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ONEMI TECHNOLOGY SOL LTD KISSHT NSEFINANCIAL

Financial Services · Credit Services · India
https://www.onemi.in
Company Profile ↓
₹340.15
+63.04% 1Y
Mkt Cap₹5,730.95 Cr
P/E14.35
P/B1.92
52W High₹345.95
52W Low₹196.07
Book Value₹79.71
EPS (TTM)₹23.70

Company Overview

OnEMI Technology Solutions Limited operates as a digital lending platform revolutionizing access to credit in India. It also provides loan products, such as small-ticket personal loans; and secured loans, including loans against property which leveraging deep data analytics, alternative credit scoring, and robust technology infrastructure. In addition, the company offers Kissht, a financial platform that simplifies access to credit specializing in easy-to-avail personal and business loans; and PaywithRING, a cutting-edge digital application designed to provide instant loans in just minutes with zero documentation, digital KYC, and direct bank transfers. The company was incorporated in 2016 and is based in Mumbai, India.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 20.9%, reflecting efficient use of shareholder capital.

Healthy Capital Returns

Return on capital employed stands at 21.1%.

Consistent Profit Growth

Net profit has compounded at 140.9% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 16.6% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 14.3, below the sector median of 19.9.

Healthy Margins

Operating margin of 28.9% supports profitability.

Recent Developments

  • Mar 2026 Revenue of ₹2,179.00 Cr (+62.9% YoY); net profit ₹281.00 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +62.9%, earnings +75.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 16.6%, profit CAGR 140.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:16.56%
1 Year:62.92%

Compounded Profit Growth

5 Years:140.95%
1 Year:74.95%

Stock Price Performance

1 Year:+63.04%
6 Months:-
3 Months:-
1 Month:+23.65%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot
52-Week Range 96% of range
₹196.07 ₹345.95
Trend Signals
  • Price vs 50-DMAAbove
  • RSI (14)66.51 · Neutral
Price Performance
1M+23.65%
1Y+63.04%
Valuation vs Sector

P/E of 14.35 is below the sector median of 19.91 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

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.

PROS

  • Strong return on equity of 20.9%.
  • 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.

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Valuation

Stock P/E
14.35
Industry PE
19.91
Forward P/E
9.75
PEG Ratio
-
Book Value
₹79.71
Price to Book
1.92
P/S
2.84
EV/EBITDA
11.17
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
16.56%
Profit 5Y
140.95%
Revenue (YoY)
62.92%
Earnings (YoY)
74.95%

Profitability & Returns

ROCE
21.13%
ROE
20.92%
ROA
7.04%
Profit Margin
12.90%
Op Margin
28.87%
Gross Margin
51.22%
EPS (Latest Qtr)
₹6.92
EPS (TTM)
₹23.70

Balance Sheet & Liquidity

Debt/Equity
1.44
Quick Ratio
1.78
Current Ratio
1.56
Debt
₹1,928.00 Cr
Total Assets
₹3,568.78 Cr
Current Assets
₹2,839.18 Cr
Working Capital
₹775.99 Cr

Ownership

Promoter Holding
33.16%
Chg in Prom Hold
-
FII / Inst Holding
34.25%
Chg in FII Hold
24.56%

Financial Snapshot

Enterprise Value
₹5,730.95 Cr
Total Revenue (TTM)
₹2,179.00 Cr
EBITDA
₹651.00 Cr
Free Cash Flow
₹-471.00 Cr
Operating Cash Flow
₹-461.00 Cr
Shares Outstanding
₹16.85 Cr
Gross Margin
51.22%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 KISSHT ONEMI TECHNOLOGY SOL LTD NSEFINANCIAL 340.15 14.35 ₹5,730.95 Cr 0.00% 21.13% 20.92% 16.56% 140.95%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 742.80 15.04 ₹11.37 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,432.90 19.16 ₹10.26 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,015.00 11.13 ₹9.37 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,012.80 33.20 ₹6.30 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 421.30 9.28 ₹5.33 L Cr 2.26% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.75 19.84 ₹3.83 L Cr 0.17% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,227.30 14.53 ₹3.81 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,876.70 34.12 ₹3.00 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2025Dec 2025Mar 2026
Revenue 369.00 Cr591.00 Cr619.00 Cr
Operating Expenses 246.00 Cr417.00 Cr433.00 Cr
Operating Income 118.00 Cr170.00 Cr181.00 Cr
EBITDA 123.00 Cr175.00 Cr186.00 Cr
Interest Expense 52.00 Cr75.00 Cr77.00 Cr
Pretax Income 70.00 Cr104.00 Cr110.00 Cr
Tax Provision 16.10 Cr27.04 Cr27.50 Cr
Net Income 54.00 Cr77.00 Cr82.00 Cr
Diluted EPS 101.0114.256.92

