One Mobikwik Systems Ltd

The investor presentation for One MobiKwik Systems Limited (MOBIKWIK) for the quarter ended September 30, 2026, highlights strong financial performance and operational improvements. Total income reached ₹3,028 Mn, reflecting an 8% YoY and 5% QoQ growth. Revenue from operations stood at ₹2,957 Mn, with EBITDA at ₹227 Mn, showing a 44% QoQ and 977 bps YoY improvement in EBITDA margin to 7.5%. Profit after tax (PAT) surged to ₹118 Mn, a 55% QoQ and 404 Mn YoY increase. The company reported a fourth consecutive profitable quarter, driven by accelerating GMV growth and margin expansion. Operational metrics showed significant improvements in AI usage across engineering, lending, customer experience, and risk management, with 92% of code generated through AI and 55% early collections via AI in lending. Payments business saw a 35% YoY GMV growth, with gross margin expanding to 38.2%, while financial services reported a 123% YoY increase in gross profit and a 65.7% gross margin. The company also emphasized regulatory compliance and its diverse range of licenses, including PPI, BBPOU, and NBFC, ensuring long-term business continuity. The presentation noted a 47% QoQ growth in ZIP EMI disbursals and a 34% YoY increase in lending-related disbursals, supported by improved credit quality and reduced lending expenses. The company highlighted its strategic focus on AI integration, improved unit economics, and expansion in both consumer and merchant payments segments.

The document emphasizes strong financial performance, operational improvements, and strategic advancements, reflecting a positive outlook.