mPokket offers instant loan services in India for individuals, including college students and self-employed individuals, providing quick and hassle-free access to small ticket size loans.

mPokket

City Union Bank Limited provides various banking products and services to personal and corporate clients in India. The company operates through four segments: Treasury, Corporate, Retail Banking, and Other Banking Operations. It offers savings, current, and salary accounts; fixed, flexi fix, recurring, and tax saver deposits; and NRI banking products and services. The company also provides consumer, two and four-wheeler, home, educational, personal and agricultural gold, working capital, easy business, foreign currency, agricultural term, and small road transport operator loans; cash credits, bank guarantees, letters of credit, and bills finance, as well as gold based overdrafts facilities; and international business services, including export, import, remittance, correspondent banking, and treasury risk management services. In addition, it offers locker facilities, automated teller machines (ATMs), cash deposit machines/bulk note acceptors, and point of sales services, as well as demat and insurance products and services; and debit/prepaid and credit cards. Further, the company provides cash management, payment to government, national electronic fund transfer, immediate payment, real time gross settlement, national automatic clearing house, and other tech services. As of March 31, 2022, it operated through a network of 727 branches; 1,732 ATMs, including 789 bulk note recycler machines; 610 passbook kiosks; and 589 cheque deposit kiosks. The company was formerly known as The Kumbakonam City Union Bank Limited and changed its name to City Union Bank Limited in November 1987. City Union Bank Limited was incorporated in 1904 and is based in Kumbakonam, India.

City Union Bank Limited

HDFC Credila provides education loans to students for higher education, facilitating financial support to those pursuing studies both domestically and abroad.

HDFC Credila

Neev Finance provides education loans for school fees, college fees, coaching fees, and vocational skill development courses fees. The company is an RBI registered NBFC that offers collateral-free loans with flexible repayment options.

Metric
Company Name	mPokket	City Union Bank Limited	HDFC Credila	Neev Finance
Symbol		CUB
MSH ID	IN:MPOKKET	COM:CITYUNIONBANK	COM:HDFCCREDILA	COM:NEEVFINANCE
Market	PRIVATE	STOCKS	PRIVATE	PRIVATE
Sector	Financial Services & Finance	Financial Services	Financial Services & Finance	Financial Services & Finance
Industry	Fintech	Banks - Regional	Education Financing	Education Finance
Country	IN	IN	IN	IN
Stage
Employee Count		6.02K
Website	mpokket.in	cityunionbank.com	hdfccredila.com	neevfinance.com
LinkedIn
Founders

Metric
Market Cap		1.42B
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue		709.81M
Revenue (LTM)
Revenue (NTM)
Gross Profit		709.81M
EBITDA		8.90M
Operating Income		145.30M
Net Income		119.92M
EPS		0.16
Diluted EPS		0.16
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin		1
Operating Profit Margin		0.74
EBITDA Margin		0.01
Net Profit Margin		0.34
Return on Equity		0.17
Return on Assets		0.01
Return on Capital Employed		0.07

IN:MPOKKET

mPokket

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio		10.27
P/B Ratio		1.27
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio		4.18
EV Multiple		45.69

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover		0.06

Metric
Operating Cash Flow		148.36M
Free Cash Flow		128.49M
Cash Flow to Debt
Operating Cash Flow/Sales
Free Cash Flow Yield

Metric
Cash & Equivalents		-819.76M
Accounts Receivable
Inventory
Goodwill
Debt to Capitalization		0.51
Debt to Assets		0.07
Current Ratio
Quick Ratio		0.32

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue