OnEMI Technology Solutions Limited

About

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.

Key Metrics

as of Sep 2026

Market Cap5,479 Cr

P/E17.30

Div Yield0.00 %

Book Value—

52w High₹352.00

52w Low₹190.00

Face Value₹1.00

Quarterly Results

Rs. Crores · hover row for definition

Metric	Jun 2026	Mar 2026	Dec 2025	Jun 2025	Mar 2025
Sales	216.00	204.00	221.00	140.00	100.00
Expenses	155.00	147.00	152.00	106.00	66.00
Operating Profit	61.00	57.00	69.00	34.00	34.00
OPM %	28.00	28.00	31.00	24.00	34.00
Other Income	12.00	11.00	8.00	8.00	4.00
Depreciation	3.00	3.00	3.00	3.00	3.00
Interest	1.00	1.00	1.00	1.00	1.00
Profit before tax	69.00	64.00	72.00	37.00	34.00
Tax %	25.00	26.00	25.00	26.00	21.00
Net Profit	52.00	47.00	54.00	28.00	27.00
EPS in Rs	3.08	3.98	9.98	5.19	50.47

Profit & Loss

Annual · Rs. Crores

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Sales	734.00	321.00	429.00	264.00	156.00	32.00
Expenses	526.00	237.00	300.00	227.00	108.00	84.00
Operating Profit	209.00	84.00	129.00	37.00	48.00	-52.00
OPM %	28.00	26.00	30.00	14.00	31.00	-163.00
Other Income	0.00	0.00	0.00	7.00	0.00	0.00
Interest	4.00	4.00	4.00	4.00	0.00	0.00
Depreciation	13.00	14.00	15.00	15.00	6.00	6.00
Profit before tax	192.00	67.00	111.00	26.00	41.00	-58.00
Tax %	25.00	24.00	26.00	7.00	-28.00	0.00
Net Profit	144.00	51.00	82.00	25.00	53.00	-58.00
EPS in Rs	12.13	94.91	172.52	50.57	217.21	-237.97
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00

Balance Sheet

Annual · Rs. Crores — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Equity Capital	12.00	5.00	5.00	5.00	2.00	2.00
Reserves	952.00	754.00	662.00	544.00	215.00	151.00
Borrowings	18.00	32.00	38.00	5.00	5.00	5.00
Other Liabilities	149.00	68.00	41.00	75.00	17.00	36.00
Total Liabilities	1,130.00	859.00	746.00	629.00	241.00	194.00
Fixed Assets	24.00	29.00	40.00	53.00	11.00	17.00
CWIP	6.00	5.00	0.00	0.00	0.00	0.00
Investments	806.00	581.00	431.00	296.00	161.00	161.00
Other Assets	294.00	244.00	276.00	279.00	68.00	17.00
Total Assets	1,130.00	859.00	746.00	629.00	241.00	194.00

Cash Flows

Annual · Rs. Crores — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Cash from Operating Activity	176.00	68.00	53.00	76.00	39.00	-36.00
Cash from Investing Activity	-300.00	-181.00	-145.00	-179.00	0.00	14.00
Cash from Financing Activity	137.00	3.00	-18.00	295.00	0.00	0.00
Net Cash Flow	13.00	-110.00	-110.00	192.00	39.00	-22.00
Free Cash Flow	169.00	63.00	51.00	26.00	38.00	-39.00
CFO/OP %	113.00	98.00	51.00	202.00	87.00	69.00

Ratios

Annual · Days / % — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Debtor Days	49.00	93.00	114.00	32.00	12.00	3.00
Cash Conversion Cycle	49.00	93.00	114.00	32.00	12.00	3.00
Working Capital Days	7.00	146.00	91.00	-13.00	-24.00	-259.00
ROCE %	22.00	9.00	18.00	8.00	22.00	—