ONEMI TECHNOLOGY SOL LTD KISSHT NSEFINANCIAL
OnEMI Technology Solutions Limited provides digital loans through its mobile application. It offers personal and business loans; loan against property; and swift, accessible, and personalized credit solutions. The company provides loan products, such as small-ticket personal loans; and secured loans like Loan Against Property (LAP)leveraging deep data analytics, alternative credit scoring, and robust technology infrastructure. It also offers business of retail and institutional distribution of the schemes of insurance, warranty, wallet protection or any other financial products issued by banks, insurance or any financial intermediary to solicit insurance and to act as a corporate agent. The company was incorporated in 2016 and is based in Mumbai, India.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Strong return on equity of 24.0%.
- Healthy ROCE of 21.1%.
- Compounding revenue at 16.6% over 5 years.
- Profit CAGR of 140.9% over 5 years.
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | KISSHT ONEMI TECHNOLOGY SOL LTD NSEFINANCIAL | 259.70 | 27.19 | ₹4,375.50 Cr | - | 21.13% | 23.97% | 16.56% | 140.95% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.60 | 16.62 | ₹11.46 L Cr | 1.74% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,317.00 | 17.62 | ₹9.44 L Cr | 0.85% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,000.70 | 10.97 | ₹9.24 L Cr | 1.73% | - | 15.48% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 870.55 | 28.54 | ₹5.41 L Cr | 0.61% | - | 17.91% | 22.58% | 18.23% |
| 6 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,317.30 | 15.59 | ₹4.10 L Cr | 0.08% | - | 13.15% | 12.19% | 34.61% |
| 7 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 393.35 | 20.27 | ₹3.91 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 8 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,645.10 | 26.93 | ₹2.63 L Cr | 0.08% | - | 14.60% | 20.09% | 15.16% |
| 9 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 393.20 | 8.66 | ₹2.49 L Cr | 2.53% | - | 42.36% | 7.61% | 16.86% |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Revenue | 984.46 Cr | 1,674.45 Cr | 1,337.46 Cr |
| Cost of Revenue | 97.65 Cr | 144.09 Cr | 221.43 Cr |
| Gross Profit | 886.81 Cr | 1,530.36 Cr | 1,116.03 Cr |
| Operating Expenses | 576.74 Cr | 890.43 Cr | 381.06 Cr |
| Operating Income | 310.08 Cr | 639.93 Cr | 734.98 Cr |
| EBITDA | 63.46 Cr | 316.05 Cr | 300.75 Cr |
| Interest Expense | 21.65 Cr | 26.20 Cr | 61.79 Cr |
| Pretax Income | 23.95 Cr | 267.44 Cr | 216.26 Cr |
| Tax Provision | -3.71 Cr | 70.15 Cr | 55.64 Cr |
| Net Income | 27.67 Cr | 197.29 Cr | 160.62 Cr |
| Diluted EPS | 1.64 | 11.71 | 9.53 |
Compounded Sales Growth
| 5 Years: | 16.56% |
| 1 Year: | 70.90% |
Compounded Profit Growth
| 5 Years: | 140.95% |
| 1 Year: | 49.20% |
Stock Price Performance
| 1 Year: | -3.94% |
| 6 Months: | - |
| 3 Months: | - |
| 1 Month: | - |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Total Assets | 1,275.20 Cr | 1,796.53 Cr | 2,701.10 Cr |
| Current Assets | 1,073.54 Cr | 1,450.66 Cr | 2,161.32 Cr |
| Cash & Equivalents | 569.97 Cr | 285.04 Cr | 132.72 Cr |
| Inventory | - | - | - |
| Receivables | 39.41 Cr | 139.19 Cr | 34.56 Cr |
| Total Liabilities | 708.97 Cr | 991.96 Cr | 1,695.11 Cr |
| Current Liabilities | 645.00 Cr | 781.75 Cr | 1,385.32 Cr |
| Long Term Debt | 19.84 Cr | 168.78 Cr | 269.31 Cr |
| Total Debt | 443.50 Cr | 836.05 Cr | 1,556.35 Cr |
| Total Equity | 566.23 Cr | 804.57 Cr | 1,005.99 Cr |
| Shares Outstanding | 16.85 Cr | 16.85 Cr | 16.85 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Operating Cash Flow | 111.48 Cr | -637.43 Cr | -661.43 Cr |
| Investing Cash Flow | -72.45 Cr | 40.42 Cr | -33.23 Cr |
| Financing Cash Flow | 443.59 Cr | 312.08 Cr | 542.34 Cr |
| Capital Expenditure | -9.11 Cr | -3.04 Cr | -7.75 Cr |
| Free Cash Flow | 102.37 Cr | -640.48 Cr | -669.17 Cr |
| Net Change in Cash | 482.62 Cr | -284.93 Cr | -152.31 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Gross Margin % | 90.1% | 91.4% | 83.4% |
| Operating Margin % | 31.5% | 38.2% | 55.0% |
| Net Margin % | 2.8% | 11.8% | 12.0% |
| ROE % | 4.9% | 24.5% | 16.0% |
| ROCE % | 49.2% | 63.1% | 55.9% |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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