited (MOBIKWIK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For One MobiKwik Systems Limited it is ₹189.11 per share (as of Nov 11, 2026), against a price of ₹226.78.
Is One MobiKwik Systems Limited stock overvalued or undervalued in 2026?
As of Nov 11, 2026, MOBIKWIK trades above its calculated fair value: price ₹226.78, fair value ₹189.11, a gap of about −17% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MOBIKWIK?
No. The price is what the market pays today (₹226.78); the fair value is what the company's own numbers justify (₹189.11). For One MobiKwik Systems Limited the two are ₹37.67 per share apart. That gap is exactly why we show both numbers side by side.
How much is One MobiKwik Systems Limited worth?
The market values One MobiKwik Systems Limited at about ₹17.8B (market capitalisation, as of Nov 11, 2026). Per share that is ₹226.78; our models calculate a fair value of ₹189.11 per share.
What do the bullish and bearish scenarios say about MOBIKWIK?
Our models span a range for One MobiKwik Systems Limited: cautious scenario ₹141.83, base ₹189.11, optimistic ₹236.38 per share (as of Nov 11, 2026, price ₹226.78). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of One MobiKwik Systems Limited (MOBIKWIK)?
Balance-sheet figures for One MobiKwik Systems Limited (as of Nov 11, 2026): return on equity −11.0%. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is MOBIKWIK from its 52-week high?
One MobiKwik Systems Limited trades at ₹226.78, about 13% below its 52-week high of ₹261.25 and 46% above the low of ₹155.07 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of ₹189.11 is for.
Which stocks are comparable to One MobiKwik Systems Limited?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is One MobiKwik Systems Limited stock attractive at the current price?
The data as of Nov 11, 2026: price ₹226.78, calculated fair value ₹189.11 (−17%), Quality Score 36/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. One MobiKwik Systems Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of One MobiKwik Systems Limited (MOBIKWIK)?
The closing price on Nov 9, 2026 was ₹226.78. Our estimate is ₹189.11, about 17% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with One MobiKwik Systems Limited right now?
Weak quality (36/100) and above fair value at the same time, the margin of safety is missing on both counts. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of One MobiKwik Systems Limited

How large is the market capitalisation of One MobiKwik Systems Limited (MOBIKWIK)?
The market capitalisation of One MobiKwik Systems Limited is ₹17.8B (≈ $189M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of One MobiKwik Systems Limited (MOBIKWIK)?
The price-to-sales ratio of One MobiKwik Systems Limited is 1.59 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of One MobiKwik Systems Limited (MOBIKWIK)?
Earnings per share at One MobiKwik Systems Limited are ₹2.31. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of One MobiKwik Systems Limited (MOBIKWIK)?
The net margin of One MobiKwik Systems Limited is −5.4% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of One MobiKwik Systems Limited (MOBIKWIK)?
The return on equity (ROE) of One MobiKwik Systems Limited is −11.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of One MobiKwik Systems Limited (MOBIKWIK)?
On an EBIT basis the return on assets of One MobiKwik Systems Limited is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of One MobiKwik Systems Limited (MOBIKWIK)?
The operating margin of One MobiKwik Systems Limited is 12.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at One MobiKwik Systems Limited (MOBIKWIK)?
Revenue at One MobiKwik Systems Limited is growing +3.7% versus a year earlier (3y avg +28.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does One MobiKwik Systems Limited (MOBIKWIK) generate?
The free cash flow of One MobiKwik Systems Limited is −₹560M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does One MobiKwik Systems Limited (MOBIKWIK) hold?
One MobiKwik Systems Limited holds more cash than debt, ₹6.2B net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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