{"id":200049,"date":"2026-08-12T16:28:19","date_gmt":"2026-08-12T10:58:19","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=200049"},"modified":"2026-08-12T16:28:21","modified_gmt":"2026-08-12T10:58:21","slug":"one-mobikwik-vs-ags-transact-technologies-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/","title":{"rendered":"One MobiKwik vs AGS Transact Technologies: Share Price, PE, ROE Compared"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>One MobiKwik MCap approx Rs 800-1,200 Cr (listed 2024, data approximate). AGS Transact Technologies MCap approx Rs 500-800 Cr (data approximate, distressed ATM business).<\/em><\/p>\n<p>One MobiKwik vs AGS Transact Technologies is a comparison fintech investors look up when evaluating two listed Indian companies in the digital payments and financial technology segment. One MobiKwik Systems, a Gurugram-based company (listed 2024), operates the MobiKwik digital payments wallet and BNPL (Buy Now Pay Later) platform with millions of users across India. AGS Transact Technologies, a Mumbai-based company, manages ATM machines for banks, operates white-label ATMs and provides digital payment solutions for banking. The MobiKwik versus AGS Transact comparison covers digital consumer payments versus ATM banking infrastructure.<\/p>\n<p>This One MobiKwik vs AGS Transact Technologies article covers reach and market position, key products, latest declared results and stock valuation. All data is sourced from Groww and public company filings.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#Reach_and_Market_Position\" title=\"Reach and Market Position\">Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#Key_Products_and_Business_Mix\" title=\"Key Products and Business Mix\">Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#Latest_Results_and_Financial_Data\" title=\"Latest Results and Financial Data\">Latest Results and Financial Data<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#Stock_Performance_and_Valuation\" title=\"Stock Performance and Valuation\">Stock Performance and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#One_MobiKwik_vs_AGS_Transact_Technologies_Quick_Comparison_Table\" title=\"One MobiKwik vs AGS Transact Technologies: Quick Comparison Table\">One MobiKwik vs AGS Transact Technologies: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#What_does_MobiKwik_do\" title=\"What does MobiKwik do?\">What does MobiKwik do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#What_does_AGS_Transact_Technologies_do\" title=\"What does AGS Transact Technologies do?\">What does AGS Transact Technologies do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#What_is_BNPL\" title=\"What is BNPL?\">What is BNPL?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#What_is_a_white-label_ATM\" title=\"What is a white-label ATM?\">What is a white-label ATM?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#Which_is_larger_MobiKwik_or_AGS_Transact\" title=\"Which is larger, MobiKwik or AGS Transact?\">Which is larger, MobiKwik or AGS Transact?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#Are_these_companies_in_Nifty_50\" title=\"Are these companies in Nifty 50?\">Are these companies in Nifty 50?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/one-mobikwik-vs-ags-transact-technologies-comparison\/#Does_UPI_affect_ATM_companies\" title=\"Does UPI affect ATM companies?\">Does UPI affect ATM companies?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Reach_and_Market_Position\"><\/span><strong>Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In this One MobiKwik vs AGS Transact Technologies comparison, MobiKwik provides digital wallet (UPI payments), BNPL (Zip EMI) and zip pay later for e-commerce, retail and utility bill payments to millions of Indian consumers. Market capitalisation is approximately Rs 800-1,200 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=mobikwik-vs-ags\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>AGS Transact manages ATM machines for banks (ATM managed services), operates white-label ATMs in underserved areas and provides cash management services. Market capitalisation is approximately Rs 500-800 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Products_and_Business_Mix\"><\/span><strong>Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For the One MobiKwik vs AGS Transact Technologies product breakdown, One MobiKwik: MobiKwik earns from payment processing fees, BNPL interest and financial services. Data is approximate &#8211; verify current financials from exchange filings. Listed 2024.<\/p>\n<p>AGS Transact Technologies: AGS Transact earns from ATM managed services fees and cash management. Data is approximate &#8211; the ATM business faces structural headwinds from UPI&#8217;s growth. Verify current financials from exchange filings.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Latest_Results_and_Financial_Data\"><\/span><strong>Latest Results and Financial Data<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the One MobiKwik vs AGS Transact Technologies results front: MobiKwik is a consumer-facing digital payments app with significant user base. As a recently listed company (2024), verify current financials from exchange filings.<\/p>\n<p>AGS Transact Technologies is an ATM services company under stress as digital payments (UPI) reduce ATM cash withdrawal demand. Investors should verify current financial health from exchange filings.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare One MobiKwik and AGS Transact Technologies Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Stock_Performance_and_Valuation\"><\/span><strong>Stock Performance and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investors tracking the One MobiKwik vs AGS Transact Technologies comparison should verify current prices on NSE or BSE before trading. The One MobiKwik vs AGS Transact Technologies stock data below reflects the latest available figures from Groww and public company filings.