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 175.00 Cr517.00 Cr984.46 Cr1,674.45 Cr1,337.46 Cr2,179.00 Cr
Cost of Revenue --97.65 Cr144.09 Cr221.43 Cr-
Gross Profit --886.81 Cr1,530.36 Cr1,116.03 Cr-
Operating Expenses 198.00 Cr430.00 Cr576.74 Cr890.43 Cr381.06 Cr1,529.00 Cr
Operating Income -29.00 Cr79.00 Cr310.08 Cr639.93 Cr734.98 Cr629.00 Cr
EBITDA -23.00 Cr86.00 Cr63.46 Cr316.05 Cr300.75 Cr651.00 Cr
Interest Expense 26.00 Cr26.00 Cr21.65 Cr26.20 Cr61.79 Cr282.00 Cr
Pretax Income -55.00 Cr54.00 Cr23.95 Cr267.44 Cr216.26 Cr377.00 Cr
Tax Provision -3.30 Cr-8.64 Cr-3.71 Cr70.15 Cr55.64 Cr94.25 Cr
Net Income -58.00 Cr63.00 Cr27.67 Cr197.29 Cr160.62 Cr281.00 Cr
Diluted EPS -240.36257.501.6411.719.5323.70

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 345.00 Cr541.00 Cr1,275.20 Cr1,796.53 Cr2,701.10 Cr3,989.00 Cr
Current Assets --1,073.54 Cr1,450.66 Cr2,161.32 Cr-
Cash & Equivalents --569.97 Cr285.04 Cr132.72 Cr-
Inventory ------
Receivables --39.41 Cr139.19 Cr34.56 Cr-
Total Liabilities --708.97 Cr991.96 Cr1,695.11 Cr-
Current Liabilities --645.00 Cr781.75 Cr1,385.32 Cr-
Long Term Debt --19.84 Cr168.78 Cr269.31 Cr-
Total Debt 125.00 Cr144.00 Cr443.50 Cr836.05 Cr1,556.35 Cr1,928.00 Cr
Total Equity 160.00 Cr235.00 Cr566.23 Cr804.57 Cr1,005.99 Cr1,343.00 Cr
Shares Outstanding --16.85 Cr16.85 Cr16.85 Cr-

Cash Flows (Annual)

Figures in INR.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 79.00 Cr-16.00 Cr111.48 Cr-637.43 Cr-661.43 Cr-461.00 Cr
Investing Cash Flow 100.00 Cr33.00 Cr-72.45 Cr40.42 Cr-33.23 Cr-70.00 Cr
Financing Cash Flow -202.00 Cr19.00 Cr443.59 Cr312.08 Cr542.34 Cr608.00 Cr
Capital Expenditure -4.00 Cr1.00 Cr-9.11 Cr-3.04 Cr-7.75 Cr-10.00 Cr
Free Cash Flow 75.00 Cr-15.00 Cr102.37 Cr-640.48 Cr-669.17 Cr-471.00 Cr
Net Change in Cash -23.00 Cr37.00 Cr482.62 Cr-284.93 Cr-152.31 Cr77.00 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % --90.1%91.4%83.4%-
Operating Margin % -16.6%15.3%31.5%38.2%55.0%28.9%
Net Margin % -33.1%12.2%2.8%11.8%12.0%12.9%
ROE % -36.2%26.8%4.9%24.5%16.0%20.9%
ROCE % --49.2%63.1%55.9%-

