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OnEMI Technology Solutions Ltd (KISSHT)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 544754 NSE: KISSHT Finance - NBFC | Small Cap | OnEMI Technology Share Price
₹339.40 10.50 (3.19%)
As on 15-Sep'26 16:59
OnEMI Technology Solutions Ltd (KISSHT)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 544754 NSE: KISSHT Finance - NBFC | Small Cap | OnEMI Technology Share Price
₹339.40 10.50 (3.19%)
As on 15-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹6,017 Cr.
Current Price
₹339.4
52-Week Low / High
₹190 / 351
TTM EPS
₹15.9
Book Value per Share
₹119.5
P/E Ratio
21.38
Lower than its 5-year historical median
Industry PE
26.3
Price to Book (P/B)
2.84
In line with its 5-year historical median
EV/EBITDA
11.76
Lower than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
27.72%
Outperforms industry median
Return on Capital Employed (ROCE)
21.53%
Outperforms industry median
Return on Assets (ROA)
8.55%
Outperforms industry median
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
129.73%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
-41.8%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹2,179 Cr.
Reserves
₹2,101 Cr.
Equity
₹17.7 Cr.
Face Value
₹1
All Time Low / High
₹190.35 / 351.00
Check Before You Invest
Quality
Not GoodValuation
OvervaluedCheck Valuation charts
Price Trend
Strong
Is OnEMI Technology Solutions Ltd a good quality company?
OnEMI Technology Solutions Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does OnEMI Technology Solutions Ltd performance compare with that of its Peers?
AUM Growth of OnEMI Technology Solutions Ltd vs Industry Peers?
OnEMI Technology Solutions Ltd AUM CAGR is 48.12%, compared to the 3-year industry median CAGR of 10.76%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of OnEMI Technology Solutions Ltd?
Promoters hold 24.80% of the OnEMI Technology Solutions Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of OnEMI Technology Solutions Ltd over the last decade?
Over the last - years, the stock has delivered a CAGR of N/A% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
OnEMI Technology Solutions Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 259 | 412 | 306 | 698 | 698 | |||||||
| YoY Gr. Rt. % | - | 59.2% | -25.7% | 128% | - | |||||||
| Adj EPS (₹ ) | 5.1 | 17.3 | 9.5 | 12.1 | 8.1 | |||||||
| YoY Gr. Rt. % | - | 240.9% | -45% | 27.8% | - | |||||||
| BVPS (₹ ) | 99.6 | 117.4 | 114.9 | 66.9 | 48.1 | |||||||
| YoY Gr. Rt. % | - | 17.9% | -2.1% | -41.8% | - | |||||||
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 4 | 11.9 | 6.3 | 14.2 | 0 | |||||||
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | NA | NA | 39.2% | 128% | ||||
| Adj EPS | NA | NA | 33.8% | 27.8% | ||||
| BVPS | NA | NA | -12.4% | -41.8% | ||||
| Share Price | - | - | - | - | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | - | |||||||
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | - | |||||||
| Margins | ||||||||||||
| Net Profit Margin (%) | 9.5 | 20 | 16.6 | 20.6 | 20.6 | |||||||
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 5.1 | 15.8 | 8.7 | 20.4 | 16.9 | |||||||
Valuation of OnEMI Technology - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|
| Income + | 1,005 | 1,700 | 1,518 | 2,210 |
| Exceptional Items ⓘ | 21 | 26 | 180 | 30 |
| Expenditure ⓘ + | 981 | 1,433 | 1,302 | 1,833 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 24 | 267 | 216 | 377 |
| Taxes ⓘ | -4 | 70 | 56 | 95 |
| Profit After Tax | 28 | 197 | 161 | 281 |
| Adjusted EPS (₹) | 5.8 | 41.3 | 30.0 | 23.7 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'23 | Mar'24 | Mar'25 | Mar'26 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 566 | 805 | 1,006 | 1,343 | ||||||
| Short term borrowings | 368 | 616 | 1,238 | 1,768 | ||||||
| Long Term Borrowings | -38 | 82 | 197 | 512 | ||||||
| Current Liabilities | 692 | 863 | 1,415 | 2,110 | ||||||
| Trade Payables | 25 | 32 | 52 | 105 | ||||||
| Other Liabilities | -393 | -647 | -1,290 | -1,872 | ||||||
| Total Liabilities ⓘ | 1,220 | 1,749 | 2,618 | 3,965 | ||||||
Assets | ||||||||||
| Non Current Asset + | 99 | 218 | 427 | 717 | ||||||
| Current Asset + | 1,121 | 1,532 | 2,191 | 3,248 | ||||||
| Total Assets ⓘ | 1,220 | 1,749 | 2,618 | 3,965 | ||||||
