Annual reportSep 2026
Sep 2026 · Shareholders meeting 8 Sep - 17th AGM on 30 Sept 2026 via VC/OAVM; annual report, director reappointment, secretarial auditor, ESOP scheme proposed.
Source: Nse
Mos Utility Ltd. (MOS)
SME CapFinancial Services stocks · SME cap · NSE
Mos Utility Ltd. operates in Utility Services, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
₹5.95
+0.25 · +4.39%
Market cap ₹153 Cr
Data qualityFresh enough for analysisQuote updated 19 Oct, 05:50 pm ISTDetails
Quote19 Oct, 05:50 pm IST
Base fundamentals20 Oct 2026 · screener
Latest result16 Aug, 12:38 am IST
Score20 Oct, 04:19 pm IST · v4.3-runtime-valuation
Tags24 Apr 2026
Coverage13/14 · 93%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
33Bearishfull bear SMA stack · SMA20 -19.7% / mo · MACD + · near 52W low
Stock trend: 26
Sector RS: 44
Sector 3M: -5.8% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
MOSD candles · FIT view-56.9%Latest close ₹5.95 on 2026-10-19
Bar
+6.3%
RSI
41
MACD hist
0.06
52W pos
4%
2026-10-19O ₹5.60H ₹5.95L ₹5.45C ₹5.95Vol 28.0L sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
MOSNifty Financial ServicesNifty 500
- MOS
- -50.4%
- Nifty 500
- -5.6%
- Nifty Financial Services
- -6.0%
- Vs Nifty 500
- -44.8 pp
Chart stats
19 Oct 2026- From 52W high
- -88.8%
- 52W range position
- 2%
- ATR (14)
- 7.5%
- Volume vs 20D
- 0.95x
- Avg traded value
- ₹1.4 Cr
- 20D price channel
- ₹5.5 - ₹8.3
₹53
₹5.1 - ₹53
₹0.4
Latest completed session
20-session average
88.7% annualized volatility
Research snapshot
What the evidence says now
Mixed fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend argues for patience, and recent execution is mixed.
Suggested next step
Research, do not rush
The evidence is not strongly aligned. Compare peers and wait for a cleaner setup.
U-Score
Legacy · FAIR VALUE58
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Bad10
Revenue -5.5% · PAT +6.1% YoY
Technical
Bearish33
Price trend and sector-relative-strength timing.
Valuation
Legacy model+66.7%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence58
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Jun 2026
Bad · 10/100Rev -5% YoY · PAT +6% YoY · margin expansion · operating leverage
Filed 30 Jun 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹151.1 Cr | -5.5% | -1.5% |
| EBITDA | ₹6.6 Cr | +20.8% | -14.1% |
| Operating margin | 4.3% | +94 bps | -64 bps |
| PAT | ₹4.4 Cr | +6.1% | -11.2% |
| PAT margin | 2.9% | +32 bps | -31 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 8.47
- P/B
- 1.44
- EV/EBITDA
- 7.00
- Market Cap
- 153.00Cr
Profitability
- ROE
- 18.80%
- ROCE
- 19.50%
- ROA
- 8.68%
- Dividend Y
- —
Growth (CAGR)
- Revenue 5Y
- 55.89%
- EPS 5Y
- 33.40%
- Revenue 3Y
- 82.00%
- EPS 3Y
- 79.00%
Balance Sheet
- Debt/Equity
- 0.67
- Interest Coverage
- 5.60×
- Altman Z
- 4.62
- Book Value
- 4.14
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 1/5
- OCF
- -4.00 Cr
- EPS TTM
- 0.70
Shareholding
- Promoter Hold
- 36.23%
- Promoter Pledge
- 42.10%
- Momentum 52W
- 4%
Financial History
Updated 19/10/2026
Revenue
₹ CrLatest: 635+3.1% vs prev
Net Profit
₹ CrLatest: 19.0+46.2% vs prev
Return on Equity
%Latest: 17.9+17.2% vs prev
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Mixed signalsSignals are conflicting — long-term trend down. RSI 41. Wait for confirmation.
- Price < SMA20 < SMA50 < SMA200 — full bearish stack.
- SMA20 falling (~24.6% over last month) — short-term momentum negative.
