Key Metrics 
Check Before You Invest 
10 Yrs X-Ray 
Valuation 
Analyst Note 
Qtr. Results 
Financials 
News 
About
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
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
Not Listed
Key Metrics
Valuation Multiples
Market Cap
₹188 Cr.
Current Price
₹0
52-Week Low / High
₹0 / 0
TTM EPS
₹0.7
TTM Sales
₹626 Cr.
Book Value per Share
₹5.2
P/E Ratio
10.39
Lower than its 5-year historical median
Industry PE
109.1
Price to Book (P/B)
1.40
Lower than its 5-year historical median
Price to Sales (P/S)
0.30
Lower than its 5-year historical median
EV/EBITDA
6.41
Lower than its 5-year historical median
Dividend Yield
NAN%
Profitability Efficiency
Return on Equity (ROE)
16.73%
Outperforms industry median
Return on Capital Employed (ROCE)
22.52%
Outperforms industry median
Return on Assets (ROA)
10.55%
Operating Profit Margin
3.3%
Net Profit Margin
2.19%
Gross Profit Margin
3.7%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Sales Growth (1 Year)
Slowing versus 3-year growth rate
19.12%
Operating Profit Growth (1 Year)
-
76.69%
Net Profit Growth (1 Year)
-
11.38%
Asset Quality
Promoter Holding
55.69%
Pledged shares (%) of Promoter's holding (%)
42.12%
Reserves
₹83 Cr.
Equity
₹51.5 Cr.
Face Value
₹2
All Time Low / High
₹0.00 / 0.00
Check Before You Invest
Quality
Not GoodValuation
UndervaluedCheck Valuation charts
Price Trend
Weak
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.
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.
How does MOS Utility Ltd performance compare with that of its Peers?
Revenue growth of MOS Utility Ltd vs industry peers?
MOS Utility Ltd revenue CAGR is 0.00%, compared to the industry median CAGR of 19.27%, indicating slower growth and losing its market share.
Promoter shareholding and pledge status of MOS Utility Ltd?
Promoters hold 55.69% of the MOS Utility Ltd, with 42.12% of their stake pledged, indicating high pledge risk.
Stock return of MOS Utility Ltd over the last decade?
Over the last 3 year(s), the stock has delivered a CAGR of -58.4% based on the current price.
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 endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
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'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM | |
|---|---|---|---|---|---|---|---|
| ROCE % ⓘ | 19.4% | 7.4% | 22.2% | 30.2% | 25% | 20.3% | - |
| Value Creation Index ⓘ | 0.4 | -0.5 | 0.6 | 1.2 | 0.8 | 0.5 | - |
Growth Parameters ⓘ |
|||||||
| Sales ⓘ | 88.2 | 67.7 | 77.3 | 106 | 175 | 208 | 222 |
| Sales YoY Gr. | - | -23.3% | 14.3% | 37.2% | 64.5% | 19.1% | - |
| Adj EPS ⓘ | 0.1 | 0.1 | 0.1 | 0.2 | 0.3 | 0.4 | 0.6 |
| YoY Gr. | - | 50% | 11.1% | 80% | 44.4% | 50% | - |
| BVPS (₹) ⓘ | 0.6 | 0.7 | 0.9 | 1.4 | 3 | 3.4 | 4.9 |
| Adj Net Profit ⓘ | 0.6 | 0.9 | 1 | 3.4 | 6.5 | 9.8 | 16 |
| Cash Flow from Ops. ⓘ | -6.7 | 0.1 | 5.3 | 3.9 | -12.2 | 36.2 | - |
| Debt/CF from Ops. ⓘ | -0.8 | 180.5 | 2.4 | 2 | -0.1 | 0.4 | - |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | NA | 18.7% | 39.1% | 19.1% | ||||
| Adj EPS ⓘ | NA | 45.4% | 57.4% | 50% | ||||
| BVPSⓘ | NA | 40.8% | 54% | 15.5% | ||||
| Share Price | - | - | -57.1% | -85% | ||||