| PARTICULARS | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 111 | -637 | -661 | -461 |
| Cash Flow From Investing Activity ⓘ | -72 | 40 | -33 | -70 |
| Cash Flow From Financing Activity ⓘ | 444 | 312 | 542 | 608 |
| Net Cash Flow ⓘ | 483 | -285 | -152 | 77 |
| PARTICULARS | Mar'23 | Mar'24 | Mar'25 | Mar'26 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 57.90 | 412.70 | 299.50 | 23.70 | ||||||
| DPS (₹) | 0 | 0 | 0 | 0 | ||||||
| BVPS (₹) | 1041.7 | 1451.3 | 1599.2 | 98.7 | ||||||
Performance Ratios | ||||||||||
| ROA (%) | 2.3 | 13.3 | 7.4 | 8.6 | ||||||
| ROE (%) | 5.6 | 33.1 | 20.7 | 27.7 | ||||||
| ROCE (%) | 9.9 | 27.5 | 19.1 | 21.5 | ||||||
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.0 | 0.0 | 0.0 | 0.0 | ||||||
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
OnEMI Technology Solutions Ltd FAQs
The current trading price of OnEMI Technology on 15-Sep-2026 16:59 is ₹339.4.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 14-Sep-2026 the market cap of OnEMI Technology stood at ₹6,016.5 Cr
The latest P/E ratio of OnEMI Technology as of 14-Sep-2026 is 41.75.
The latest P/B ratio of OnEMI Technology as of 14-Sep-2026 is 7.06.
The 52-week high of OnEMI Technology is ₹351.0 and the 52-week low is ₹190.3.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of OnEMI Technology is ₹698 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that OnEMI Technology Solutions Ltd is a below average quality company.
The key valuation ratios of OnEMI Technology Solutions Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of OnEMI Technology Solutions Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
About OnEMI Technology Solutions Ltd
OnEMI Technology Solutions was incorporated as ‘OnEMI Technology Solutions Private Limited’ as a private limited company. The company was subsequently converted into a public limited company pursuant to the resolution passed by the Board of Directors on June 16, 2025, and special resolution passed by the Shareholders on June 17, 2025, and the name of the company was changed to ‘OnEMI Technology Solutions Limited’ on July 8, 2025. It operates through its ‘Kissht’ brand.
The company is a technology-enabled lender in India, primarily offering digital loans through its mobile application for various consumption and business needs. It provides swift, accessible and personalized credit solutions to support its customers throughout their financial journeys. It uses various online and offline channels to acquire customers, including through digital marketing on search engines and social media platforms, partnerships with small businesses (shop owners and retail outlets), and collaborations with e-commerce players and loan aggregators.
It utilizes advanced data analytics, artificial intelligence (AI) and machine learning (ML) led statistical models for risk management across its processes from making credit decisions to collections. Its proprietary AI and ML algorithms utilize multiple key data variables including credit history, know-your-customer (KYC) credentials, banking and transactional data and digi-data, within a secure and consent-driven environment, to enable rapid and accurate decisioning. Its collections infrastructure is built on the back of its proprietary Automated Collections System (ACS), along with a team of tele-callers and on-ground fleet-on-street. Its ACS is an AI-driven platform that effectively manages collections across pre-delinquency, early delinquency and late delinquency stages, thus improving recovery outcomes.
Business area of the company
The company, along with its subsidiary, is engaged in the business of providing financial technology solutions to enable use of instant EMI / instalment solutions to consumers, and in providing the technology platform to enable the above, providing customer acquisition services and loan origination services to financiers/lending partners. It is also engaged in the business of providing personal loans by using digital lending applications viz; ‘Kissht’ and ‘Pay with Ring’ which are owned by the company and lending activities in the form of providing Loan Against Property.
Products of the company
- Personal loans: Offered to salaried and self-employed individuals for various consumption and business needs.