- RSI(14) at 41 — rising, no extreme reading.
- MACD above signal, histogram expanding — bullish momentum building.
- 78% off 52W high · 17% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Valuation & peers
U-Score 58 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Valuation & peers
U-Score 58 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Deep Value
Fundamental score breakdown
U band · FAIR VALUEValuation25/30
Growth21/25
Quality14/20
Balance Sheet2/15
Cash Flow0/10
Piotroski
5/9 (+3)
Penalties
-7
Raw sum
58
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
58/100 · legacy band FAIR VALUE
Positive drivers
- Fair-value margin of safety is positive at 66.7%.
- Growth contributes 21/25 to the score.
- Valuation contributes 25/30 to the score.
Main drags
- Promoter pledge is 42.1%.
- Penalty bucket subtracts 7 points.
- Cash flow is weaker at 0/10; verify the latest quarterly trend.
Sector valuation model
Blended valuation: PE, EV/EBITDA, FCF yield, and balance-sheet checks
For this sector, IndiaPulse uses a blended lens rather than relying on a single valuation ratio.
Primary lens
PE, EV/EBITDA, margin of safety, and FCF yield together.
Secondary checks
ROE/ROCE, growth, cash conversion, leverage, promoter risk.
Main risk check
One cheap metric is not enough if quality or cash flow is weak.
PE
8.5
PB
1.4
EV/EBITDA
7.0
ROE
18.8%
ROCE
19.5%
FCF Yield
—
Debt/Equity
0.7
MoS
+66.7%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 20 Oct 2026
v4.3-runtime-valuation
Final score
58
Previous: 58
Legacy U-Score band
FAIR VALUE
Previous: FAIR VALUE
Margin of safety
+66.7%
Previous: +66.7%
Score history
12 stored score snapshots. Latest stored move: -1 points.
20 Oct 2026
v4.3-runtime-valuation
62
62
62
60
59
60
60
60
60
60
59
58
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹8.07
+26.3% MoS
Growth-justified P/E
25.5
Growth-justified Value
₹17.85
+66.7% MoS
PEG
0.16
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
BEACON
SME
Beacon Trusteeship Ltd.
Financial Services
match 60
43
21.0
14.5%
+18%
WATCHLIST
PML
Small
Paul Merchants Limited
Financial Services
match 53
27
11.4
2.5%
-70%
OVERVALUED
ONELIFECAP
Small
Onelife Capital Advisors Limited
Financial Services
match 52
21
17.0
10.0%
+24%
OVERVALUED
ABANSENT
Small
Abans Enterprises Limited
Financial Services
match 52
36
5.9
1.8%
-460%
WATCHLIST
PALASHSECU
Small
Palash Securities Limited
Financial Services
match 52
59
5.5
3.0%
+79%
FAIR VALUE
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Mos Utility Ltd. operates in Utility Services, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
58Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 22nd percentile of the scored universe and 38th percentile within Financial Services. Main check: cash conversion is weak at 28/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
2 docs text-extracted · 1 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
22nd percentile
overall median 67 · Financial Services: 38th pctile, median 62 · SME: 24th pctile, median 64
Evidence depth
Financial-only
2 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Needs extra due diligence; demand valuation comfort and recent improvement.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
47
watch · holding, pledge, alignment
Cash flow
28
weak · profit to cash conversion
Balance sheet
81
strong · leverage and solvency
Discipline
76
strong · capital discipline
Results
71
acceptable · quarterly consistency
Trust positives
- ▸Promoter holding is 55.7%.
- ▸Promoter holding increased 6.2%.
- ▸Latest 3 quarters had positive YoY PAT growth.
- ▸OPM spread across recent quarters is 1.6%.
Trust risks
- ▸Promoters have pledged 42.1% of holding.
- ▸Operating cash flow is negative at ₹-4 Cr.
- ▸Only 1 years of positive FCF.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Mos Utility Ltd.
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Annual reportSep 2026
Sep 2026 · Copy of Newspaper Publication 8 Sep - Published newspaper ads for FY26 annual report and 17th AGM notice on September 8, 2026.
Source: Nse
Annual reportMar 2026
Mar 2026 · Annual Report 2026
Source: Nse
Annual reportMar 2025
Mar 2025 · Annual Report 2025
Source: Nse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.