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On 6 Nov 2026, OnEMI Technology Solutions was priced at ₹345.40, or 15.1× trailing earnings, and the shares are 11% below their 52-week high. Its ROE of 24% is the second-highest among the 7 largest Credit Services peers, and net profit grew 117% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 2.50× book value. It is a small-cap company with a market cap of ₹7,070 Cr, ranked 28th of 193 Credit Services companies by market cap; the shares rose 66% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹331.50
Day high
₹349.10
Day low
₹323.50
Prev. close
₹330.75
Volume
10.7 L

Health check

3 good · 1 fair · 1 to check
  • ReturnsAhead

    +65.6% over a year, better than 7 of 7 peers.

  • Price tagIn line

    P/B 2.50 vs peer median 2.62.

  • GrowthStrong

    Profit +116.6% a year over 3 years.

  • ProfitabilityStrong

    ROE 24.0% vs peer median 18.7%.

  • Balance sheetn/a

    Asset quality (bad loans) isn’t in our data.

  • Red flags1 to check

    Promoter stake down from 24.8% to 20.4%.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Small cap

₹7,070 Cr, #28 of 193 in its industry by size.

Market sensitivity

Measuring against the NIFTY 50…

Key metrics

Last 12 months to Sep 2026: sales ₹2,313 Cr · profit ₹379 Cr
Market cap
₹7,070 Cr
Small cap
P/E
15.1
Industry 15.5
Price to book
2.50
Peers 2.62
Dividend yield
0.00%
ROE
24.0%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹22.88
Face value ₹1
OPM (TTM)
38.0%
Net margin 16.4%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+100.4%
Latest quarter vs a year ago
Price to sales
3.06

Strengths and risks

Strengths

  • Return on equity of 24.0%.
  • Quarterly profit up 100.4% on a year ago.

Risks to check

  • Promoter stake down from 24.8% to 20.4%.

Derived automatically from reported figures. Not a recommendation.

About OnEMI Technology Solutions

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…

Headquarters
Mumbai
Sector
Financial Services
ISIN
INE12F801023
Website
onemi.in

Price range

52 weeks

₹190.00₹388.15

Today

₹323.50₹349.10
Avg volume (3M)
14.4 L
1-year return
plus 65.6%
From 52-week high
minus 11.0%

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
KISSHTOnEMI Technology Solutions345.40plus 4.43%7,07015.12.5024.0%–116.6%0.00%plus 65.6%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrSep 25Dec 25Mar 26Jun 26Sep 26
506591619670732
301292463416448
204299156254284
40.4%50.6%25.2%37.9%38.8%
11.8−1261127.18.5
––40.4––
10.85.55.44.84.9
−122−63.7−112−128−133
83104110128154
24.8%25.7%25.5%25.5%18.9%
62.477.182.295.1125
3.71––5.887.12

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+116.6%
EPS CAGR 3Y
+116.6%
ROE
24.0%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
9841,6741,3372,179
–+70.1%minus 20.1%+62.9%
9211,3581,0371,652
63.5316301527
6.4%18.9%22.5%24.2%
259350435398
21.726.261.8129
17.922.422.721.6
−259−350−435−398
24267216377
−15.5%26.2%25.7%25.3%
27.7197161281
–+613.1%minus 18.6%+75.2%
1.6411.719.5316.71

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
10.110.110.711.9
5517899901,331
4448361,5562,429
271161144217
1,2751,7972,7013,989
61.655.751.737.8
570285133218
6441,4562,5173,733
1,2751,7972,7013,989

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
111−637−661−461
−72.540.4−33.2−70.4
444312542608
483−285−15276.7
−9.1−3−7.7−10.2
102−640−669−471

Shareholding pattern

Source: NSE filings
20.4%
promoters
  • Promoters20.42%
  • Public79.58%
  • As of 23 Oct 2026
QuarterSplitPromotersPublicPromoter change
23 Oct 202620.42%79.58%minus 3.04
30 Sep 202623.46%76.54%minus 0.11
26 Aug 202623.57%76.43%minus 1.23
30 Jun 202624.80%75.20%0.00
7 May 202624.80%75.20%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you