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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 Overvalued 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
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
|---|---|---|---|---|---|
| ROCE % ⓘ | 11.2% | 8.8% | 9.4% | 21% | - |
| Value Creation Index ⓘ | -0.2 | -0.4 | -0.3 | 0.5 | - |
Growth Parameters ⓘGrowth Parameters Colour Code Guide ⓘ | |||||
| Sales ⓘ | 88.2 | 67.7 | 77.3 | 106 | 106 |
| Sales YoY Gr. | - | -23.3% | 14.3% | 37.2% | - |
| Adj EPS ⓘ | 0.6 | 0.9 | 1 | 2.6 | 2.3 |
| YoY Gr. | - | 47.5% | 14.9% | 157% | - |
| BVPS (₹) ⓘ | 6.2 | 7 | 9.4 | 13.8 | 30.3 |
| Adj Net Profit ⓘ | 0.6 | 0.9 | 1 | 4.9 | 6 |
| Cash Flow from Ops. ⓘ | -6.7 | 0.1 | 5.3 | 2.7 | - |
| Debt/CF from Ops. ⓘ | -0.8 | 180.5 | 2.4 | 2.9 | - |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | NA | NA | 6.4% | 37.2% | ||||
| Adj EPS ⓘ | NA | NA | 63.3% | 157% | ||||
| BVPSⓘ | NA | NA | 30.8% | 47.3% | ||||
| Share Price | - | - | - | 84% | ||||
Performance Ratio Colour Code Guide ⓘ
| Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
|---|---|---|---|---|---|
| Return on Equity % ⓘ | 9.6 | 13.1 | 12.3 | 27.7 | 10.4 |
| Op. Profit Mgn % ⓘ | 0.5 | 2.3 | 2.3 | 6.9 | NAN |
| Net Profit Mgn % ⓘ | 0.7 | 1.3 | 1.3 | 4.6 | 5.4 |
| Debt to Equity ⓘ | 0.9 | 1.2 | 1.4 | 0.3 | - |
| Working Cap Days ⓘ | 0 | 104 | 86 | 68 | 0 |
| Cash Conv. Cycle ⓘ | 0 | 12 | -4 | -9 | 0 |
Net Profit is growing at healthy rate in last 3 years 63.32%
Debt to equity has declined versus last 3 years average to 0.30
Return on Equity has declined versus last 3 years average to 10.30%
Sales growth has been subdued in last 3 years 6.37%
Sales growth is not so good in last 4 quarters at 0.00%
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 2.3 | - |
| TTM Sales (₹ Cr.) | 106 | - |
| BVPS (₹.) ⓘ | 30.3 | - |
| Reserves (₹ Cr.) ⓘ | 51 | - |
| P/BV ⓘ | 5.79 | - |
| PE ⓘ | 76.95 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 0.00 / 0.00 |
| All Time Low / High (₹) | - / - |
| Market Cap (₹ Cr.) | 437 |
| Equity (₹ Cr.) | 24.9 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 267.5 |
| Pledged * | 0.00 | 0.00 |
| PARTICULARS | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|
| Sales | 88 | 68 | 77 | 106 |
| Operating Expenses ⓘ | 88 | 66 | 76 | 99 |
| Manufacturing Costs | 82 | 65 | 73 | 92 |
| Material Costs | 0 | 0 | -1 | 1 |
| Employee Cost | 4 | 0 | 1 | 3 |
| Other Costs ⓘ | 2 | 1 | 1 | 3 |
| Operating Profit ⓘ | 0 | 2 | 2 | 7 |
| Operating Profit Margin (%) | 0.4% | 2.3% | 2.3% | 6.9% |
| Other Income ⓘ | 3 | 0 | 4 | 4 |
| Interest ⓘ | 1 | 0 | 1 | 1 |
| Depreciation ⓘ | 2 | 1 | 1 | 2 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 1 | 1 | 3 | 7 |
| Tax ⓘ | 1 | 0 | 0 | 2 |
| Profit After Tax | 1 | 1 | 3 | 6 |
| PAT Margin (%) | 0.7% | 1.3% | 4.3% | 5.4% |
| Adjusted EPS (₹) | 0.6 | 0.9 | 3.4 | 3.0 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'20 | Mar'21 | Mar'22 | Mar'23 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Shareholders Fund | 6 | 7 | 9 | 26 | ||||||
| Share Capital ⓘ | 0 | 0 | 0 | 19 | ||||||
| Reserves ⓘ | 6 | 7 | 9 | 7 | ||||||
| Minority Interest | 0 | 0 | 0 | 0 | ||||||
| Debt | 5 | 8 | 12 | 7 | ||||||
| Long Term Debt | 1 | 1 | 7 | 5 | ||||||
| Short Term Debt | 4 | 7 | 5 | 2 | ||||||
| Trade Payables | 2 | 1 | 5 | 5 | ||||||
| Others Liabilities ⓘ | 14 | 9 | 9 | 16 | ||||||
| Total Liabilities ⓘ | 27 | 25 | 36 | 54 | ||||||
Fixed Assets | ||||||||||
| Gross Block | 11 | 11 | 19 | 24 | ||||||
| Accumulated Depreciation | 6 | 7 | 13 | 15 | ||||||
| Net Fixed Assetsⓘ | 5 | 4 | 6 | 9 | ||||||
| CWIP ⓘ | 0 | 1 | 7 | 12 | ||||||
| Investmentsⓘ | 0 | 0 | 3 | 12 | ||||||
| Inventories | 0 | 0 | 1 | 0 | ||||||
| Trade Receivables | 5 | 3 | 0 | 4 | ||||||
| Cash Equivalents | 0 | 1 | 1 | 1 | ||||||
| Others Assetsⓘ | 16 | 14 | 17 | 16 | ||||||
