One MobiKwik Systems Q1 Results: Earnings call scheduled for August 3

One MobiKwik Systems has scheduled its investor presentation to discuss financial results for the quarter ended June 30, 2026 (Q1FY27), on August 03, 2026. The live webcast of the earnings call is set for 4:00 PM IST, providing analysts and investors with an opportunity to review the company’s performance and strategic updates for the initial quarter of the fiscal year.

The disclosure was made pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, read with Schedule III thereto. Ankita Sharma, Company Secretary and Compliance Officer, signed the communication, which was dispatched to the National Stock Exchange of India Limited and BSE Limited on August 03, 2026. The full presentation is available on the company’s investor relations website.

Regulatory License Status

Alongside the earnings announcement, One MobiKwik provided a detailed update on its regulatory licenses across payments, lending, wealth, and insurance verticals. The company operates under multiple permissions granted by the Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), and Insurance Regulatory and Development Authority of India (IRDAI).

Business Activity	License Type	Last Renewed	Regulatory Authority	Service Offered
Payments	Prepaid Payment Instrument (PPI)	Sep 30, 2025	RBI	Issuance and operation of PPI (Wallets); merchant acceptance
Payments	Bharat Bill Payment Operating Unit (BBPOU)	Jan 27, 2026	RBI	Utility and credit card bill payments
Payments	Online Payment Aggregator (PA-O)	Apr 30, 2025	RBI	Digital payment acceptance via cards, UPI, wallets
Payments	Offline Payment Aggregator (PA-P)	May 25, 2026	RBI	Face-to-face digital payments via QR codes and POS
Lending	Non-Banking Financial Company (NBFC)	Apr 27, 2026	RBI	On-book lending and co-lending activities
Wealth	AMFI Registration Number (ARN)	Mar 06, 2025	SEBI	Selling and marketing of mutual fund products
Wealth	Registration as Investment Adviser (RIA)	Aug 21, 2023	SEBI	Financial advice and securities selection
Wealth	Stock Broking	Jul 01, 2025	SEBI	Buying, selling, and clearing of securities
Insurance	Corporate Agent (Composite)	Dec 15, 2023	IRDAI	Soliciting and distributing insurance products

What the Numbers Show

The regulatory update highlights the continuity of One MobiKwik’s core payment infrastructure. The Offline Payment Aggregator license was renewed in May 2026, ensuring uninterrupted face-to-face transaction capabilities through QR codes and point-of-sale terminals. Similarly, the NBFC license application was approved in April 2026, reinforcing the company’s ability to expand its on-book and co-lending operations. These renewals are critical for maintaining revenue streams in both merchant acquisition and consumer lending, which are central to the company’s diversified fintech model.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
+6.32%	+8.54%	+9.17%	+9.42%	-11.15%	-58.68%

One MobiKwik Systems Limited reported a consolidated net profit of ₹76 million for the quarter ended June 30, 2026 (Q1FY27), marking its third consecutive profitable quarter. The fintech firm’s platform gross merchandise value (GMV) reached an all-time quarterly high of ₹587 billion, growing 50% year-on-year, while net financial services margins expanded fivefold to 5.9%. This performance underscores the company’s successful transition to sustainable profitability, driven by robust credit quality in lending and accelerating UPI transaction volumes.

Financial Performance Overview

The company’s total income rose to ₹2,892 million in Q1FY27, up 3% from ₹2,816 million in the year-ago period. Revenue from operations stood at ₹2,815 million, reflecting a 4% increase. The profitability swing was significant, with net profit improving by ₹495 million year-on-year from a loss of ₹419 million. EBITDA also swung positive to ₹158 million, reversing a loss of ₹312 million previously, representing an improvement of ₹470 million.

Metric	Q1FY27 (₹Mn)	Q1FY26 (₹Mn)	YoY Change
Total Income	2,892	2,816	3%
EBITDA	158	(312)	₹470 Mn Swing
Net Profit / (Loss)	76	(419)	₹495 Mn Swing

Contribution profit, a key internal metric, grew by 66% to ₹1,286 million, supported by disciplined cost management. Direct costs declined by 21% year-on-year, while fixed costs remained at 39% of total income as the company continues investing in high-growth segments.

Business Segment Highlights

The payments business delivered record volume growth, with platform GMV hitting ₹587 billion, up 50% from ₹392 billion in Q1FY26. MobiKwik ranked as the second fastest-growing Unified Payments Interface (UPI) app in India, with transactions growing 2.3 times faster than the industry average. The user base expanded to 193 million, and the merchant base grew to 5.02 million. Net payments margin stood at 13 basis points, while gross margin improved to 37% from 28% in the prior year.

In financial services, gross profit surged 5.6 times to ₹433 million from ₹77 million, driven by enhanced credit quality and collection efficiency. ZIP EMI GMV grew 6% to ₹7,367 million, with 60% of loans disbursed to repeat customers, indicating strong portfolio retention. Credit risk performance improved by approximately 25%.

Strategic Outlook

Bipin Preet Singh, Co-founder, Managing Director & CEO, stated that profitability is now embedded in the business model, citing 14 straight quarters of GMV growth in payments. The company remains focused on deepening its payments leadership and expanding its digital financial services ecosystem. The reallocation of IPO proceeds toward lending services and offline merchant growth supports this long-term value creation strategy.