- Loan against property: Offered to asset-owning MSME and salaried individual seeking long term loans for business expansion and working capital needs.
Awards, accreditations and recognition
- 2019: Awarded ‘Most Innovative Fintech Product’ by ET Now.
- 2019: Awarded ‘Best Lending Tech of the Year’ by ET Now.
- 2022: Awarded ‘Best in identity & Access Management-Financial Services’ at the 3rd Annual BFSI Technology Excellence Awards by Quantic.
- 2022: Recognized for entering the 2022 ASK Private Wealth Hurun India Future Unicorn Index by Hurun India.
- 2022: Awarded ‘Cyber Security Initiative of the Year’ at BFSI Tech Summit and Awards, 2022 by USB Forums.
- 2022: Awarded the ‘FinTech Startup of the Year’ at Expleo 3rd Annual BFSI Technology Excellence Award.
- 2022: Awarded ‘Best Start-Up of the Year’ at MSME India Business Awards in financial services category.
- 2022: Recognised as the ‘Best Fintech Credit Platform’ at the BFSI Leadership Awards, 2022.
- 2022: Awarded ‘CXO Tech Innovation Award’ at the CXO Tech Summit and Awards, 2022 in credit and payment experience category.
- 2022: Awarded ‘Best Fintech NBFC of the Year’ at India NBFC Summit and Awards, 2022 by Synnex.
- 2022: Received the ISO/IEC 27001:2022 accreditation for its information security management system by InterCert.
- 2022: Certified with INTERCERT ISCO/IEC 27001:2022.
- 2022: Awarded as the ‘Most Promising CX Strategy of the Year’ at India Customer Excellence Summit and Awards 2022.
- 2023: Recognised as ‘Progressive Places to Work’ by ET Now, the Times Group.
- 2023: Awarded the ‘Best Fintech Startup Award’ at Fintech India Innovation Awards.
- 2023: Recognised as the ‘Best Organisations for Women, 2023’ by the Economic Times.
- 2023: Awarded ‘Great Place to Work’ for the year January 2023 - January 2024.
- 2024: Awarded ‘ET Best BFSI Brands’ for 2024.
- 2024: Recognised as the ‘Best Organisations for Women, 2024’ by Times Group.
- 2024: Recognized as ‘Fastest Growing Fintech Company of the Year’ at the 2nd edition of BFSI Leadership Awards, 2024.
- 2024: Awarded at the ‘Power of PR and Corp Comm’ award at the Afaqs Communicon Awards, 2024 in BFSI Category.
- 2024: Recognized as one of the ‘Best BFSI Brands - 2024’ by ET Edge, the Times Group.
- 2024: Certified as a ‘Great Place To Work’ for the year January 2024 - January 2025.
- 2025: Recognized as one of the ‘Best BFSI Brands - 2025’ by ET Edge, the Times Group.
- 2025: Certified as ‘Great Place To Work, India’ by Great Place to Work, India.
- 2025: Recognised among the ‘Marksmen Daily Most Trusted Brand of India’ (5th Edition) for 2025-26.
- 2025: The company’s Instant Loans were recognised in the BFSI and Fintech category at the ‘ET Brand Disruption Awards, 2025’ by ET Brand Equity.
- 2025: Recognized as one of the ‘Iconic Brands of India - 2025’ by ET Edge, the Times Group.
History and milestones
- 2016: Incorporation of the company.
- 2016: Acquisition of the fast-banking business of Si Creva, the Subsidiary by the company.
- 2016: Registration of Si Creva, the Subsidiary as an NBFC by RBI.
- 2016: Launch of application program of ‘Kissht’, the company’s digital lending platform.
- 2022: Entered merchant-led sales.
- 2022: The company’s AUM scaled to Rs 3,733.98 million.
- 2023: The company’s AUM scaled to Rs 12,679.28 million.
- 2023: The company’s AUM became a ‘Middle-layer’ NBFC under the NBFC Scale Based Regulations.
- 2023: Receipt of ISO/IEC 27001:2022 certification.
- 2024: Launched loans against property as the company’s product.
- 2024: Onboarded Sachin Tendulkar as a strategic investor and brand ambassador.
- 2024: The company’s AUM scaled to Rs 26,042.75 million.
- 2025: The company’s AUM scaled to Rs 55,327.77 million.
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