One of the top platforms for digital payments and financial services in India, MobiKwik, has been a major force in the fintech industry. The company’s goal since the beginning has been to transform the way that payments are made, whether for customers, businesses, or service providers. MobiKwik is playing an increasingly important role as India continues to embrace digital change. However, because of the volatility of the stock market, a lot of analysts and investors are making predictions on how MobiKwik Share Price Target for 2025 will perform in the future, especially for the medium-term horizon.
In this analysis, Future Stock Value will explore a number of variables that may affect MobiKwik’s 2025 share price goal, look at market patterns, and assess the company’s development potential in the rapidly changing fintech sector.
Understanding MobiKwik: A Brief Overview
MobiKwik, which was founded in 2009 by Bipin Preet Singh and Upasana Taku, started out as a digital wallet provider but has now grown to offer a wide range of services. These services now include buy-now-pay-later (BNPL) services, insurance, personal loans, and digital payments. Additionally, the site enables users to pay bills, recharge mobile devices, and make online purchases.
The foundation of MobiKwik’s business strategy is its sizable user base, which generates significant transaction volumes. The company’s much awaited Initial Public Offering (IPO) took place in 2021. But since its launch, MobiKwik has encountered various difficulties with regard to profitability, competitiveness, and stock performance.
Company Essentials
- Market Cap : ₹ 2167 Cr.
- Enterprise Value : Not Clear
- No. of Shares : 7.77 Cr
- P/E : 153.9
- P/B : Not Clear
- Face Value : ₹ 1
- Div. Yield : Not Clear
- Book Value (TTM) : ₹ 20.9
- Operating Revenue : Not Clear
- Debt : ₹ 1.3 Cr.
- Promoter Holding : Not Clear
- EPS (TTM) : ₹ 7.92
- Sales Growth : Not Clear
- ROE : 9.20 %
- ROCE : 8.96 %
- Profit Growth : Not Clear
- Not Clear* The company is currently some data not clear by Company
Peer Comparison
| COMPANY | PRICERs. | MCAPCr. | P/B | P/E | EPSRs. | ROE% | ROCE% | P/S | EV/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| PB Fintech | 2,135.45 | 98,273.26 | 12.47 | 3,564.29 | 0.60 | 0.55 | 0.60 | 891.04 | 2,531.70 |
| One97 Communications | 955.35 | 60,908.28 | 4.75 | 0 | -9.63 | -15.85 | -11.79 | 7.96 | -50.99 |
| Infibeam Avenues | 27.69 | 7,706.40 | 2.38 | 49.13 | 0.56 | 4.93 | 6.51 | 2.60 | 27.35 |
| Zaggle Prepaid Ocean | 547.20 | 6,708.07 | 10.86 | 96.30 | 5.67 | 14.83 | 17.97 | 8.65 | 58.18 |
| MOS Utility | 758.67 | 10.23 | 72.38 | 4.20 | 20.85 | 25.01 | 4.35 | 47.05 | |
| Suvidhaa Infoserve | 6 | 125.46 | 1.16 | 0 | -0.64 | -11.99 | -11.24 | 22.39 | -60.39 |
Quarterly Results (All Figures in Cr.)
| Sales + | 342.27 |
| Expenses + | 343.60 |
| Operating Profit | -1.33 |
| OPM % | -0.39% |
| Other Income + | 3.56 |
| Interest | 6.58 |
| Depreciation | 2.00 |
| Profit before tax | -6.35 |
| Tax % | 4.25% |
| Net Profit + | -6.62 |
| EPS in Rs | -2.15 |
Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)
Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|
| Sales + | 289 | 527 | 539 | 875 |
| Expenses + | 404 | 659 | 617 | 853 |
| Operating Profit | -115 | -132 | -78 | 22 |
| OPM % | -40% | -25% | -14% | 3% |
| Other Income + | 14 | 17 | 22 | 15 |
| Interest | 7 | 11 | 20 | 19 |
| Depreciation | 1 | 2 | 4 | 4 |
| Profit before tax | -110 | -128 | -81 | 14 |
| Tax % | 1% | -0% | 4% | 0% |
| Net Profit + | -111 | -128 | -84 | 14 |
| EPS in Rs | -1,107.46 | -41.66 | -27.24 | 4.58 |
| Dividend Payout % | 0% | 0% | 0% | 0% |
Balance Sheet (All Figures are in Crores.)
Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|
| Equity Capital | 1 | 11 | 11 | 11 |
| Reserves | -35 | 205 | 131 | 151 |
| Borrowings + | 75 | 158 | 206 | 223 |
| Other Liabilities + | 383 | 462 | 366 | 469 |
| Total Liabilities | 423 | 836 | 714 | 855 |
| Fixed Assets + | 1 | 9 | 15 | 16 |
| CWIP | 0 | 0 | 0 | 0 |
| Investments | 1 | 1 | 2 | 5 |
| Other Assets + | 421 | 826 | 698 | 834 |
| Total Assets | 423 | 836 | 714 | 855 |
Cash Flows (All Figures are in Crores.)
Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|
| Cash from Operating Activity + | -35 | -321 | 27 | -22 |
| Cash from Investing Activity + | 10 | -85 | -1 | 27 |
| Cash from Financing Activity + | 73 | 329 | 18 | 3 |
| Net Cash Flow | 49 | -76 | 44 | 8 |
“The financial figures mentioned in this analysis are derived from Ticker by Finology for accuracy and reliability.”
