MOBIKWIKMOBIKWIK Forensic Risk Analysis

Financial Technology (Fintech)
Risk ClassStable
Market Cap₹1,336 Cr
Primary DriverGovernance
Flagium AI Risk Score
Stable structural profile. Financial profile appears resilient.
12 / 100
-5 QoQ
Improving
Sentinel Insight

Financial profile remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

66.7th %ile (Sector)Accel: +0 Qtrs
Updated2026-06-02
Market View
₹194.44▲0.13%
PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Stability Adjustment
+12.0 pts
Final Composite Risk12 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 12 over 12 quarters.

Expected Direction
🟢 Improving
Primary Deterioration Drivers
  • NIM Compression
What to Watch Next Quarter
  • Operating profit margins

Active Risk Objects (1)

CriticalHigh
NIM Compression
📊 Earnings QualityQuarterlyActive for 2 Qtrs
More Detail
Impact Weight10/15
MomentumDecaying
Last SignalQ3 FY2026
MOBIKWIK: NIM compressed by 4075 bps YoY (to 80.60%).

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Risk Trajectory
Historical 12-quarter risk trend (Q-11 to Q0) followed by a 2-quarter predictive funnel (Q+1, Q+2).
Loading Chart
Resilience Matrix
Diagnostic benchmarking comparing structural sensitivity and risk buffers against sector medians.
MetricValuevs SectorSignal
Volatility (σ)24.39✅ RESILIENT
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+54.0+62.0📈 CRITICAL
Forensic Benchmark Context: Financial Technology (Fintech) (n=7 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹194.44(+0.13%)
1M Divergence-8.96%
1 Week-1.96%
1 Month-9.69%
6 Months-16.75%
1 Year-29.18%
2 Year-66.83%
3 Year-66.83%
Sector Average (1M)-0.73%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

MOBIKWIK • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.0%
Trend QualityDeteriorating
Phase Progression
Phase Progression Score7.5%
Readiness LabelLow (Early Base Consolidation)
Probability of Advancing0%
CoinTree Momentum
Composite Z-Score-0.3110σ
Weakening momentum trend
Universe Rank
A cross-sectional rank of this stock's composite momentum score compared to all other tracked equities in the universe. A rank of #1 of 1035 means it has the strongest overall price momentum in the market.
#1674 of 2716
Top 61.63% in momentum strength
Timeframe Sparklines
1W-2.0%
1M-9.7%
6M-16.8%
Weinstein Indicators
150 DMA₹215.88
200 DMA₹228.7
150 DMA Slope-4.2429%Declining
Relative Strength-11.26%Lagging
Relative Turnover (RTR)1.0336
ParticipationNeutral

PEER COMPARISON

Ranked comparison against sector peers

This company shows higher risk compared to the Sector Mean (4).
AGSTRAAGS Transact Technologies Limited
4 Risk
Sector %ile50th
Delta-5
Active Flags17
Accel+0
Governance

Stable

MOBIKWIKMOBIKWIK
12 Risk
Sector %ile67th
Delta-5
Active Flags1
Accel+0
Governance

Stable

* Peer comparison is based on risk signals, not valuation or returns.

Risk Profiles

Solvency
10100th %ile
VS Sector Median (8.5)
Governance
10100th %ile
VS Sector Median (8.5)
Earnings Quality
10100th %ile
VS Sector Median (8.5)
Growth Sustainability
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2026

NIM Compression

2026

NIM Compression

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY20261,154-62-78261
FY20251,192-122-68271