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

One MobiKwik delivered strong Q1 FY27 results with Platform Spend GMV up 50% YoY to ₹58,700 Cr. Revenue reached ₹208.1 Cr and Gross Profit hit ₹77.7 Cr. The company achieved its third consecutive profitable quarter with PAT at ₹7.6 Cr (from -₹41.9 Cr YoY) and EBITDA at ₹15.8 Cr (from -₹31.2 Cr YoY), reflecting a significant turnaround.

Payments growth was robust, with UPI transactions soaring 130% YoY to 23 Cr and UPI GMV up 99% YoY to ₹26,900 Cr. Wallet GMV grew 24% YoY to ₹12,500 Cr. Payments Gross Margin improved to 37.3%, with Net Payments Margin at 15 Bps.

Financial Services revenue climbed 26% YoY to ₹73.3 Cr, with gross profit surging 459% YoY to ₹43.3 Cr. Net Financial Services Margin jumped to 5.87% (from 1.12% YoY) due to improved credit quality, with repeat lending customers now at 60%.

Strategic moves include transferring the lending business to its wholly-owned subsidiary MDSPL to activate its NBFC license, and leveraging AI to boost lending conversions, targeting ~₹100 Cr in incremental quarterly disbursals. Two new major lending partners were added. Management targets full-year positive PAT for FY27 and aims for ₹1,000 Cr+ quarterly disbursals.