Mos Utility
MOS NSE
Mos Utility
Financial ServicesNSE: MOS Fintech
Key Fundamentals
SMEFintechFinancial ServicesMarket Cap
₹154 Cr
Volatility
Low Risk
P/E Ratio
8.57
EBITDA
₹27.20 Cr
Return on Equity
14.76%
Debt to Equity
0.67
Book Value
₹4.14
52W High
₹55.5
52W Low
₹6.3
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
1- Promoter holding has increased by 4.58% over last quarter.
Weaknesses
3- Though the company is reporting repeated profits, it is not paying out dividend
- Promoters have pledged 42.1% of their holding.
- Promoter holding has decreased over last 3 years: -8.98%
Growth Rate
Revenue Growth
2.39% lower than
3Y
Net Income Growth
32% lower than
3Y
Cash Flow Change
370% lower than
3Y
ROE
-4.22% lower than
3Y
ROCE
9.66% higher than
3Y
EBITDA Margin (Avg.)
8.16% higher than
3Y
Quarterly Results
| Particulars | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|
| Sales | 133 | 175 | 160 | 156 | 166 | 153 | 151 |
| Expenses | 127 | 167 | 154 | 148 | 159 | 146 | 145 |
| Operating Profit | 5.91 | 7.68 | 5.43 | 7.49 | 6.64 | 7.64 | 6.56 |
| OPM % | 4.44% | 4.38% | 3.4% | 4.8% | 4% | 4.98% | 4.34% |
| Other Income | 0.11 | 1.72 | 1.21 | 1.9 | 1.4 | 1.43 | 1.6 |
| Interest | 0.94 | 0.55 | 0.32 | 1.73 | 0.97 | 1.17 | 1.39 |
| Depreciation | 0.81 | 1.78 | 1.27 | 1.27 | 1.19 | 1.07 | 0.96 |
| PBT | 4.27 | 7.07 | 5.05 | 6.39 | 5.88 | 6.83 | 5.81 |
| Tax % | 28.81% | 35.79% | 18.81% | 19.41% | 25.85% | 28.11% | 24.96% |
| Net Profit | 3.05 | 4.54 | 4.11 | 5.15 | 4.36 | 4.91 | 4.36 |
| EPS in Rs | 0.11 | 0.17 | 0.16 | 0.17 | 0.19 | 0.18 | 0.16 |
Profit & Loss
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|
| Sales | 106 | 187 | 616 | 635 | 626 |
| Expenses | 99 | 175 | 596 | 608 | 598 |
| Operating Profit | 7 | 12 | 20 | 27 | 28 |
| OPM % | 7% | 6% | 3.3% | 4.3% | 4.5% |
| Other Income | 4 | 6 | 4 | 6 | 6 |
| Interest | 1 | 1 | 1 | 4 | 5 |
| Depreciation | 2 | 2 | 4 | 5 | 4 |
| PBT | 7 | 15 | 19 | 24 | 25 |
| Tax % | 22% | 19% | 29% | 23% | — |
| Net Profit | 6 | 12 | 14 | 19 | 19 |
| EPS in Rs | 0.3 | 0.45 | 0.5 | 0.7 | 0.7 |
| Div. Payout % | 0% | 0% | 0% | 0% | — |
Balance Sheet
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Equity Capital | 19 | 25 | 25 | 51 |
| Reserves | 7 | 50 | 62 | 55 |
| Borrowings | 8 | 5 | 19 | 71 |
| Other Liabilities | 18 | 26 | 45 | 41 |
| Total Liabilities | 52 | 106 | 151 | 219 |
| Fixed Assets | 9 | 19 | 31 | 27 |
| CWIP | 3 | 2 | 0 | 0 |
| Investments | 12 | 14 | 6 | 0 |
| Other Assets | 29 | 70 | 114 | 192 |
| Total Assets | 52 | 106 | 151 | 219 |
Cash Flow
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Operating | 4 | -14 | 37 | -4 |
| Investing | -9 | -14 | -29 | -2 |
| Financing | 5 | 34 | 13 | 7 |
| Net Cash Flow | 1 | 6 | 21 | 1 |
| Free Cash Flow | 4 | -24 | 33 | -13 |
| CFO/OP | 73 | -98 | 209 | 5 |
Ratios
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Debtor Days | 14 | 18 | 3 | 2 |
| Cash Conversion Cycle | 14 | 18 | 3 | 2 |
| Working Capital Days | 48 | 67 | 15 | -2 |
| ROCE % | — | 17% | 19% | 20% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Mos Utility insights
56 extracted metrics + investor summaries across FY22–FY26.
Documents
1
Shareholders meeting
8 Sep - 17th AGM on 30 Sept 2026 via VC/OAVM; annual report, director reappointment, secretarial auditor, ESOP scheme proposed. 8 Sep - 17th AGM on 30 Sept 2026 via VC/OAVM; annual report, director reappointment, secretarial auditor, ESOP scheme proposed.
2
Copy of Newspaper Publication
8 Sep - Published newspaper ads for FY26 annual report and 17th AGM notice on September 8, 2026. 8 Sep - Published newspaper ads for FY26 annual report and 17th AGM notice on September 8, 2026.
3
Record Date
4 Sep - MOS Utility fixed 23 September 2026 as AGM cut-off; 17th AGM on 30 September 2026 via VC. 4 Sep - MOS Utility fixed 23 September 2026 as AGM cut-off; 17th AGM on 30 September 2026 via VC.
4
Outcome of Board Meeting
3 Sep - Board approved FY26 financials, AGM on 30 Sep 2026, proposed ESOS 2026, noted 11.65% pledge invocation. 3 Sep - Board approved FY26 financials, AGM on 30 Sep 2026, proposed ESOS 2026, noted 11.65% pledge invocation.
5
Updates
1 Sep - Corrigendum fixes board meeting intimation date to 27 August 2026; meeting remains on 3 September 2026. 1 Sep - Corrigendum fixes board meeting intimation date to 27 August 2026; meeting remains on 3 September 2026.
Frequently Asked Questions about Mos Utility
What does MOS Utility Ltd do?
Incorporated in 2009, MOS Utility Ltd is a fintech company which offers a Unified Open API and Wallet platform[1]
Where is MOS Utility Ltd (MOS) listed?
MOS Utility Ltd trades as MOS on the NSE.
Which sector does MOS Utility Ltd belong to?
MOS Utility Ltd is classified under the Financial Services sector, in the Fintech industry.
What is the market capitalisation of MOS Utility Ltd?
MOS Utility Ltd has a market capitalisation of ₹154.46 Cr, which places it in the Small Cap band.
What is the PE ratio of MOS Utility Ltd?
MOS Utility Ltd trades at a PE ratio of 8.57, against a book value of ₹4.14 per share.
What is the 52-week high and low of MOS Utility Ltd?
Over the last 52 weeks MOS Utility Ltd has traded between ₹6.3 and ₹55.5.
What is the Return on Equity (ROE) of MOS Utility Ltd?
MOS Utility Ltd reported a return on equity of 14.76%. Its debt-to-equity ratio is 0.67.
Company Information
Incorporated in 2009, MOS Utility Ltd is a fintech company which offers a Unified Open API and Wallet platform[1]
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