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MOS Utility Ltd (MOS)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 0 NSE: MOS Fintech | Small Cap | MOS Utility Share Price

BSE Share Price
Not Listed

MOS Utility Ltd (MOS)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 0 NSE: MOS Fintech | Small Cap | MOS Utility Share Price

BSE Share Price
Not Listed
Key Metrics
Valuation Multiples
Market Cap
₹214 Cr.
Current Price
₹0
52-Week Low / High
₹0 / 0
TTM EPS
₹0.7
TTM Sales
₹626 Cr.
Book Value per Share
₹4.3
P/E Ratio
11.81
Lower than its 5-year historical median
Industry PE
75.4
Price to Book (P/B)
1.93
Lower than its 5-year historical median
Price to Sales (P/S)
0.34
Lower than its 5-year historical median
EV/EBITDA
6.93
Lower than its 5-year historical median
Dividend Yield
NAN%
Profitability Efficiency
Return on Equity (ROE)
19.34%
Outperforms industry median
Return on Capital Employed (ROCE)
20.36%
Outperforms industry median
Return on Assets (ROA)
10.04%
Outperforms industry median
Operating Profit Margin
3.4%
Underperforms industry median
Net Profit Margin
2.92%
Underperforms industry median
Gross Profit Margin
4.6%
Underperforms industry median
Growth Momentum
1-yr vs 3-yr growth
Sales Growth (1 Year)
Slowing versus 3-year growth rate
19.12%
Operating Profit Growth (1 Year)
Slowing versus 3-year growth rate
30.38%
Net Profit Growth (1 Year)
Slowing versus 3-year growth rate
37.46%
Asset Quality
Promoter Holding
36.23%
Pledged shares (%) of Promoter's holding (%)
11.14%
Reserves
₹59 Cr.
Equity
₹51.5 Cr.
Face Value
₹2
All Time Low / High
₹0.00 / 0.00

MOS Utility stock performance

Key Ratios
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Check Before You Invest

Quality

Not Good
Check detailed performance

Valuation

Undervalued

Check Valuation charts

Price Trend

Strong
Check Price chart
Q.1 Is MOS Utility Ltd a good quality company?
MOS Utility Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.

  • How efficiently has it utilized Capital?

    By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.

  • How is it managing its Debt?

    By checking its Debt to Equity and Cash Flow from Operations.

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How does MOS Utility Ltd performance compare with that of its Peers?
Q.1 Revenue growth of MOS Utility Ltd vs industry peers?
MOS Utility Ltd revenue CAGR is 0.00%, compared to the industry median CAGR of 23.41%, indicating slower growth and losing its market share.
Q.1 Promoter shareholding and pledge status of MOS Utility Ltd?
Promoters hold 36.23% of the MOS Utility Ltd, with 11.14% of their stake pledged, indicating high pledge risk.
Q.1 Stock return of MOS Utility Ltd over the last decade?
Over the last 3 year(s), the stock has delivered a CAGR of -55.5% based on the current price.
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10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
MOS Utility Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good

Value Creation ⓘ

Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
ROCE % ⓘ19.4%7.4%22.2%30.2%25%20.6%-
Value Creation
Index ⓘ		0.4-0.50.61.20.80.5-

Growth Parameters ⓘ
Sales ⓘ88.267.777.3106175208222
Sales YoY Gr.--23.3%14.3%37.2%64.5%19.1%-
Adj EPS ⓘ0.10.10.10.20.30.50.6
YoY Gr.-50%11.1%80%44.4%84.6%-
BVPS (₹) ⓘ0.60.70.91.433.44.9
Adj Net
Profit ⓘ		0.60.913.46.51216
Cash Flow from Ops. ⓘ-6.70.15.33.9-12.236.8-
Debt/CF from Ops. ⓘ-0.8180.52.42-0.10.4-

