What was One MobiKwik Systems's revenue in Q4 FY26?

One MobiKwik Systems reported revenue of ₹289 Cr in Q4 FY26, a +6% change year-over-year.

Did One MobiKwik Systems management deliver on previous promises?

Scorecard data is being built as historical quarters are processed.

One MobiKwik Systems Q4 FY26 Research Workspace: Revenue ₹289 Cr (+6%)

Q: What guidance did One MobiKwik Systems management give?

FY27 GMV growth of 30-35%: Management expects both payments and lending GMV to grow 30-35% in FY27.

Revenue ₹289 Cr +6%

EBITDA ₹17 Cr

PAT ₹4 Cr

EBITDA Margin 3.5%

Duration 54 min

Read Time 1 min read

✓ Verified against BSE filing

2-Minute Summary

✦ AI-Generated from Full Transcript

MobiKwik delivered a landmark Q4 FY26 with back-to-back profitable quarters. Total income grew 6% YoY to ₹296 crore, while EBITDA margin expanded to 5.9% (₹17.4 crore). PAT came in at ₹4.4 crore, including a ₹3.8 crore one-time wage code charge. The core payments and lending business generated ~₹50 crore EBITDA, deliberately reinvested into four new growth engines: offline/online merchant payments, NBFC lending, and AI. Payment GMV hit an all-time high of ₹524 billion (+58% YoY), with UPI transactions growing 170% YoY (6.5x industry). Digital credit GMV reached ~₹3,200 crore, with super-prime mix improving from 10% to 32% and repeat loans from 20% to 63.5%. Management guided for 30-35% GMV growth in FY27 and maintained EBITDA margin guidance of ~5%. Key risk: regulatory changes could compress payment take rates, which management flagged as a conservative assumption.

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Research workspace

Focused Modules

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Risk Intelligence

Regulatory impact on payment take rates

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Quarter Snapshot

Payment GMV ₹524B

+58% YoY

All-time high in Q4 FY26; 13th consecutive quarter of record GMV.

UPI Transaction Growth 170% YoY

+144pp vs industry

Second fastest growing UPI app; grew 6.5x the industry rate of 26%.

Super-Prime Customer Mix 32%

+22pp YoY

Improved from 10% in FY25; reflects focus on credit quality over volume.

Repeat Loan Share 63.5%

+43.5pp YoY

Up from 20% in FY25; indicates strong customer retention and portfolio quality.

Fast read

Guidance and risk preview

Top guidance FY27 GMV growth of 30-35%

Management expects both payments and lending GMV to grow 30-35% in FY27.

Top risk Regulatory impact on payment take rates

Management conservatively guides 12-15 bps payment margin long-term, citing potential regulatory changes that could compress current 16 bps.