KISSHT · NSE
OnEMI Technology Solutions Limited
₹356.05
-1.08% (-₹3.9)
Prev. close
₹359.95
Volume
41,53,061
Delivery %
43.8%
As of
18 Sept 2026
Price history
JM Financial Analysis · JM Financial Institutional Securities · 10 Sept 2026
“Bullish on OnEMI Technology Solutions (Kissht) with a Buy call and a target price of Rs 385 per share, implying a 19% upside. JM Financial forecasts the company’s AUM to grow at a compound annual rate of 44% between FY26 and FY28, increasing from approximately Rs 7,100 crore to Rs 14,700 crore.”
Published mid-session at 10:22 IST. Tracking counts only prices printed after publication — the chart's dashed divider marks that moment; earlier prices never count toward entry or results.
Analyst sentiment
Analysts lean bullish
1 analyst stance · last 90 days · one per analyst
Trackable
1 · 1 bull / 0 neutral / 0 bear
Long-Horizon
none in window
Commentary
none in window
Trackable = verdict-bearing calls · Long-Horizon = 1yr+ horizon, verdict pending · Commentary = context, not graded
Analyst opinions
| Call | Analyst | Instrument | Verdict | Actions | |||
|---|---|---|---|---|---|---|---|
| “Bullish on OnEMI Technology Solutions (Kissht) with a Buy call and a target price of Rs 385 per share, implying a 19% up…” | JM Financial AnalysisJM Financial Institutional Securities | OnEMI Technology Solutions | PENDING | ||||
“Bullish on OnEMI Technology Solutions (Kissht) with a Buy call and a target price of Rs 385 per share, implying a 19% upside. JM Financial forecasts the company’s AUM to grow at a compound annual rate of 44% between FY26 and FY28, increasing from approximately Rs 7,100 crore to Rs 14,700 crore.” This call hasn't reached its evaluation window yet — the verdict will appear here once it's graded. | |||||||
Fundamentals
About OnEMI Technology Solutions Limited
OnEMI Technology Solutions Limited operates as a digital lending platform in India and internationally. It offers financial technology solutions. The company also provides personal loans and loans against property products, leveraging data analytics, alternative credit scoring, and technology infrastructure. In addition, it offers Kissht, a trusted financial platform; and PaywithRING, a cutting-edge digital app designed to provide instant loans in just minutes. The company serves salaried and self-employed individuals. The company was formerly known as OnEMI Technology Solutions Private Limited and changed its name to OnEMI Technology Solutions Limited. The company was incorporated in 2016 and is based in Mumbai, India.
Details
Sector
Financial Services
Industry
Credit Services
CEO
Mr. Ranvir Singh
Headquarters
Mumbai
Website
onemi.inExchange
View on NSE ↗Key stats
Market cap
₹6,311.67 Cr
P/E ratio (TTM)
37.3
EPS (TTM)
₹9.54
Shares float
6.77 Cr
EPS · quarter ended Jun 2026
₹5.88
Financial Performance
01 · Financials
FY22 growth needs FY21 filings, which the data source doesn't provide. EBITDA is omitted from this chart: coverage begins inside the plotted window, and every plotted period must carry a complete point set — the P&L table below has the available figures.
02 · Earnings Per Share (EPS)
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| — | — | ₹984.46 Cr | ₹1,674.45 Cr | ₹1,337.47 Cr | ₹2,179.25 Cr | |
| EBITDA | — | — | ₹63.46 Cr | ₹316.05 Cr | ₹300.75 Cr | ₹680.55 Cr |
| ₹-58.00 Cr | ₹63.00 Cr | ₹27.67 Cr | ₹197.29 Cr | ₹160.62 Cr | ₹281.45 Cr | |
| Diluted EPS | — | — | ₹1.64 | ₹11.71 | ₹9.53 | ₹21.39 |
Revenue, Total expenses (as filed), Employee benefit expense, Other expenses, EBITDA, Tax provision, Interest expense, Other income, Diluted EPS have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹345.00 Cr | ₹541.00 Cr | ₹1,276.00 Cr | ₹1,797.00 Cr | ₹2,701.00 Cr | ₹3,989.00 Cr | |
| — | — | ₹443.50 Cr | ₹836.05 Cr | ₹1,556.35 Cr | — | |
| Stockholders' equity | ₹160.00 Cr | ₹235.00 Cr | ₹561.00 Cr | ₹799.00 Cr | ₹1,000.00 Cr | ₹1,343.00 Cr |
Current assets, Trade receivables, Cash & equivalents, Non-current assets, CWIP, Others, Total debt, Long-term debt, Current (short-term) debt have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated. Inventory shows ₹0 for 2026-03-31 — this deck's own annual-report reading has no Inventory figure for this filer in any year shown (2026-03-31, 2021-03-31, 2022-03-31, 2023-03-31, 2024-03-31, 2025-03-31 alike); the ₹0 shown here comes from this filer's own reported data feed rather than this deck's own extraction, and is positively consistent with a filer that holds no physical inventory (typical for lenders and other financial-services companies) rather than a display default. 2021-03-31, 2022-03-31, 2023-03-31, 2024-03-31, 2025-03-31 have no Inventory figure reaching this deck at all — not shown as zero, not shown as positive — left blank rather than assumed to match the other years.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹79.00 Cr | ₹-16.00 Cr | ₹48.00 Cr | ₹-637.00 Cr | ₹-661.00 Cr | ₹-461.00 Cr | |
| Investing cash flow | — | — | ₹-72.45 Cr | ₹40.42 Cr | ₹-33.23 Cr | ₹-70.40 Cr |
| ₹-202.00 Cr | ₹19.00 Cr | ₹507.00 Cr | ₹312.00 Cr | ₹542.00 Cr | ₹608.00 Cr | |
| Capital expenditure | ₹-4.00 Cr | ₹0 | ₹0 | ₹-3.00 Cr | ₹-8.00 Cr | ₹-10.00 Cr |
| End cash position | — | — | ₹569.97 Cr | ₹285.04 Cr | ₹132.72 Cr | ₹209.46 Cr |
Investing cash flow, Dividends paid, End cash position have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | May 26–Jun 26(2Q) |
|---|---|
| Promoter | 24.80% |
| Public | 75.20% |
| Employee trusts | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| OnEMI Technology Solutions Limited | ₹6,380.81 Cr | ₹356.05 | 37.8 | 6.34 | 16.0% | 1.55 | -20.1% | — |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
IPO documents
Annual reports
Concall transcripts
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
1 index
Weight is a free-float market-cap-share estimate from NSE’s live index data, not NSE’s own published (and sometimes capped) index weight. Indices without a live weight feed are listed without one, in alphabetical order after the weighted ones.