One Mobikwik Systems Limited — PPTs, 03-08-2026: Investor Presentation

**1. Business Performance:**

MobiKwik reported a 3% YoY revenue growth to ₹289.2 Cr for the quarter. Its platform spend GMV surged 50% YoY to ₹58,700 Cr, driven by strong payments and lending segments. Payment gross profit rose 31% YoY to ₹77.7 Cr, with financial services gross profit jumping 459% YoY to ₹43.3 Cr. Lending disbursals increased 6% YoY to ₹736.7 Cr.

**2. Growth Drivers or Strategy:**

The company is aggressively growing its UPI transactions, up 130% YoY, outpacing the industry. It's leveraging Pocket UPI for wallet growth and expanding merchant acquisition. In lending, MobiKwik is using an AI engine to enhance funnel conversions, aiming for an additional ₹100 Cr in quarterly disbursals, and focuses on acquiring new lending partners while prioritizing repeat customer business.

**3. Recent Developments:**

MobiKwik is actively transferring its lending business to a wholly-owned subsidiary to activate its NBFC license, a crucial step for its financial services expansion. They also onboarded 2 new major lending partners during the quarter, bringing the total to 9.

**4. Key Financial Metrics:**

The company delivered a PAT of ₹7.6 Cr and an EBITDA of ₹15.8 Cr, marking its third consecutive quarter of positive profitability. Payments Gross Margin stood strong at 37.3%, and the Net Financial Services Margin improved significantly to 5.87%. Direct costs were reduced by 21% YoY.

**5. Management Commentary / Outlook:**

Management is targeting a full-year positive PAT for FY27. They anticipate consistent GMV growth with stable net payments margins and expect quarterly lending disbursals to exceed ₹1,000 Cr in the upcoming quarters.