Further details, click here. MobiKwik: Bill Payment, Mobile Recharge, Wallet, UPI, Loan etc.
MobiKwik Share Price Target for 2025
Considering the prevailing market conditions and MobiKwik’s growth trajectory, establishing a precise share price target for 2025 proves to be difficult. Nonetheless, various factors indicate that the stock may experience substantial growth, provided the company successfully:
- Effectively broaden its user base by improving digital services.
- Expand its financial services portfolio to secure a greater share of the fintech market.
- Attain profitability in the forthcoming years, thereby enhancing investor confidence.
- Enhance its competitive standing by utilizing technology and delivering an exceptional user experience.
| Year | Bullish Scenario | Intermediate Situation | Bearish Scenario |
|---|---|---|---|
| 2025 | ₹ 850 – ₹ 1050 | ₹ 650 – ₹ 740 | ₹ 450 – ₹ 560 |
| 2030 | ₹ 1600 – ₹ 1850 | ₹ 1250 – ₹ 1550 | ₹ 1050 – ₹ 1100 |
In favorable projections, analysts anticipate that MobiKwik may approach share prices in the range of ₹850 to ₹560 by the year 2025. This potential growth, however, is contingent upon the company’s capacity to implement its strategies successfully. Conversely, should competition escalate and MobiKwik struggle to attain profitability or grow at the expected rate, the stock could either stagnate or experience a decline.
Factors That Will Influence MobiKwik’s Share Price Target in 2025
Growth in India’s Digital Payments Market
India is undergoing a swift evolution in its payment ecosystem, primarily fueled by the government’s initiative towards a cashless economy, the increasing adoption of smartphones, and enhanced internet connectivity. Various reports indicate that the digital payment sector in India is projected to experience substantial growth in the near future. As a prominent participant in this domain, MobiKwik is well-positioned to take advantage of this trend. The company’s stock price is expected to gain upward traction if it successfully leverages this growth and broadens its user base.
Competition from Rival Firms
MobiKwik stands as a significant entity in the digital payment landscape; however, it encounters fierce competition from other major players, including Paytm, Google Pay, PhonePe, and Amazon Pay. These competitors are continually innovating and improving their services to draw in new users. MobiKwik’s success in distinguishing itself from these rivals, broadening its customer base, and advancing its innovations in financial services will have a direct effect on its market share and, in turn, its stock valuation.
Diversification into Financial Services
MobiKwik’s strategic entry into the financial services sector, with products such as personal loans, insurance, and buy now, pay later (BNPL) options, is expected to drive its growth. The financial services sector typically offers higher profit margins than digital payments, and the company’s foray into this domain will enable it to tap into new revenue opportunities. This development may enhance investor confidence in the company, potentially leading to a favorable impact on its share price in 2025.
Government Initiatives and Regulatory Environment
The Indian government is enacting a range of policies and initiatives aimed at promoting the development of fintech companies, which encompass the launch of digital currency and enhanced efforts towards financial inclusion. Nevertheless, fintech firms encounter regulatory obstacles that may affect their operations. Should MobiKwik successfully manage these regulatory challenges, it will be well-positioned to expand its market share and enhance investor confidence.
Technological Innovation
Technology serves as the foundation of MobiKwik’s operations. The organization is consistently striving to upgrade its platform by integrating advanced technologies such as Artificial Intelligence (AI), Machine Learning (ML), and blockchain, aiming to provide efficient and secure services. The effective application of these technologies has the potential to enhance user experience, minimize fraud, and increase transaction volume, which would significantly contribute to elevating its market valuation.
Profitability and Operational Efficiency
MobiKwik, despite having a potentially successful business model, has faced challenges in achieving profitability. Investors are paying close attention to the company’s efforts to minimize losses and enhance operational efficiency. Should MobiKwik attain profitability or make substantial improvements to its margins by 2025, it is anticipated that the share price will see a notable increase as investor confidence rises.
MobiKwik’s Financial Performance and Market Sentiment
MobiKwik’s initial public offering was anticipated with considerable optimism; however, the stock’s performance following its listing has exhibited significant volatility. Currently, the company continues to work towards achieving profitability, facing challenges such as variable revenues and elevated operational expenses. Analysts are closely monitoring the company’s quarterly performance to assess its advancement towards profitability. Sustained revenue growth and a decrease in losses will be essential factors in influencing MobiKwik’s valuation in 2025.
Conclusion: Is MobiKwik a Buy for 2025?
Investing in MobiKwik shares as 2025 approaches offers a mix of potential rewards and inherent risks. The firm is situated within an expanding digital payments landscape and is broadening its offerings into more lucrative areas such as lending and insurance. Nevertheless, it is essential to remain vigilant regarding challenges posed by competitors, regulatory issues, and the journey toward achieving profitability.
For investors who possess a long-term outlook and are willing to accept a degree of risk, MobiKwik may represent a compelling stock option. It is advisable for investors to monitor the company’s quarterly performance, the effectiveness of management in implementing its strategic initiatives, and any changes within the Indian fintech sector to ensure informed decision-making.
It is advisable to perform comprehensive research or seek the guidance of a financial advisor prior to making any investment choices.
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