| Total Assets ⓘ | 27 | 25 | 36 | 54 | ||||||
| PARTICULARS | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -7 | 0 | 5 | 3 |
| PBT ⓘ | 2 | 1 | 3 | 7 |
| Adjustment ⓘ | 2 | 1 | -1 | 2 |
| Changes in Working Capital ⓘ | -11 | -2 | 4 | -6 |
| Tax Paid ⓘ | 0 | 0 | -1 | -1 |
| Cash Flow From Investing Activity ⓘ | 0 | -1 | -10 | -17 |
| Capex | -3 | -1 | -9 | -9 |
| Net Investments | 3 | -1 | -2 | -9 |
| Others ⓘ | 0 | 0 | 1 | 1 |
| Cash Flow From Financing Activityⓘ | 5 | 2 | 4 | 15 |
| Net Proceeds from Shares ⓘ | 2 | 0 | 0 | 12 |
| Net Proceeds from Borrowing ⓘ | 0 | 0 | 6 | -2 |
| Interest Paid ⓘ | 0 | 0 | -1 | -1 |
| Dividend Paid ⓘ | 0 | 0 | 0 | 0 |
| Others ⓘ | 3 | 3 | -1 | 6 |
| Net Cash Flow ⓘ | -2 | 1 | -1 | 1 |
| PARTICULARS | Mar'20 | Mar'21 | Mar'22 | Mar'23 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | 9.61 | 13.13 | 41.08 | 31.97 | ||||||
| ROCE (%) | 19.44 | 7.4 | 22.17 | 31.09 | ||||||
| Asset Turnover Ratio | 3.31 | 2.62 | 2.55 | 2.35 | ||||||
| PAT to CFO Conversion(x) | -7 | 0 | 1.67 | 0.5 | Working Capital Days | |||||
| Receivable Days | 19 | 22 | 9 | 8 | ||||||
| Inventory Days | 0 | 0 | 2 | 3 | ||||||
| Payable Days | 3,146 | 0 | -1,765 | 3,357 | ||||||
The company was incorporated as a private limited Company under the name ‘MOS Utility Private Limited’, under the provisions of the Companies Act, 1956 and Certificate of Incorporation was issued by the Registrar of Companies, Maharashtra, Mumbai 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 fresh certificate of Incorporation consequent to conversion was issued on August 03, 2022 by the Registrar of Companies, Mumbai. Chirag Dineshbhai Shah and Nikhil Dineshbhai Shah were the initial subscribers to the Memorandum of Association (MOA) of the company.
MOS Utility is a technology enabled provider of digital products and services in the B2C, B2B and financial technology arena through an integrated business model via its online portal i.e. www.biz-solutionz.com. It provides business opportunities for shopkeepers, retailers, students, housewives, professionals, insurance agents to start their own futuristic online e-commerce business with an intention to promote government’s ‘Vocal for Local’ campaign. It organizes its business under seven primary business segments, (i) banking, (ii) travel, (iii) insurance, (iv) utility services, (v) entertainment services, (vi) franchisee and (vii) other services. It focuses on the convergence of financial exchange channels, processes and are a comprehensive platform, where it aims to serve its customers’ needs, bringing together the advantages of B2B, B2C and B2B2C models within a single platform. Its diversified exchange platform allows it to harness synergies and provides cross-selling and upselling opportunities to both consumers and businesses.
It has a ‘phygital’ strategy (i.e. physical and digital) that combines over 1,68,018 network partners which includes agents, distributors and master distributors for payment solutions, remittance, utility, travel and insurance products etc throughout PAN India as of September 30, 2022, with a digital online platform for its offerings. This results in a business model which is intended to provide a smooth customer experience regardless of product, service or location. Its network size and diversity, converging front-end distribution channels with back-end technology function provides it with a competitive edge.
Business area of the company
The company is a technology enabled provider of digital products and services in the B2C, B2B and financial technology arena through an integrated business model via its online portal i.e. www.biz-solutionz.com.
Services of the company
Awards, accreditations or recognition
History and milestones
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MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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