• Profitability and performance: MobiKwik turned profitable in Q3 and Q4 with EBITDA of ₹15 crore and ₹17 crore respectively and PAT exceeding ₹4 crore in each quarter, narrowing its full-year EBITDA loss to ₹5 crore compared to an ₹80 crore loss in FY25.
• NBFC lending rollout: The company plans to move its existing loan business to a wholly-owned subsidiary within 2–3 months and begin separate NBFC operations under its newly approved RBI license within 6–8 months.
• Merchant payments roadmap: After investing approximately ₹55 crore into merchant payments in FY26, MobiKwik will continue funding the segment through FY27, targeting 10x growth and break-even by FY28.
• Stock broking launch: MobiKwik plans to launch its integrated stock broking and wealth management product before the end of the year, with revenue contributions expected to start in FY28.
• AI-first transition: The company aims to transition into an AI-first business over the next two years, with AI already executing 80% of coding, 80–90% of customer support, and 50–55% of loan collections.