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Sales ⓘNA18.7%39.1%19.1%
Adj EPS ⓘNA51.6%68.7%84.6%
BVPSⓘNA40.4%53.2%13.8%
Share Price - - -55.5% -66.4%

Key Financial Parameters ⓘ

Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Return on
Equity % ⓘ		9.613.112.319.212.815.215
Op. Profit
Mgn % ⓘ		0.52.32.36.75.61010.4
Net Profit
Mgn % ⓘ		0.71.31.33.23.75.87.2
Debt to
Equity ⓘ		0.91.21.40.300.2-
Working Cap
Days ⓘ		01048680769181
Cash Conv.
Cycle ⓘ		012-4-95422

Valuation of MOS Utility - Consolidated

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.008.428.428.427.9042.1211.14
* Pledged shares as % of Promoter's holding (%)

Financials

PARTICULARSMar'23Mar'24Mar'25Mar'26
Sales106187616635
Operating Expenses ⓘ + 99175596608
Manufacturing Costs92162580585
Material Costs1-0-5-3
Employee Cost 371114
Other Costs ⓘ 36913
Operating Profit ⓘ 7122127
Operating Profit Margin (%) 6.7%6.2%3.4%4.3%
Other Income ⓘ + 4646
Exceptional Items ⓘ 0000
Interest ⓘ 1124
Depreciation ⓘ 2245
Profit Before Tax ⓘ 7151924
Tax ⓘ 2366
Profit After Tax 6121319
PAT Margin (%) 5.4%6.5%2.2%2.9%
Adjusted EPS (₹)0.30.50.50.7
Dividend Payout Ratio (%)0%0%0%0%
PARTICULARSMar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Shareholders Fund + 267585106
Share Capital ⓘ 19.1624.9424.9451.49
Reserves ⓘ 7506055
Debt +741669
Long Term Debt5121
Short Term Debt231568
Minority Interest0453
Trade Payables5111616
Others Liabilities ⓘ 14122924
Total Liabilities ⓘ 52105151218

Fixed Assets

Net Fixed Assets ⓘ +9193027
Gross Block19324647
Accumulated Depreciation10121621
CWIP ⓘ 3207
Investments ⓘ 121460
Inventories091418
Trade Receivables4954
Cash Equivalents 172843
Others Assets ⓘ 234568120
Total Assets ⓘ 52105151218
PARTICULARSMar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity ⓘ + 4-1426-4
PBT ⓘ 7151924
Adjustment ⓘ 1354
Changes in Working Capital ⓘ -3-292-27
Tax Paid ⓘ -1-20-6
Cash Flow From Investing Activity ⓘ + -9-14-15-2
Capex -0-12-2-9
Net Investments -7-256
Others ⓘ -10-181
Cash Flow From Financing Activity ⓘ + 534912
Net Proceeds from Shares ⓘ 123700
Net Proceeds from Borrowing ⓘ -2-41-1
Interest Paid ⓘ -1-1-1-4
Dividend Paid ⓘ 0000
Others ⓘ -311017
Net Cash Flow ⓘ 16216
PARTICULARSMar'23Mar'24Mar'25Mar'26
Ratios
ROE (%)21.5323.9316.8219.34
ROCE (%)24.8327.3122.8920.36
Asset Turnover Ratio2.022.374.813.44
PAT to CFO Conversion(x)0.67-1.172-0.21
Working Capital Days
Receivable Days14.2013.104.202.50
Inventory Days1.609.6079.20
Payable Days3,459.80-6,801.70-1,046.90-1,655.50

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Annual reports

No annual reports available.

Concalls

No concalls available.

MOS Utility Ltd FAQs

The current trading price of MOS Utility on 01-Jan-1970 05:30 is ₹0.00.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 31-Dec-1969 the market cap of MOS Utility stood at ₹213.7 Cr

The latest P/E ratio of MOS Utility as of 31-Dec-1969 is 13.37.

