MOS Utility Ltd
Incorporated in 2009, MOS Utility Ltd is a fintech company which offers a Unified Open API and Wallet platform[1]
- Market Cap ₹ 721 Cr.
- Current Price ₹ 289
- High / Low ₹ 375 / 86.5
- Stock P/E 75.7
- Book Value ₹ 31.7
- Dividend Yield 0.00 %
- ROCE 14.5 %
- ROE 12.0 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Company has delivered good profit growth of 35.3% CAGR over last 5 years
Cons
- Stock is trading at 9.11 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Promoter holding has decreased over last quarter: -11.6%
- Company has a low return on equity of 12.7% over last 3 years.
- Earnings include an other income of Rs.4.35 Cr.
- Working capital days have increased from 47.3 days to 71.2 days
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: E-Commerce/App based Aggregator Industry: Trading
Half Yearly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM | |
|---|---|---|---|---|---|---|---|
| 817 | 554 | 73 | 77 | 106 | 175 | 183 | |
| 814 | 550 | 72 | 76 | 99 | 165 | 171 | |
| Operating Profit | 3 | 4 | 2 | 2 | 7 | 10 | 12 |
| OPM % | 0% | 1% | 2% | 2% | 7% | 6% | 7% |
| 0 | 0 | 1 | 4 | 4 | 6 | 4 | |
| Interest | 0 | 1 | 0 | 1 | 1 | 1 | 0 |
| Depreciation | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| Profit before tax | 2 | 2 | 1 | 3 | 7 | 13 | 14 |
| Tax % | 32% | 7% | 125% | -8% | 22% | 20% | |
| 1 | 2 | -0 | 3 | 6 | 10 | 10 | |
| EPS in Rs | 133.00 | 97.45 | -6.25 | 171.44 | 2.96 | 4.20 | 3.81 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | -27% |
| 3 Years: | 33% |
| TTM: | 34% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 35% |
| 3 Years: | 274% |
| TTM: | 0% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | 223% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 13% |
| 3 Years: | 13% |
| Last Year: | 12% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Sep 2024 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 0.10 | 0.19 | 0.19 | 0.19 | 19 | 25 | 25 |
| Reserves | 2 | 7 | 6 | 9 | 7 | 49 | 54 |
| 2 | 3 | 6 | 13 | 8 | 1 | 2 | |
| 18 | 16 | 12 | 14 | 18 | 9 | 11 | |
| Total Liabilities | 22 | 26 | 25 | 36 | 52 | 85 | 92 |
| 5 | 5 | 5 | 6 | 9 | 10 | 13 | |
| CWIP | 0 | 0 | 1 | 7 | 3 | 2 | 0 |
| Investments | 0 | 0 | 0 | 3 | 12 | 18 | 21 |
| 18 | 21 | 18 | 20 | 29 | 53 | 58 | |
| Total Assets | 22 | 26 | 25 | 36 | 52 | 85 | 92 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|
| -5 | 3 | 5 | 4 | -15 | ||
| 0 | -1 | -10 | -9 | -11 | ||
| 3 | -0 | 4 | 5 | 30 | ||
| Net Cash Flow | -2 | 1 | -1 | 1 | 5 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|
| Debtor Days | 3 | 3 | 17 | 2 | 14 | 15 |
| Inventory Days | 0 | 0 | 2 | |||
| Days Payable | 4 | 1 | 7 | |||
| Cash Conversion Cycle | -1 | 2 | 11 | 2 | 14 | 15 |
| Working Capital Days | -2 | 2 | 25 | 13 | 58 | 71 |
| ROCE % | 41% | 9% | 4% | 19% | 15% |
Documents
Announcements
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Reply to Clarification- Financial results
20 December 2024 - Exchange had sought clarification from Mos Utility Limited for the quarter ended 30-Sep-2024 with respect to Regulation 33 of the SEBI (LODR) Regulations, 2015. On …
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Clarification - Financial Results
11 December 2024 - Exchange has sought clarification from Mos Utility Limited for the quarter ended 30-Sep-2024 with respect to Regulation 33 of the SEBI (LODR) Regulations, 2015. On …
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Press Release
29 November 2024 - Mos Utility Limited has informed regarding a press release dated November 29, 2024, titled "JC Ventures Private Limited (Subsidiary of MOS UTILITY LTD) and Madhya …
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Press Release
18 November 2024 - Mos Utility Limited has informed regarding a press release dated November 18, 2024, titled "Redefining Banking Access: MOS Utility and Central Bank of India Partner …
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Statement of deviation(s) or variation(s) under Reg. 32
14 November 2024 - Mos Utility Limited has informed about statement of deviation(s) or variation(s) under Reg. 32
Annual reports
Concalls
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Jun 2024TranscriptPPT
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May 2023TranscriptNotesPPT
Business Overview:[1]
Company provides a platform to agents to facilitate booking of instant digital transfer of money to a bank account, AEPS, Micro ATM, NSDL kiosk, flight booking, hotel booking, recharge any cell phone and DTH, Bill payments of utility bills and insurance premium selling to travel, 2-wheeler and health insurance, CMS, courier services, Mera adhikar, etc.