OnEMI Technology Solutions Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Solid return on assets for a lender - ROA of 14.2%
- Comfortable capital adequacy - CAR of 25.3%
- Company has a good return on equity (ROE) track record: 3 Years ROE 27.2%
- Company has a healthy return on capital (ROCE) of 22.7%
- Asset quality is healthy - gross NPA of just 0.0%
CONS
- Free cash flow has been persistently negative
- Equity base is being diluted - shares outstanding up 148.5%
- Though reporting repeated profits, the company pays out little dividend (0.0%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1055.00 | 32.35 | 656838.18 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1029.95 | 21.41 | 242345.54 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 367.80 | 28.89 | 156126.28 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| CHOLAFIN | 1824.90 | 27.10 | 155858.50 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| JIOFIN | 233.50 | 74.61 | 154183.36 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11055.60 | 13.89 | 123041.65 | 1.76 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2896.70 | 10.23 | 116293.37 | 1.04 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 396.20 | 26.43 | 108461.67 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 308.50 | 24.30 | 77320.98 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 668.55 | 27.96 | 63622.10 | 0.37 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 682.70 | 26.07 | 56716.32 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| KISSHT | 331.35 | 20.87 | 5873.82 | 0.00 | 950.77 | — | 6695.00 | 1713.43 | 21.53 | 30.97 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2025 | Jun 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| 369 | 463 | 619 | 6,695 | |
| 246 | 386 | 433 | 5,489 | |
| Operating Profit | 123 | 77 | 186 | 1,206 |
| OPM % | 33.31% | 16.66% | 30.07% | 18.02% |
| 4 | 3 | 6 | 71 | |
| Interest | 52 | 59 | 77 | 819 |
| Depreciation | 5 | 5 | 5 | 48 |
| Profit before Tax | 70 | 80 | 110 | 1,277 |
| Tax % | 22.76% | 25.09% | 25.45% | 25.55% |
| Net Profit | 0 | 60 | 82 | 951 |
| 10.67 | 11.14 | 10.37 | 6.41 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|
| 984 | 1,674 | 1,337 | 2,179 | 8,147 | |
| 893 | 1,328 | 1,104 | 1,515 | 6,554 | |
| Operating Profit | 91 | 346 | 233 | 665 | 1,593 |
| OPM % | 9.26% | 20.67% | 17.42% | 30.49% | 19.55% |
| 21 | 26 | 180 | 30 | 83 | |
| Interest | 70 | 82 | 174 | 297 | 1,007 |
| Depreciation | 18 | 23 | 23 | 22 | 64 |
| Profit before Tax | 24 | 267 | 216 | 377 | 1,537 |
| Tax % | -15.51% | 26.23% | 25.73% | 25.28% | 25.39% |
| Net Profit | 28 | 197 | 161 | 281 | 1,147 |
| EPS | 2.50 | 412.74 | 299.50 | 23.70 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 30%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 117%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 27%
- Last Year:
- 28%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|
| 5 | 5 | 5 | 12 | |
| 493 | 689 | 852 | 1,161 | |
| 429 | 821 | 1,540 | 2,414 | |
| Trade Payables | 25 | 32 | 52 | 105 |
| 268 | 203 | 168 | 273 | |
| Total Liabilities | 1,220 | 1,749 | 2,618 | 3,965 |
| 66 | 57 | 53 | 43 | |
| 0 | 0 | 0 | 8 | |
| 0 | 162 | 70 | 104 | |
| Cash & Bank | 661 | 318 | 144 | 241 |
| 492 | 1,211 | 2,351 | 3,569 | |
| Total Assets | 1,220 | 1,749 | 2,618 | 3,965 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|
| -480 | -1,816 | -1,694 | -1,804 | |
| Cash from Investing | -72 | 40 | -33 | -70 |
| Cash from Financing | 444 | 312 | 542 | 608 |
| 483 | -285 | -152 | 77 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - OnEMI Technology Solutions Limited has informed the Exchange about Schedule of meet
2026-09-01 - OnEMI Technology Solutions Limited has informed the Exchange about Schedule of meet
2026-08-31 - OnEMI Technology Solutions Limited has informed the Exchange about Schedule of meet
2026-08-28 - OnEMI Technology Solutions Limited has informed the Exchange about dispatch of the letter under Regulation 36(1)(b) of SEBI Listing Regulations - providing a weblink of the Annual Report for Financial Year Ended March 31, 2026 and the Notice convening the 10th Annual General Meeting.
2026-08-28 - OnEMI Technology Solutions Limited has informed the Exchange about Copy of Newspaper Publication with respect to Notice of 10th Annual General Meeting.
2026-08-27 - Please find enclosed the Annual Report of the Company for the financial year 2025-26 along with the Notice of the 10th Annual General Meeting of the Company to be held on Tuesday September 22, 2026, at 04:00 p.m. IST.
2026-08-27 - Please find enclosed the Annual Report for financial year 2025-26 along with the Notice convening the 10th Annual General Meeting of the Company.
2026-08-27 - Please find enclosed the newspaper advertisements with respect to the information regarding 10th Annual General Meeting of the Company.
2026-08-26 - OnEMI Technology Solutions Limited has informed the Exchange about convening of the 10th Annual General Meeting of the Company on September 22, 2026.
News
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