<\/p>\n<p>One MobiKwik versus AGS Transact Technologies: MobiKwik (consumer digital wallet, recently listed) vs AGS Transact (ATM managed services, structural headwinds from UPI). Both are small-cap fintech companies with different business models under different pressures.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"One_MobiKwik_vs_AGS_Transact_Technologies_Quick_Comparison_Table\"><\/span><strong>One MobiKwik vs AGS Transact Technologies: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The comparison table below summarises the key metrics side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/one-mobikwik-systems-ltd-share-price-today\">One MobiKwik<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/ags-transact-technologies-ltd-share-price-today\">AGS Transact Technologies<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Digital wallet + BNPL + UPI payments (consumer fintech, listed 2024)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ATM managed services + white-label ATMs + cash management (B2B banking infra)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx Rs 800-1,200 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx Rs 500-800 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx (verify from filings)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx (verify from filings)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Customer Type<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Retail consumers (UPI, wallet, BNPL)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Banks (ATM managed services)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Business Trend<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Growing (digital payment adoption)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Headwind (UPI reducing ATM cash use)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Listed<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">2024 (recently)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Earlier listed<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Status<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Early-stage listed fintech, verify financials<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ATM business under structural pressure<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The One MobiKwik vs AGS Transact Technologies comparison above covers reach, products, results and valuation. One MobiKwik versus AGS Transact Technologies covers consumer digital wallets versus ATM banking infrastructure. MobiKwik rides India&#8217;s digital payment wave. AGS Transact faces structural headwinds from UPI displacing ATM cash withdrawals. The MobiKwik and AGS comparison highlights two very different fintech business models &#8211; one growing, one under pressure. Investors must verify current financial performance from exchange filings. Consult a SEBI-registered advisor for personalised guidance.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track One MobiKwik and AGS Transact Technologies live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_does_MobiKwik_do\"><\/span><strong>What does MobiKwik do?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> MobiKwik operates a digital payments wallet allowing consumers to pay for e-commerce, utility bills and retail using stored money, UPI or BNPL (Buy Now Pay Later) through the MobiKwik app.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_does_AGS_Transact_Technologies_do\"><\/span><strong>What does AGS Transact Technologies do?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> AGS Transact manages ATM machines on behalf of banks (ATM managed services), operates its own white-label ATM network in rural\/semi-urban areas and provides cash management and cheque processing services.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_BNPL\"><\/span><strong>What is BNPL?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> BNPL (Buy Now Pay Later) lets consumers make purchases and pay in installments with low or zero upfront interest. MobiKwik offers Zip Pay Later &#8211; its BNPL product for e-commerce and offline merchants.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_white-label_ATM\"><\/span><strong>What is a white-label ATM?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> A white-label ATM is not branded by any particular bank &#8211; it is owned and operated by an independent company (like AGS Transact) and is accessed by customers of any bank.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_is_larger_MobiKwik_or_AGS_Transact\"><\/span><strong>Which is larger, MobiKwik or AGS Transact?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> MobiKwik at approximately Rs 800-1,200 Cr is marginally larger than AGS Transact at approximately Rs 500-800 Cr.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_these_companies_in_Nifty_50\"><\/span><strong>Are these companies in Nifty 50?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Neither is in Nifty 50.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_UPI_affect_ATM_companies\"><\/span><strong>Does UPI affect ATM companies?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. India&#8217;s rapid UPI adoption has significantly reduced cash withdrawal volumes from ATMs, creating structural headwinds for ATM-dependent companies like AGS Transact.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>One MobiKwik vs AGS Transact Technologies compared on digital payments, ATM management, fintech, ROE and valuation. 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