Onemi Technology Solutions Ltd
Onemi Technology Solutions Ltd
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BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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36 extracted metrics + investor summaries across FY21–FY26.
Tapetide Score
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Technical Indicators
Key Insights
Strengths
3- Company has delivered good profit growth of 46.8% CAGR over last 5 years
- Debtor days have improved from 23.7 to 17.4 days.
- Company's working capital requirements have reduced from 290 days to 150 days
Weaknesses
1- Promoter holding is low: 24.8%
Growth Rate
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 26d agoOnemi Technology Solutions (KissHT) is a digital lending platform with a market cap of ₹5,512 Cr, trading at a PE of 16.9x with ROE of 24% in the last year. The company has demonstrated strong revenue growth of 62% TTM and profit growth of 75% TTM, though promoter holding remains low at 24.8%.
- Exceptional TTM revenue growth of 62%, indicating strong demand for its digital lending products
- TTM profit growth of 75% significantly outpaces revenue growth, showing improving operating leverage
- 5-year compounded profit CAGR of 46.8% demonstrates sustained earnings momentum over a longer period
- Consistent ROE profile — 22% over 5 years, 23% over 3 years, and 24% last year — shows improving capital efficiency
- PE ratio of 16.9x is relatively modest for a fintech company delivering 62% top-line and 75% bottom-line growth
- Debtor days improved from 23.7 to 17.4 days, reflecting better collection efficiency and asset quality discipline
- Working capital cycle reduced from 290 days to 150 days, freeing up capital for growth without proportional funding needs
- 5-year compounded sales CAGR of 66% reflects a long runway of consistent revenue scale-up, not just a one-year spike
- Promoter holding at just 24.8% is notably low, raising concerns about alignment of interests and potential dilution risk
- Zero dividend yield suggests all earnings are being retained with no near-term shareholder return commitment
- Debt-to-equity ratio is not disclosed, creating opacity around leverage in a lending business where balance sheet risk is critical
- Price-to-book of 2.44x means investors are paying a premium over book value, which carries downside risk if growth slows
- No 52-week high/low data available, making it difficult to assess current valuation relative to recent trading range
- 3-year compounded sales CAGR of 30% is notably lower than the 5-year CAGR of 66%, suggesting possible deceleration in the middle period before recent re-acceleration
- As a digital lending NBFC, the company faces regulatory tightening risk from RBI guidelines on unsecured lending and digital lending norms
- EPS data is unavailable, limiting per-share earnings visibility for minority shareholders
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 24d ago- AUM surges 60.9% YoY Jul 4
OnEMI reported AUM growth of 60.9% YoY to ₹8,001 Cr in Q1FY27, with disbursements rising 37.1% to ₹3,812 Cr, exceeding its own 40%+ growth guidance.
- Q1FY26 profit up 59% YoY Jul 29
Consolidated net profit rose 59% YoY to ₹950.77 million for Q1FY26, with revenue growing 45% to ₹6,695 million as IPO proceeds fueled loan disbursements.
- LAP breakeven by Q3 FY27 Jul 31
Management projected LAP business breakeven in Q3 FY27 with 20%+ ROE thereafter, reaffirmed 15% credit cost reduction target, and expects to overachieve 40%+ AUM growth guidance having already grown 13% in one quarter.
- AMFI registration until July 2029 Jul 15
Wholly owned subsidiary Invincible Minds received AMFI registration valid from July 13, 2026 to July 12, 2029, authorising mutual fund product distribution.
- Q1FY27 earnings call scheduled Jul 25
Q1FY27 earnings conference call scheduled for July 30, 2026 at 12:00 PM IST featuring CEO Ranvir Singh and CFO Krishnan Vishwanathan.
- BDO India appointed internal auditor Jul 9
Board approved BDO India Services Pvt. Ltd as internal auditor for FY 2026-27 at its July 9, 2026 meeting.
