OnEMI Technology Solutions logo

OnEMI Technology Solutions

KISSHT NSE

Key Fundamentals

MicrocapOther Financial ServicesFinancial Services
Market Cap
₹5,487 Cr
Volatility
Moderate
P/E Ratio
18.6
EBITDA
₹681 Cr
Return on Equity
20.96%
Debt to Equity
1.81
Book Value
₹123.75
52W High
₹351.5
52W Low
₹190

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Strengths

2
  • Company has delivered good profit growth of 46.8% CAGR over last 5 years
  • Debtor days have improved from 23.7 to 17.2 days.

Weaknesses

1
  • Promoter holding is low: 24.8%

Growth Rate

Revenue Growth
63.31% higher than 3Y
Net Income Growth
75.28% lower than 3Y
Cash Flow Change
30.33% higher than 3Y
ROE
31.25% higher than 3Y
ROCE
13.83% higher than 3Y
EBITDA Margin (Avg.)
3.32% lower than 3Y

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 44d ago
AI opinion · based on fundamentals
Risk high

Onemi Technology Solutions (KissHT) is a digital lending platform with a market cap of ₹5,512 Cr, trading at a PE of 16.9x with ROE of 24% in the last year. The company has demonstrated strong revenue growth of 62% TTM and profit growth of 75% TTM, though promoter holding remains low at 24.8%.

Bull Case 8
  • Exceptional TTM revenue growth of 62%, indicating strong demand for its digital lending products
  • TTM profit growth of 75% significantly outpaces revenue growth, showing improving operating leverage
  • 5-year compounded profit CAGR of 46.8% demonstrates sustained earnings momentum over a longer period
  • Consistent ROE profile — 22% over 5 years, 23% over 3 years, and 24% last year — shows improving capital efficiency
  • PE ratio of 16.9x is relatively modest for a fintech company delivering 62% top-line and 75% bottom-line growth
  • Debtor days improved from 23.7 to 17.4 days, reflecting better collection efficiency and asset quality discipline
  • Working capital cycle reduced from 290 days to 150 days, freeing up capital for growth without proportional funding needs
  • 5-year compounded sales CAGR of 66% reflects a long runway of consistent revenue scale-up, not just a one-year spike
Bear Case 8
  • Promoter holding at just 24.8% is notably low, raising concerns about alignment of interests and potential dilution risk
  • Zero dividend yield suggests all earnings are being retained with no near-term shareholder return commitment
  • Debt-to-equity ratio is not disclosed, creating opacity around leverage in a lending business where balance sheet risk is critical
  • Price-to-book of 2.44x means investors are paying a premium over book value, which carries downside risk if growth slows
  • No 52-week high/low data available, making it difficult to assess current valuation relative to recent trading range
  • 3-year compounded sales CAGR of 30% is notably lower than the 5-year CAGR of 66%, suggesting possible deceleration in the middle period before recent re-acceleration
  • As a digital lending NBFC, the company faces regulatory tightening risk from RBI guidelines on unsecured lending and digital lending norms
  • EPS data is unavailable, limiting per-share earnings visibility for minority shareholders

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 42d ago
Positives 3
  • AUM surges 60.9% YoY Jul 4

    OnEMI reported AUM growth of 60.9% YoY to ₹8,001 Cr in Q1FY27, with disbursements rising 37.1% to ₹3,812 Cr, exceeding its own 40%+ growth guidance.

  • Q1FY26 profit up 59% YoY Jul 29

    Consolidated net profit rose 59% YoY to ₹950.77 million for Q1FY26, with revenue growing 45% to ₹6,695 million as IPO proceeds fueled loan disbursements.

  • LAP breakeven by Q3 FY27 Jul 31

    Management projected LAP business breakeven in Q3 FY27 with 20%+ ROE thereafter, reaffirmed 15% credit cost reduction target, and expects to overachieve 40%+ AUM growth guidance having already grown 13% in one quarter.

Neutral 3
  • AMFI registration until July 2029 Jul 15

    Wholly owned subsidiary Invincible Minds received AMFI registration valid from July 13, 2026 to July 12, 2029, authorising mutual fund product distribution.

  • Q1FY27 earnings call scheduled Jul 25

    Q1FY27 earnings conference call scheduled for July 30, 2026 at 12:00 PM IST featuring CEO Ranvir Singh and CFO Krishnan Vishwanathan.

  • BDO India appointed internal auditor Jul 9

    Board approved BDO India Services Pvt. Ltd as internal auditor for FY 2026-27 at its July 9, 2026 meeting.

