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 ₹ 7,204 Cr.
- Current Price ₹ 352
- High / Low ₹ 388 / 190
- Stock P/E 19.0
- Book Value ₹ 133
- Dividend Yield 0.00 %
- ROCE 22.7 %
- ROE 24.0 %
- Face Value ₹ 1.00
Pros
- 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.
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Promoter holding has decreased over last quarter: -4.38%
- Promoter holding is low: 20.4%
- Company's cost of borrowing seems high
* 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.
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|
| 175 | 517 | 1,000 | 1,700 | 1,352 | 2,209 | 2,612 | |
| Sales growth | +195% | +94% | +70% | -20% | +63% | ||
| 198 | 430 | 876 | 1,307 | 914 | 1,470 | 1,821 | |
| Operating Profit | -23 | 86 | 124 | 393 | 438 | 739 | 791 |
| OPM % | -13% | 17% | 12% | 23% | 32% | 33% | 30% |
| 1 | 0 | 1 | 0 | 0 | 0 | 31 | |
| Interest | 26 | 26 | 83 | 103 | 199 | 341 | 306 |
| Depreciation | 6 | 7 | 18 | 23 | 23 | 22 | 21 |
| Profit before tax | -55 | 54 | 24 | 267 | 216 | 377 | 496 |
| Tax % | 6% | -16% | -15% | 26% | 26% | 25% | |
| -58 | 63 | 28 | 197 | 161 | 281 | 379 | |
| EPS in Rs | -24.05 | 25.77 | 5.67 | 41.27 | 29.97 | 23.70 | 33.83 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 66% |
| 3 Years: | 30% |
| TTM: | 63% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 47% |
| 3 Years: | 117% |
| TTM: | 75% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 22% |
| 3 Years: | 23% |
| Last Year: | 24% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Sep 2026 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 2 | 2 | 5 | 5 | 5 | 12 | 18 |
| Reserves | 158 | 233 | 556 | 794 | 995 | 1,331 | 2,360 |
| 125 | 144 | 449 | 841 | 1,562 | 2,429 | 1,643 | |
| 60 | 162 | 267 | 156 | 139 | 217 | 944 | |
| Total Liabilities | 345 | 541 | 1,276 | 1,797 | 2,701 | 3,989 | 4,965 |
| 18 | 12 | 66 | 57 | 53 | 43 | 45 | |
| CWIP | 0 | 0 | 0 | 0 | 5 | 6 | 0 |
| Investments | 1 | 0 | 0 | 0 | 0 | 8 | 0 |
| 326 | 529 | 1,210 | 1,739 | 2,643 | 3,931 | 4,920 | |
| Total Assets | 345 | 541 | 1,276 | 1,797 | 2,701 | 3,989 | 4,965 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 79 | -16 | 48 | -637 | -661 | -461 | |
| 100 | 33 | 24 | 40 | -33 | -70 | |
| -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/EBITDA Share of operating profit converting into cash: CFO (before tax) / Operating Profit | -340% | 20% | 70% | -140% | -141% | -45% |
Ratios
Consolidated / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Debtor Days | 2 | 4 | 24 | 35 | 19 | 17 |
| Inventory Days | ||||||
| Days Payable | ||||||
| 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
In beta| Mar 2023 | Mar 2024 | Dec 2025 | |
|---|---|---|---|
| Assets Under Management ₹ Cr |
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| Customers Served (Cumulative) Mn |
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| Disbursements ₹ Cr |
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| Gross NPA (Stage 3) % |
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| LAP Branches # |
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| Loan Against Property Share of AUM % |
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| 1st EMI 90+ DPD % |
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Extracted by Screener AI
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Change in Directorate
- Appointment of Mr. Venkatadri Chandrasekaran as an Additional Non-Executive Independent Director of the Company.
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Outcome Of Board Meeting Held On November 14, 2026.
- Board appointed Venkatadri Chandrasekaran as additional independent director from November 14, 2026; postal ballot to seek approval.
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
- Company to meet investors at JM Financial and BofA events on November 16-17, 2026.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
- Kissht crosses ₹10,000 crore AUM, aided by AI-led lending and ₹832.2 crore preferential issue.
Concalls
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Nov 2026Transcript PPT REC
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Aug 2026Transcript PPT
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Jun 2026Transcript PPT REC
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.