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One MobiKwik Systems
One MobiKwik Systems (MOBIKWIK) investor relations material
One MobiKwik Systems Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary3 Feb, 2026
Executive summary
Achieved net profitability in Q3 FY26 with PAT of INR 40 million and EBITDA of INR 150 million, marking a significant turnaround from prior losses.
Contribution profit rose 76% year-over-year, and EBITDA improved by INR 576 million YoY, reflecting strong operating leverage.
User base reached 186.6 million and merchant base 4.79 million, maintaining leadership in digital wallet and UPI growth.
Strong execution in both Payments and Financial Services segments drove results, with disciplined cost control and margin expansion.
Financial highlights
Consolidated revenue for Q3 FY26 was INR 2,972 million, up 8% year-over-year and 6% sequentially.
Payments GMV reached an all-time high of INR 481 billion, up 63% YoY and 11% QoQ, marking the 12th consecutive record quarter.
Payments revenue for the quarter was INR 223.7 crore, with a net margin of 17 basis points.
Financial services (ZIP EMI) GMV grew 126% YoY to INR 9,000 million, with gross profit up 405% YoY to INR 372 million.
Contribution profit increased 76% year-over-year to INR 1,288 million.
Outlook and guidance
Focus remains on sustainable, stable growth with a risk-first approach in lending and continued investment in payments, especially UPI and wallet products.
Net payments margin expected to remain between 12-15 basis points; lending margin projected at 3-4%.
New revenue streams in loans against mutual funds, co-branded credit cards, and merchant lending expected to contribute from FY27.
Profitability is expected to be maintained in H2 FY26, with continued momentum in both payments and financial services.
What specific cost controls led to Q3 PAT?
What is the plan for unutilized IPO funds?
What are the findings of the fraud incident report?
Lending disbursal growth strategy post-BNPL?
Merchant acquiring strategy for profitability?
Future profitability drivers beyond margin expansion?
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Next One MobiKwik Systems earnings date
Q4 25/2619 May, 2026
One MobiKwik Systems
Next One MobiKwik Systems earnings date
Q4 25/2619 May, 2026
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Frequently asked questions
One MobiKwik Systems Limited is an India-based company specializing in digital financial services. The company operates a mobile wallet and payment platform that enables users to make digital transactions, including bill payments, money transfers, and online shopping. In addition to consumer payments, MobiKwik offers buy now, pay later (BNPL) solutions and financial products such as personal loans and insurance. One MobiKwik Systems Limited is headquartered in Gurugram, India, and its shares are listed on the Bombay Stock Exchange (BSE) and the National Stock Exchange of India (NSE).
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