Shareholding Pattern

Insiders
33.16%
Institutions
34.25%
Public Float
51.25%

Analyst View

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Latest News

Recent headlines for KISSHT

Google News Mon, 13 Jul 2026

KISSHT Stock Price and Chart — NSE:KISSHT - TradingView

<a href="https://news.google.com/rss/articles/CBMiW0FVX3lxTE5LNjhqYjRjVUtFQzUyaHJaaGY1QlNPbnV3d2dJUmlDNUJzbUc1aWtCSk54TmRtWUJyOEV6Rmcwangxa2QyYTJ0RHNPTnBLOE1vdktuNTJ4QTRuRXM?oc=5" target="_blank">KISSHT Stock Price and Chart — NSE:KISSHT</a…

Google News Wed, 22 Jul 2026

OnEMI Tech IPO Review | Kissht IPO Analysis | Onemi IPO GMP | Apply Or Avoid? | OnEMI Technology Treviso (uJyX2iLKy3) - Mshale

<a href="https://news.google.com/rss/articles/CBMiW0FVX3lxTE1uUFJLOVZFOGZUWVM1Tk5xcDBkNHBEcktYaUlNTmRlYU9mZFY0VUtPdUprUmg3Z3FzSS00RlhmaVdNaHBLT3c5MHQxeWJ2ZjRtZVJ5WlBoeVFxRVk?oc=5" target="_blank">OnEMI Tech IPO Review | Kissht IPO Analysis …

Google News Fri, 08 May 2026

Kissht makes stock market debut at 12% premium over IPO price - The Economic Times

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Google News Mon, 04 May 2026

Kissht parent’s IPO oversubscribed; early backers to sell 4.4 mn shares - The Arc Web

<a href="https://news.google.com/rss/articles/CBMiqAFBVV95cUxNeVVLa0JhQVBLTDZfcVZuTk40TlpkMnFWY1c0ekI2Q1FmaTIyM1VyRFdMYTY3Uk8tQmFrR2hld2ZYU0wya1lBOXdVYzdUcHBYdWI3VW5XVG5SWFV2OW54ZHd5VmQwbUpnQzJ3djZxY1ZLZHVrZ1NKLVYxT3AtYlI3NDc0c1dwQV9rNFcwZk…

Google News Fri, 08 May 2026

Kissht makes stock market debut at 12% premium over IPO price - Entrackr

<a href="https://news.google.com/rss/articles/CBMimwFBVV95cUxOZWtSQXhnbnJaWE41V1lSelA1cGZ0bmV4Q0Q4RmhtRHZDWGVObG9WdGdTVDVxVVp1c1hod2dNcmV4dGlJcDd2UWZpRm1hSlhMZHBhSlVNYmpzbDNJOE1ZSTVKTHVTc0VTb2c1ay1yRVUxLXJ4N1RPWVBJTWtEckVfbTFmRnZ0ZUozSjhxOW…

Google News Fri, 08 May 2026

OnEMI Tech Shares Surge on Market Debut - Rediff MoneyWiz

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KISSHT — Frequently Asked Questions

What is the current share price of ONEMI TECHNOLOGY SOL LTD (KISSHT)?

As of 2026-07-27 05:56 IST, ONEMI TECHNOLOGY SOL LTD (KISSHT) trades at ₹340.15 on NSE. Its 52-week range is ₹196.07 to ₹345.95.

What is the market capitalisation of KISSHT?

ONEMI TECHNOLOGY SOL LTD (KISSHT) has a market capitalisation of ₹5,730.95 Cr on NSE.

What is the P/E ratio of KISSHT?

KISSHT trades at a trailing price-to-earnings (P/E) ratio of 14.35. The industry average P/E is 19.91. Its price-to-book (P/B) ratio is 1.92.

What is the return on equity (ROE) of KISSHT?

KISSHT has a return on equity (ROE) of 20.92%. Its return on capital employed (ROCE) is 21.13%.

Is KISSHT a good stock to buy?

This page provides a data-driven analysis of ONEMI TECHNOLOGY SOL LTD (KISSHT), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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