TL;DR: OnEMI is executing strongly with 60.9% AUM growth and 59% profit growth, comfortably beating its own guidance targets. The company is diversifying into LAP and mutual fund distribution while maintaining credit quality discipline. No material headwinds are visible in recent news flow. The trend is clearly improving, though investors should watch credit costs and asset quality as the loan book scales rapidly.

Quarterly Results

Particulars Mar 2025Jun 2025Dec 2025Mar 2026Jun 2026
Sales
369
463
591
619
670
Expenses
246
321
417
433
462
Operating Profit
123
142
175
186
207
OPM %
33%
31%
30%
30%
31%
Other Income
4
3
10
6
7
Interest
52
59
75
77
82
Depreciation
5
5
5
5
5
PBT
70
80
104
110
128
Tax %
23%
25%
26%
25%
26%
Net Profit
54
60
77
82
95
EPS in Rs
101
11.14
14.25
6.92
5.64
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Sales
175
517
1,000
1,700
1,352
2,209
Expenses
198
430
876
1,307
914
1,470
Operating Profit
-23
86
124
393
438
739
OPM %
-13%
17%
12%
23%
32%
33%
Other Income
1
0
1
0
0
0
Interest
26
26
83
103
199
341
Depreciation
6
7
18
23
23
22
PBT
-55
54
24
267
216
377
Tax %
6%
-16%
-15%
26%
26%
25%
Net Profit
-58
63
28
197
161
281
EPS in Rs
-240
258
56.7
413
299
23.7
Div. Payout %
0%
0%
0%
0%
0%
0%
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
2
2
5
5
5
12
Reserves
158
233
556
794
995
1,331
Borrowings
125
144
449
841
1,562
2,429
Other Liabilities
60
162
267
156
139
217
Total Liabilities
345
541
1,276
1,797
2,701
3,989
Fixed Assets
18
12
66
57
53
43
CWIP
0
0
0
0
5
6
Investments
1
0
0
0
0
8
Other Assets
326
529
1,210
1,739
2,643
3,931
Total Assets
345
541
1,276
1,797
2,701
3,989
Figures in ₹ Crores

Cash Flow

Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
79
-16
48
-637
-661
-461
Investing
100
33
24
40
-33
-70
Financing
-202
19
507
312
542
608
Net Cash Flow
-23
37
579
-285
-152
77
Free Cash Flow
75
-15
58
-640
-669
-471
CFO/OP
-340
20
70
-140
-141
-45
Figures in ₹ Crores

Ratios

Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days
2
4
24
35
19
17
Cash Conversion Cycle
2
4
24
35
19
17
Working Capital Days
310
135
54
211
509
441
ROCE %
—
24%
15%
28%
20%
23%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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37 extracted metrics + investor summaries across FY21–FY27.

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Shareholding Pattern

Others35.91%Promot.24.80%FIIs7.64%Public12.61%DIIs19.04%As ofJun 2026
A trend needs at least two reported periods.

Documents

Frequently Asked Questions about OnEMI Technology Solutions

What does Onemi Technology Solutions Ltd do?
Incorporated in 2016, OnEMI Technology Solutions Limited is a technology-enabled lender in India, primarily offering digital loans through its mobile application for various consumption and business needs.[1]
Where is Onemi Technology Solutions Ltd (KISSHT) listed?
Onemi Technology Solutions Ltd trades as KISSHT on the NSE and under code 544754 on the BSE.
Which sector does Onemi Technology Solutions Ltd belong to?
Onemi Technology Solutions Ltd is classified under the Financial Services sector, in the Other Financial Services industry.
What is the market capitalisation of Onemi Technology Solutions Ltd?
Onemi Technology Solutions Ltd has a market capitalisation of ₹5,487 Cr, which places it in the Mid Cap band.
What is the PE ratio of Onemi Technology Solutions Ltd?
Onemi Technology Solutions Ltd trades at a PE ratio of 18.60, against a book value of ₹123.75 per share.
What is the 52-week high and low of Onemi Technology Solutions Ltd?
Over the last 52 weeks Onemi Technology Solutions Ltd has traded between ₹190 and ₹351.5.
What is the Return on Equity (ROE) of Onemi Technology Solutions Ltd?
Onemi Technology Solutions Ltd reported a return on equity of 20.96%. Its debt-to-equity ratio is 1.81.

Company Information

Incorporated in 2016, OnEMI Technology Solutions Limited is a technology-enabled lender in India, primarily offering digital loans through its mobile application for various consumption and business needs.[1]

Website onemi.in
Listed 2026-05-08
Face Value ₹ 1

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