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%
- Latest quarter profit grew 859.1% YoY, showing strong momentum
- Operating margins have improved to 24.7% from 17.3%
- Attractively priced for its growth - PEG of 0.5
CONS
- Free cash flow has been persistently negative
- Equity base is being diluted - shares outstanding up 143.4%
- 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 | 1045.10 | 32.05 | 650674.48 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1049.00 | 21.81 | 246827.97 | 1.03 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1858.00 | 27.59 | 158685.46 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 371.70 | 29.20 | 157781.78 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 237.70 | 75.95 | 156956.68 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11150.00 | 14.01 | 124092.26 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2935.00 | 10.36 | 117831.00 | 1.02 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 399.10 | 26.62 | 109254.11 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 315.00 | 24.81 | 78950.11 | 0.87 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 657.00 | 27.48 | 62522.95 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 692.90 | 26.45 | 57563.70 | 0.58 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| KISSHT | 305.50 | 19.24 | 5415.58 | 0.00 | 950.77 | — | 6695.00 | 1713.43 | 21.53 | 30.97 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2025 | Jun 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| 100 | 140 | 204 | 2,157 | |
| 66 | 110 | 147 | 1,579 | |
| Operating Profit | 34 | 30 | 57 | 579 |
| OPM % | 33.60% | 21.29% | 27.88% | 26.83% |
| 4 | 8 | 11 | 116 | |
| Interest | 1 | 1 | 1 | 5 |
| Depreciation | 3 | 3 | 3 | 26 |
| Profit before Tax | 34 | 37 | 64 | 695 |
| Tax % | 21.46% | 25.51% | 25.57% | 25.21% |
| Net Profit | 27 | 28 | 47 | 519 |
| 5.33 | 5.19 | 5.97 | 3.50 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|
| 259 | 412 | 306 | 698 | 2,601 | |
| 227 | 300 | 237 | 526 | 1,902 | |
| Operating Profit | 32 | 112 | 69 | 173 | 699 |
| OPM % | 12.41% | 27.26% | 22.59% | 24.73% | 26.87% |
| 13 | 17 | 15 | 36 | 139 | |
| Interest | 4 | 4 | 4 | 4 | 8 |
| Depreciation | 15 | 15 | 14 | 13 | 35 |
| Profit before Tax | 26 | 111 | 67 | 192 | 830 |
| Tax % | 6.66% | 25.83% | 23.85% | 24.97% | 25.09% |
| Net Profit | 25 | 82 | 51 | 144 | 622 |
| EPS | 21.55 | 172.53 | 94.91 | 12.13 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 39%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 80%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 15%
- Last Year:
- 20%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|
| 5 | 5 | 5 | 12 | |
| 481 | 556 | 611 | 782 | |
| 31 | 24 | 18 | 17 | |
| Trade Payables | 11 | 12 | 21 | 51 |
| 90 | 166 | 210 | 301 | |
| Total Liabilities | 618 | 763 | 864 | 1,163 |
| 53 | 40 | 29 | 24 | |
| 296 | 431 | 581 | 806 | |
| 0 | 134 | 82 | 98 | |
| Cash & Bank | 232 | 121 | 11 | 45 |
| 37 | 37 | 162 | 190 | |
| Total Assets | 618 | 763 | 864 | 1,163 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|
| 59 | 53 | 68 | 176 | |
| Cash from Investing | -179 | -145 | -181 | -300 |
| Cash from Financing | 295 | -18 | 3 | 137 |
| 192 | -110 | -110 | 13 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|
| PER SHARE | ||||
| EPS (₹) | 50.57 | 172.53 | 94.91 | 12.13 |
| Book Value (₹) | 995.50 | 1173.56 | 1148.58 | 66.85 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 8.08 | 20.29 | 12.09 | 13.24 |
| PROFITABILITY | ||||
| Operating Margin % | 17.28% | 27.26% | 22.59% | 24.73% |
| Net Margin % | 9.53% | 20.02% | 16.62% | 20.64% |
| ROE % | 5.08% | 15.76% | 8.65% | 20.44% |
| ROCE % | 5.41% | 18.71% | 9.84% | 22.63% |
| 3.99% | 11.94% | 6.25% | 14.22% | |
| EFFICIENCY | ||||
| Debtor Days | 32 | 70 | 129 | 47 |
| Inventory Days | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 |
| 32 | 70 | 129 | 47 | |
| FINANCIAL HEALTH | ||||
| Debt to Equity (x) | 0.00x | 0.00x | 0.00x | 0.00x |
| Interest Coverage (x) | 8.44x | 32.66x | 18.59x | 55.63x |
| 6.34x | 4.31x | 2.50x | 1.25x | |
| GROWTH | ||||
| Revenue Growth % | 0.00% | 59.16% | -25.69% | 128.03% |
| Operating Profit Growth % | 0.00% | 188.76% | -34.53% | 146.78% |
| Net Profit Growth % | 0.00% | 234.19% | -38.28% | 183.16% |
| 0.00% | 241.19% | -44.99% | -87.22% | |
| VALUATION | ||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | -0.86x | -0.00x | -0.16x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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.
2026-08-26 - OnEMI Technology Solutions Limited has informed the Exchange regarding Outcome of Board Meeting held on August 26, 2026.
News
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