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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 Q2 FY26, 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, focusing on bottom-line delivery.
Financial services segment saw digital credit GMV rise 16% QoQ, gross margin rebounded 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 Q2 and H1 FY26 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, with consolidated revenue from operations at ₹2,702.11 million; half-year revenue was ₹5,415.74 million.
Contribution profit increased 24.1% QoQ to ₹961 million, and payments revenue grew 11.3% YoY to ₹2,089 million.
Consolidated EBITDA for Q2 FY26 was negative ₹63.76 million, improving from negative ₹312.01 million in Q1 FY26.
PAT improved to -₹168 million from -₹419 million YoY and -₹286 million QoQ, excluding a one-time expense.
Exceptional item of ₹118.30 million was fully provided for in Q2 FY26 due to a technical bug exploitation incident.
Outlook and guidance
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.
H2 anticipated to be stronger due to seasonality and recovery in lending, but lending revenue not expected to reach previous highs this year.
IPO proceeds are being utilized for organic growth, R&D, capital expenditure, and general corporate purposes, with ₹2,551.45 million unutilized as of 30 September 2025.
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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