Onemi Technology Solutions Ltd
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]
- Market Cap ₹ 3,515 Cr.
- Current Price ₹ 209
- High / Low ₹ 227 / 190
- Stock P/E 69.2
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 9.43 %
- ROE 7.13 %
- Face Value ₹ 1.00
Pros
- Company is almost debt free.
Cons
- Company has a low return on equity of 9.27% over last 3 years.
- Contingent liabilities of Rs.1,265 Cr.
- Working capital days have increased from 74.6 days to 146 days
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Operating Profit |
| OPM % |
| Interest |
| Depreciation |
| Profit before tax |
| Tax % |
| EPS in Rs |
| Raw PDF |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| 32 | 156 | 264 | 429 | 321 | |
| 84 | 108 | 227 | 300 | 237 | |
| Operating Profit | -52 | 48 | 37 | 129 | 84 |
| OPM % | -163% | 31% | 14% | 30% | 26% |
| 0 | 0 | 7 | 0 | 0 | |
| Interest | 0 | 0 | 4 | 4 | 4 |
| Depreciation | 6 | 6 | 15 | 15 | 14 |
| Profit before tax | -58 | 41 | 26 | 111 | 67 |
| Tax % | 0% | -28% | 7% | 26% | 24% |
| -58 | 53 | 25 | 82 | 51 | |
| EPS in Rs | -237.97 | 217.21 | 50.57 | 172.52 | 94.91 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 27% |
| TTM: | -25% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | -1% |
| TTM: | -38% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 7% |
| 3 Years: | 9% |
| Last Year: | 7% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Equity Capital | 2 | 2 | 5 | 5 | 5 |
| Reserves | 151 | 215 | 544 | 662 | 754 |
| 5 | 5 | 5 | 38 | 32 | |
| 36 | 17 | 75 | 41 | 68 | |
| Total Liabilities | 194 | 241 | 629 | 746 | 859 |
| 17 | 11 | 53 | 40 | 29 | |
| CWIP | 0 | 0 | 0 | 0 | 5 |
| Investments | 161 | 161 | 296 | 431 | 581 |
| 17 | 68 | 279 | 276 | 244 | |
| Total Assets | 194 | 241 | 629 | 746 | 859 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| -36 | 39 | 76 | 53 | 82 | |
| 14 | -0 | -179 | -145 | -181 | |
| 0 | 0 | 295 | -18 | -10 | |
| Net Cash Flow | -22 | 39 | 192 | -110 | -110 |
| Free Cash Flow | -39 | 38 | 26 | 51 | 77 |
| CFO/OP | 69% | 87% | 202% | 51% | 115% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Debtor Days | 3 | 12 | 32 | 114 | 93 |
| Inventory Days | |||||
| Days Payable | |||||
| Cash Conversion Cycle | 3 | 12 | 32 | 114 | 93 |
| Working Capital Days | -259 | -24 | -13 | 91 | 146 |
| ROCE % | 22% | 8% | 18% | 9% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015
3h - On May 8, 2026, board adopted fair disclosure code under SEBI PIT regulations.
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Disclosure Under Regulation 30(5) Of The SEBI (LODR) Regulations 2015
4h - Discloses KMPs authorized under Regulation 30(5) for materiality decisions and stock exchange disclosures.
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Closure of Trading Window
4h - Trading window closed from May 8, 2026 until 48 hours after FY26 audited results.
- Listing of Equity Shares of OnEMI Technology Solutions Ltd 11h
Annual reports
No data available.
Business Profile:[1][2]
OnEMI Technology Solutions Ltd operates as a technology-driven digital lending platform under its flagship brand, Kissht. The company focuses on the mass-market retail sector, specifically targeting the underserved and emerging middle-class segments. It provides fully digital, instant credit solutions, streamlining the borrowing process for customers who traditionally lack access to conventional financing.