One MobiKwik Systems Limited (MOBIKWIK) Fair Value & Analysis
Technology · IN · Market cap ₹16.2B
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 4 days ago
Share price −6.4% over the past month.
Below-average quality, screening 25% undervalued on our models.
What matters now
- Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
- Our model range runs from ₹206.37 (bear) to ₹299.54 (bull), base ₹252.95. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 35/100 (below-average quality) with low evidence: read the verdict with care.
Price vs Fair Value (20 months)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
20‑month range ₹155.07 – ₹638.65 · fair‑value band ₹206.37 – ₹299.54 · the ₹202.83 price screens below the ₹252.95 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
One MobiKwik Systems Limited (MOBIKWIK) currently trades at ₹202.83, while our model-based Fair Value estimate is ₹252.95, implying the stock looks roughly 24.7% undervalued today. The Quality Score stands at 35/100 (below-average quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.
Over the trailing twelve months, One MobiKwik Systems Limited generated revenue of ₹11.2B at a net margin of -5.6%. Revenue grew 7.8% year over year. It earns a return on equity of -11.0%. The balance sheet holds a net cash position of ₹6.2B. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹206.37 (bear case) to ₹299.54 (bull case); at ₹202.83, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 39% below its 52-week high and 34% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -59% fair-value upside, at 25%, MOBIKWIK screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples (₹332.64) versus Asset-Based (₹45.85). Highest evidence: ROIC Compounder (72).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 36 · Market factors (momentum, volatility) 29
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
One MobiKwik Systems Limited provides digital payments and financial services for consumers and merchants in India and internationally.
Full company description
One MobiKwik Systems Limited provides digital payments and financial services for consumers and merchants in India and internationally. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
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.
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Peer Group
Software - Infrastructure · 370 stocks
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.
Valuation Multiples vs Software - Infrastructure median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Microsoft Corporation MSFT | $506.06 | $365.74 | -28% |
| Oracle Corporation ORAC | C$7.22 | C$2.34 | -68% |
| Fortinet, Inc FTNT | $160.84 | $61.46 | -62% |
| Synopsys, Inc 1SNPS | €358.00 | €93.61 | -74% |
| Block, Inc XYZ | A$111.01 | A$70.69 | -36% |
| Range Intelligent Computing Technology Group 300442 | ¥67.70 | ¥30.89 | -54% |
| Oracle Financial Services Software Limited OFSS | ₹11,679 | ₹6,897 | -41% |
| 360 Security Technology Inc 601360 | ¥9.58 | ¥1.05 | -89% |
| One97 Communications Limited PAYTM | ₹1,610 | ₹241.68 | -85% |
| PT GoTo Gojek Tokopedia Tbk GOTO | 50.00 IDR | 20.41 IDR | -59% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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