One Mobikwik Systems Limited
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0analyst exchanges
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Key numbers — 40 extracted
12%
9%
rs
48.8
22.8%
27.5%
16.4%
11.1%
1.1%
21.7%
32.6%
76%
50%
Risks & concerns — 1 flagged
• • Cost efficiencies achieved in both Payments and FS 5% QoQ decline in Payment Gateway and User Incentive expenses 6% QoQ reduction in Lending related expenses • 774 103 594 77 Resulted in 21.7% QoQ growth and a 4.6% expansion in CM
— Direct Cost
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Speaking time
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Opening remarks
Direct Cost
• • Cost efficiencies achieved in both Payments and FS 5% QoQ decline in Payment Gateway and User Incentive expenses 6% QoQ reduction in Lending related expenses • 774 103 594 77 Resulted in 21.7% QoQ growth and a 4.6% expansion in CM
Fixed Cost
• Overall fixed cost as a percentage of total income has slightly reduced, including the impact of year-end appraisal ₹14.5 Cr QoQ EBITDA uplift driven by improved direct and fixed costs 1,086 312 Q1FY26 Revenue Direct Cost CM Fixed Cost Q1FY26 EBITDA Payment Services Financial Services Others Payment Services Financial Services 1 All Figures Refer to Q1FY5, Q4FY25 and Q1FY26 19 Losses Bottomed Out in Q4FY25; EBITDA Breakeven Imminent Soon 21.7% QoQ growth in absolute CM in Q1FY26 37% 38% 36% 31% 40% 27% 23% 27% Q2FY2 4 Q3FY24 Q4FY24 Q1FY2 5 Q2FY2 5 Q3FY25 Q4FY25 Q1FY2 6 Note: Absolute CM being ₹774.2 Mn in Q1FY26 and ₹636.34 Mn in Q4FY25 EBITDA Improved by 31.8% ₹14.5 Cr) QoQ in Q1FY26 108 108 59 22 68 Q2FY2 4 Q3FY24 Q4FY24 Q1FY2 5 Q2FY2 5 Q3FY25 Q4FY25 Q1FY2 6 1 As a %) of Total Income 2 3 Absolute CM being ₹ 774.2 Mn in Q1FY26 and ₹636.34 Mn in Q4FY25 All Figures Refer to Q1FY5, Q4FY25 and Q1FY26 Contribution Margin CM % 13 EBITDA INR Mn 20 427 458 312 Ou
Redefining UPI for Bharat
“The Smarter Way to UPI” • • • • • No Bank Account linking needed Reduced financial exposure Clutter-free Bank statements PIN-less & Instant payments Plan monthly budgets smartly Powerful Combination = Largest Wallet MobiKwik) x Largest Merchant network UPI Potential for generating revenue in future through PPI on UPI MDR Marketing campaign featuring Jaideep Ahlawat as campaign ambassador 23 2 3 23 Driving UPI growth through First Card Newly launched FD backed Rupay Credit Card • Widely accepted on UPI Network • Only revenue generating product on UPI today Drives financial inclusion • First Credit Card for every Indian • Builds credit score for ‘New to Credit’ users Engaging users at scale • Cater to large user base for daily spends, • Become the hero small ticket product replacing Zip 24 Licensed is ready to go Safe, innovative and compliant B2B payment products to power fast-growing internet startups
Key Products
Conversational Commerce (in-chat) payments, Affordability stack Credit & Debit Card EMIs) on checkout, Instant daily settlements, Invoicing, UPI Autopay, etc. Already winning the trust of industry leaders in Transit, E-commerce, Healthcare, Lending, etc. 25 AI as a Catalyst to Scale faster, Collect Smarter & Serve Better in FY26 AI Assisted Product Development Efficient Collections Driving Customer Delight • Achieve up to 30% faster development through coding tools • Launch of KWIK Collect, integrated with CRM for streamlined recovery • Improve code quality and testing coverage using AI-driven suggestions • Automate repetitive coding tasks to allow focus on innovation • AI-powered recommendations for agent efficiency, timing, and borrower profiling • Higher collections through predictive follow-ups and personalized messaging • Enable real-time CSAT tracking across all user touchpoints (calls, emails, tickets, social) • Use AI insights to boost agent productivity, monitor performance,
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