MobiKwik Turns the Corner with Q4 Profitability

📈 Financial Turnaround - Net Profit at ₹44M, a sharp recovery from a ₹560M loss YoY — MobiKwik posts its first profitable quarter - EBITDA swings to a gain of ₹174M from a ₹457M loss YoY, reflecting strong operational discipline - EBITDA Margin improves to 6%, signalling positive operating leverage 🔍 Key Drivers - Profitability fueled by rigorous cost optimisation and enhanced unit economics - Robust growth in digital payments and Buy Now Pay Later (BNPL) segments - Expanding footprint across tier-2 and tier-3 cities, tapping into new customer bases 💼 Strategic Focus - Scaling credit products alongside digital lending partnerships to deepen market reach - Enriching the merchant ecosystem with value-added services to boost engagement - Investing in technology infrastructure to ensure seamless and secure payment experiences 🚦 Potential Challenges - Heightened regulatory scrutiny in fintech and lending sectors remains a watchpoint - Intensifying competition from established players like Paytm, PhonePe, and BharatPe - Balancing aggressive scaling with the need to sustain profitability 📌 Outlook - Crossing into profitability marks a significant milestone for MobiKwik’s growth journey - Continued emphasis on credit and BNPL is expected to be a key growth engine - Positioned as a lean, profitable fintech player poised to strengthen its hold in India’s digital payments landscape