TL;DR: OnEMI is executing strongly with 60.9% AUM growth and 59% profit growth, comfortably beating its own guidance targets. The company is diversifying into LAP and mutual fund distribution while maintaining credit quality discipline. No material headwinds are visible in recent news flow. The trend is clearly improving, though investors should watch credit costs and asset quality as the loan book scales rapidly.
Quarterly Results
| Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 369 | 463 | 591 | 619 | 670 |
| Expenses | 246 | 321 | 417 | 433 | 462 |
| Operating Profit | 123 | 142 | 175 | 186 | 207 |
| OPM % | 33% | 31% | 30% | 30% | 31% |
| Other Income | 4 | 3 | 10 | 6 | 7 |
| Interest | 52 | 59 | 75 | 77 | 82 |
| Depreciation | 5 | 5 | 5 | 5 | 5 |
| PBT | 70 | 80 | 104 | 110 | 128 |
| Tax % | 23% | 25% | 26% | 25% | 26% |
| Net Profit | 54 | 60 | 77 | 82 | 95 |
| EPS in Rs | 101 | 11.14 | 14.25 | 6.92 | 5.64 |
Profit & Loss
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Sales | 175 | 517 | 1,000 | 1,700 | 1,352 | 2,188 |
| Expenses | 198 | 430 | 876 | 1,307 | 914 | 1,529 |
| Operating Profit | -23 | 86 | 124 | 393 | 438 | 660 |
| OPM % | -13% | 17% | 12% | 23% | 32% | 30% |
| Other Income | 1 | 0 | 1 | 0 | 0 | 21 |
| Interest | 26 | 26 | 83 | 103 | 199 | 282 |
| Depreciation | 6 | 7 | 18 | 23 | 23 | 22 |
| PBT | -55 | 54 | 24 | 267 | 216 | 377 |
| Tax % | 6% | -16% | -15% | 26% | 26% | 25% |
| Net Profit | -58 | 63 | 28 | 197 | 161 | 281 |
| EPS in Rs | -240 | 258 | 56.7 | 413 | 299 | 23.7 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
Balance Sheet
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 2 | 2 | 5 | 5 | 5 | 12 |
| Reserves | 158 | 233 | 556 | 794 | 995 | 1,331 |
| Borrowings | 125 | 144 | 449 | 841 | 1,562 | 1,928 |
| Other Liabilities | 60 | 162 | 267 | 156 | 139 | 718 |
| Total Liabilities | 345 | 541 | 1,276 | 1,797 | 2,701 | 3,989 |
| Fixed Assets | 18 | 12 | 66 | 57 | 53 | 49 |
| CWIP | 0 | 0 | 0 | 0 | 5 | 0 |
| Investments | 1 | 0 | 0 | 0 | 0 | 8 |
| Other Assets | 326 | 529 | 1,210 | 1,739 | 2,643 | 3,931 |
| Total Assets | 345 | 541 | 1,276 | 1,797 | 2,701 | 3,989 |
Cash Flow
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Operating | 79 | -16 | 48 | -637 | -661 | -461 |
| Investing | 100 | 33 | 24 | 40 | -33 | -70 |
| Financing | -202 | 19 | 507 | 312 | 542 | 608 |
| Net Cash Flow | -23 | 37 | 579 | -285 | -152 | 77 |
| Free Cash Flow | 75 | -15 | 58 | -640 | -669 | -471 |
| CFO/OP | -340 | 20 | 70 | -140 | -141 | -254 |
Ratios
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Debtor Days | 2 | 4 | 24 | 35 | 19 | 17 |
| Cash Conversion Cycle | 2 | 4 | 24 | 35 | 19 | 17 |
| Working Capital Days | 310 | 135 | 54 | 211 | 509 | 150 |
| ROCE % | — | 24% | 15% | 28% | 20% | 23% |
Documents
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Company Information
Incorporated in 2016, OnEMI Technology Solutions Limited is a technology-enabled lender in India, primarily offering digital loans through its mobile application for various consumption and business needs.[1]