Key Financial Parameters ⓘ
| Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM | |
|---|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | 9.6 | 13.1 | 12.3 | 19.2 | 12.8 | 12.3 | 14.9 |
| Op. Profit Mgn % ⓘ | 0.5 | 2.3 | 2.3 | 6.7 | 5.6 | 8.3 | 10.4 |
| Net Profit Mgn % ⓘ | 0.7 | 1.3 | 1.3 | 3.2 | 3.7 | 4.7 | 7.2 |
| Debt to Equity ⓘ | 0.9 | 1.2 | 1.4 | 0.3 | 0 | 0.2 | - |
| Working Cap Days ⓘ | 0 | 104 | 86 | 80 | 76 | 90 | 81 |
| Cash Conv. Cycle ⓘ | 0 | 12 | -4 | -9 | 5 | 4 | 22 |
Valuation of MOS Utility - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 8.42 | 8.42 | 8.42 | 7.90 | 42.12 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'23 | Mar'24 | Mar'25 |
|---|---|---|---|
| Sales | 106 | 187 | 616 |
| Operating Expenses ⓘ + | 99 | 175 | 596 |
| Operating Profit ⓘ | 7 | 12 | 20 |
| Operating Profit Margin (%) | 6.7% | 6.2% | 3.3% |
| Other Income ⓘ + | 4 | 6 | 4 |
| Interest ⓘ | 1 | 1 | 1 |
| Depreciation ⓘ | 2 | 2 | 4 |
| Profit Before Tax ⓘ | 7 | 15 | 19 |
| Tax ⓘ | 2 | 3 | 6 |
| Profit After Tax | 6 | 12 | 14 |
| PAT Margin (%) | 5.4% | 6.5% | 2.2% |
| Adjusted EPS (₹) | 0.3 | 0.5 | 0.5 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% |
| PARTICULARS | Mar'23 | Mar'24 | Mar'25 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | |||||||||||
| Shareholders Fund + | 26 | 75 | 86 | ||||||||
| Debt + | 7 | 4 | 16 | ||||||||
| Minority Interest | 0 | 4 | 5 | ||||||||
| Trade Payables | 5 | 11 | 16 | ||||||||
| Others Liabilities ⓘ | 14 | 12 | 27 | ||||||||
| Total Liabilities ⓘ | 52 | 105 | 151 | ||||||||
Fixed Assets | |||||||||||
| Net Fixed Assets ⓘ + | 9 | 19 | 31 | ||||||||
| CWIP ⓘ | 3 | 2 | 0 | ||||||||
| Investments ⓘ | 12 | 14 | 6 | ||||||||
| Inventories | 0 | 9 | 14 | ||||||||
| Trade Receivables | 4 | 9 | 5 | ||||||||
| Cash Equivalents | 1 | 7 | 28 | ||||||||
| Others Assets ⓘ | 23 | 45 | 67 | ||||||||
| Total Assets ⓘ | 52 | 105 | 151 | ||||||||
| PARTICULARS | Mar'23 | Mar'24 | Mar'25 |
|---|---|---|---|
| Cash Flow From Operating Activity ⓘ + | 4 | -14 | 37 |
| Cash Flow From Investing Activity ⓘ + | -9 | -14 | -29 |
| Cash Flow From Financing Activity ⓘ + | 5 | 34 | 13 |
| Net Cash Flow ⓘ | 1 | 6 | 21 |
| PARTICULARS | Mar'23 | Mar'24 | Mar'25 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | 21.53 | 23.93 | 16.73 | |||||||
| ROCE (%) | 24.83 | 27.31 | 22.52 | |||||||
| Asset Turnover Ratio | 2.02 | 2.37 | 4.82 | |||||||
| PAT to CFO Conversion(x) | 0.67 | -1.17 | 2.64 | |||||||
| Working Capital Days | ||||||||||
| Receivable Days | 14.20 | 13.10 | 4.20 | |||||||
| Inventory Days | 1.60 | 9.60 | 7 | |||||||
| Payable Days | 3,459.80 | -6,801.70 | -1,046.90 | |||||||
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
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 ₹187.9 Cr
The latest P/E ratio of MOS Utility as of 31-Dec-1969 is 11.76.
The latest P/B ratio of MOS Utility as of 31-Dec-1969 is 1.49.
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 Weak which suggest that the price of MOS Utility Ltd is likely to Fall 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.
You have 49 views remaining as a Guest User. To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now