The latest P/B ratio of MOS Utility as of 31-Dec-1969 is 1.69.

The 52-week high of MOS Utility is ₹0.00 and the 52-week low is ₹0.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of MOS Utility is ₹222 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that MOS Utility Ltd is a below average quality company.

The key valuation ratios of MOS Utility Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of MOS Utility Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

About MOS Utility Ltd

MOS Utility was incorporated as a private limited company under the name ‘MOS Utility Private Limited’ on July 27, 2009. The status of the company was changed to public limited and the name of the company was changed to ‘MOS Utility Limited’ vide Special Resolution dated July 05, 2022. 

The company has established itself as a frontrunner in the Indian digital fintech market, leveraging a comprehensive suite of services to drive financial inclusion and digital transformation across the nation. With a vast network encompassing lakhs of agents, thousands of distributors, hundreds of master distributors, and MOS Seva Kendras, the company ensures its services reach every corner of India, including rural and remote areas. The management’s strategic focus on integrating diverse offerings such as banking, utility, and travel services on a single platform has set the company’s apart from its competitors, providing a seamless user experience and maximizing earning potential for its partners. By transforming retail locations into fintech hubs and enabling hassle-free, efficient transactions through micro ATMs and Aadhaar-enabled payment systems, the company facilitates secure financial access and reliable government-backed payments. 

The company’s commitment to the ‘Vocal for Local’ initiative further strengthens its market presence by empowering local entrepreneurs and creating economic growth opportunities. As the preferred partner for major institutions like IRCTC, SBI, NSDL, and BOI, the company continues to innovate and expand its service offerings, ensuring comprehensive coverage of banking, utilities, travel, and insurance services.

Business area of the company

The company operates the business of providing a platform to agents which then facilitates the 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.

Products and services of the company

  • Money Transfer
  • Credit Card BBPS
  • Bill Payment
  • Banking CSP
  • NSDL Banking
  • Government Schemes
  • Insurance
  • Digital QR
  • MOS/ ONIX Solar Services
  • Cash Management System
  • Bus Booking
  • Hotel Booking
  • Flight Booking
  • Train Ticket Booking
  • IRCTC Tourism
  • Recharge
  • Aadhaar Pay
  • PAN Card
  • Entertainment
  • Wealthstreet

Awards, accreditations or recognition

  • 2014-15: Certificate of recognition for valuable contribution by IndiGo.
  • 2018: Winner of Best Decoration Award at Travel and Tourism Fair at Ahmedabad.
  • 2018-19: Received the Top Contributor Business Award from Indigo.
  • 2019: Certificate of Accreditation by International Air Transport Association.
  • 2022: Winner of Best Thematic Pavilion Decoration Award at OTM.

History and milestones

  • 2009: Incorporated as Private limited Company.
  • 2010: Launched flight ticketing business.
  • 2012: Started acting as business correspondent of Yes Bank.
  • 2014: Started business of train ticketing by becoming authorised principal service provider of IRCTC.
  • 2015: Launched PAN card services in association with UTI Infrastructure Technology and Services Limited.
  • 2016: Became corporate insurance agent under Insurance Regulatory and Development Authority of India (IRDAI).
  • 2021: Started acting as business correspondent of NDSL Payments Bank Limited.
  • 2021: Started project to develop studio no. 13, 14 and 15 in Film City, Goregaon.
  • 2022: Change in constitution of the company from Private to Public Limited.
  • 2022: Launched Courier Services.
  • 2023: MOS got listed on NSE Emerge platform
  • 2023: Network Partner With ONDC
  • 2024: MOS alliance with Croma, India Post & BOI, MOS.
  • 2024: Acquisition of J C Ventures pvt ltd & Indicore Infocomm Pvt Ltd & Samvriddhi Inclusive Growth Network Pvt Ltd
  • 2025: Launch of New Products: Q-BRIDGE, MOS Digital, QR, IRCTC Tourism, POS Device.

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