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 ₹ 4,414 Cr.
- Current Price ₹ 262
- High / Low ₹ 274 / 190
- Stock P/E 27.5
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 19.8 %
- ROE 17.8 %
- Face Value ₹ 1.00
Pros
- Debtor days have improved from 26.9 to 18.9 days.
Cons
- Promoter holding is low: 24.8%
- Working capital days have increased from 360 days to 509 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
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Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Operating Profit |
| OPM % |
| Interest |
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| Profit before tax |
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| EPS in Rs |
| Raw PDF |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| 175 | 517 | 1,700 | 1,352 | |
| 198 | 430 | 1,307 | 914 | |
| Operating Profit | -23 | 86 | 393 | 438 |
| OPM % | -13% | 17% | 23% | 32% |
| 1 | 0 | 0 | 0 | |
| Interest | 26 | 26 | 103 | 199 |
| Depreciation | 6 | 7 | 23 | 23 |
| Profit before tax | -55 | 54 | 267 | 216 |
| Tax % | 6% | -16% | 26% | 26% |
| -58 | 63 | 197 | 161 | |
| EPS in Rs | -240.36 | 257.50 | 412.72 | 299.49 |
| Dividend Payout % | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 38% |
| TTM: | -20% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 37% |
| TTM: | -19% |
| Stock Price CAGR | |
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| Last Year: | 18% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| Equity Capital | 2 | 2 | 5 | 5 |
| Reserves | 158 | 233 | 794 | 995 |
| 125 | 144 | 841 | 1,562 | |
| 60 | 162 | 156 | 139 | |
| Total Liabilities | 345 | 541 | 1,797 | 2,701 |
| 18 | 12 | 57 | 53 | |
| CWIP | 0 | 0 | 0 | 5 |
| Investments | 1 | 0 | 0 | 0 |
| 326 | 529 | 1,739 | 2,643 | |
| Total Assets | 345 | 541 | 1,797 | 2,701 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| 79 | -16 | -637 | -661 | |
| 100 | 33 | 40 | -33 | |
| -202 | 19 | 312 | 542 | |
| Net Cash Flow | -23 | 37 | -285 | -152 |
| Free Cash Flow | 75 | -15 | -640 | -669 |
| CFO/OP | -340% | 20% | -140% | -141% |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| Debtor Days | 2 | 4 | 35 | 19 |
| Inventory Days | ||||
| Days Payable | ||||
| Cash Conversion Cycle | 2 | 4 | 35 | 19 |
| Working Capital Days | 310 | 135 | 211 | 509 |
| ROCE % | 24% | 20% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 4h
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Key Performance Indicators
7h - OnEMI Technology Solutions uploaded prospectus KPIs on its website.
- Announcement under Regulation 30 (LODR)-Investor Presentation 8h
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
8h - Kissht reported FY26 PAT up 75% to ₹281 Cr; AUM crossed ₹7,066 Cr, with FY27 guidance.
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Shareholder Meeting / Postal Ballot-Notice of Postal Ballot
9h - Postal ballot seeks approval for ESOP 2019, 2021 and 2022 amendments; remote voting May 29-June 27, 2026.
Annual reports
No data available.
Concalls
-
May 2026TranscriptAI SummaryPPT
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.