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One MobiKwik Systems (MOBIKWIK) investor relations material
One MobiKwik Systems Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary4 Nov, 2025
Executive summary
Achieved record high payments GMV of ₹432.2 billion in Q2FY26, up 53% YoY and 13% QoQ, with registered users at 183.5 million (+10% YoY) and merchants at 4.71 million (+7% YoY).
Among the top three fastest-growing UPI apps in India, with UPI transactions up 3.5x YoY and GMV up 2x YoY.
Financial services segment saw digital credit GMV rise 16% QoQ, gross margin rebounding to 41.8%, and gross profit up 231% QoQ.
EBITDA improved by 80% QoQ to -₹63.76 million, with contribution margin rising to 34.4% and fixed costs reduced by 5.7% QoQ.
Unaudited standalone and consolidated financial results for the quarter and half-year ended 30 September 2025 were approved by the Board and reviewed by auditors, with no material misstatements identified.
Financial highlights
Total income for Q2 FY26 was ₹2,793.27 million, remaining stable sequentially.
Payments revenue grew 11.3% YoY to ₹2,089 million, with gross margin at 29.4%.
Financial services revenue rose 5% QoQ to ₹613 million, with lending expenses down 29% QoQ.
Consolidated EBITDA loss improved to -₹63.76 million from -₹312.01 million in Q1 FY26, an 80% improvement.
PAT improved to -₹168 million from -₹419 million YoY and -₹286 million QoQ, excluding a one-time expense.
Outlook and guidance
Expecting further improvement in contribution margin and profitability in coming quarters.
Anticipate EBITDA break-even soon, with PAT profitability targeted as the next milestone.
Lending revenue recovery expected to take until next financial year to reach previous highs.
Focus on scaling new revenue streams such as Zaakpay payment gateway and stock broking, with SEBI approval secured.
Continued investment in AI-powered product innovations and digital rupee adoption.
IPO proceeds utilization plan vs actual?
Update on merchant fraud investigation?
Why negative cash flow from operations?
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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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