OnEMI Technology Solutions Ltd.
•₹ 310.952.74%
2026-08-21
PROS
- Solid return on assets for a lender - ROA of 6.3%
- Asset quality is healthy - gross NPA of just 0.0%
- Latest quarter profit grew 1655.3% YoY, showing strong momentum
CONS
- Capital adequacy is tight at 0.0% - limited headroom to grow
- A large part of profit comes from other income (83.4% of PBT)
- Thin net interest margin of 0.0%
- 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
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | BAJFINANCE | 1078.60 | 33.07 | 671531.43 | 0.56 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| 2. | SHRIRAMFIN | 1104.90 | 22.97 | 259981.15 | 0.98 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| 3. | JIOFIN | 242.70 | 77.55 | 160258.25 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| 4. | CHOLAFIN | 1866.25 | 27.72 | 159390.07 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| 5. | TATACAP | 365.15 | 28.68 | 155001.39 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| 6. | BAJAJHLDNG | 11322.85 | 14.23 | 126015.97 | 1.72 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| 7. | MUTHOOTFIN | 2859.20 | 10.09 | 114787.87 | 1.05 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| 8. | ABCAPITAL | 396.75 | 26.46 | 108592.29 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| 9. | LTF | 315.00 | 24.80 | 78940.44 | 0.87 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| 10. | SBICARD | 626.30 | 0.00 | 59601.37 | 0.40 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| 11. | HDBFS | 681.15 | 26.00 | 56579.31 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| 12. | KISSHT | 300.30 | 17.98 | 5059.55 | 0.00 | 950.77 | — | 6695.00 | 1713.43 | 19.05 | 30.97 |
Detailed Comparison with:
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 | — | — | — | — |
| OPM % | — | — | — | — |
| Other Income | 4 | 3 | 6 | 71 |
| Interest | 52 | 59 | 77 | 819 |
| Depreciation | 5 | 5 | 5 | 48 |
| 70 | 80 | 110 | 1,277 | |
| Tax % | 22.76% | 25.09% | 25.45% | 25.55% |
| Net Profit | 0 | 60 | 82 | 951 |
| 11 | 1 | 10 | 6 | |
| Equity Capital | 11 | 11 | 12 | 168 |
| Reserves | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% |
| Equity Capital | 11 | 11 | 12 | 168 |
| Reserves | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% |
Mar 2025
- 369
- 246
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4
- Interest
- 52
- Depreciation
- 5
- 70
- Tax %
- 22.76%
- Net Profit
- 0
- 11
- Equity Capital
- 11
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 11
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2025
- 463
- 386
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3
- Interest
- 59
- Depreciation
- 5
- 80
- Tax %
- 25.09%
- Net Profit
- 60
- 1
- Equity Capital
- 11
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 11
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2026
- 619
- 433
- Operating Profit
- —
- OPM %
- —
- Other Income
- 6
- Interest
- 77
- Depreciation
- 5
- 110
- Tax %
- 25.45%
- Net Profit
- 82
- 10
- Equity Capital
- 12
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 12
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2026
- 6,695
- 5,489
- Operating Profit
- —
- OPM %
- —
- Other Income
- 71
- Interest
- 819
- Depreciation
- 48
- 1,277
- Tax %
- 25.55%
- Net Profit
- 951
- 6
- Equity Capital
- 168
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 168
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|
| 984 | 1,674 | 1,337 | 8,147 | |
| 893 | 1,328 | 1,104 | 6,554 | |
| Operating Profit | 112 | 372 | 413 | — |
| OPM % | 11 | 22 | 31 | — |
| Other Income | 21 | 26 | 180 | 83 |
| Interest | 70 | 82 | 174 | 1,007 |
| Depreciation | 18 | 23 | 23 | 64 |
| 24 | 267 | 216 | 1,537 | |
| Tax % | -16 | 26 | 26 | 25 |
| Net Profit | 28 | 197 | 161 | 1,147 |
| EPS | 2 | 413 | 299 | — |
| Dividend Payout % | 0 | 0 | 0 | — |
| Minority Interest | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 |
| Adjusted EPS | 6 | 41 | 30 | — |
| Minority Interest | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 |
| Adjusted EPS | 6 | 41 | 30 | — |
Mar 2023
- 984
- 893
- Operating Profit
- 112
- OPM %
- 11
- Other Income
- 21
- Interest
- 70
- Depreciation
- 18
- 24
- Tax %
- -16
- Net Profit
- 28
- EPS
- 2
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 6
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 6
Mar 2024
- 1,674
- 1,328
- Operating Profit
- 372
- OPM %
- 22
- Other Income
- 26
- Interest
- 82
- Depreciation
- 23
- 267
- Tax %
- 26
- Net Profit
- 197
- EPS
- 413
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 41
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 41
Mar 2025
- 1,337
- 1,104
- Operating Profit
- 413
- OPM %
- 31
- Other Income
- 180
- Interest
- 174
- Depreciation
- 23
- 216
- Tax %
- 26
- Net Profit
- 161
- EPS
- 299
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 30
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 30
TTM
- 8,147
- 6,554
- Operating Profit
- —
- OPM %
- —
- Other Income
- 83
- Interest
- 1,007
- Depreciation
- 64
- 1,537
- Tax %
- 25
- Net Profit
- 1,147
- EPS
- —
- Dividend Payout %
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 20%
- Last Year:
- 21%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|
| LIABILITIES | - | - | - |
| 5 | 5 | 5 | |
| 493 | 689 | 852 | |
| 368 | 616 | 1,238 | |
| Trade Payables | 25 | 32 | 52 |
| 329 | 408 | 470 | |
| Total Liabilities | 1,220 | 1,749 | 2,618 |
| ASSETS | - | - | - |
| 66 | 57 | 53 | |
| 0 | 162 | 70 | |
| Cash & Bank | 661 | 318 | 144 |
| 492 | 1,211 | 2,351 | |
| Total Assets | 1,220 | 1,749 | 2,618 |
| Total Debt | 388 | 784 | 1,508 |
| Net Working Capital | 429 | 669 | 776 |
| Contingent Liabilities | 1,007 | 732 | 1,279 |
| Book Value per Share | 1041.74 | 1451.28 | 1599.15 |
| Face Value | 10.00 | 10.00 | 10.00 |
| Total Debt | 388 | 784 | 1,508 |
| Net Working Capital | 429 | 669 | 776 |
| Contingent Liabilities | 1,007 | 732 | 1,279 |
| Book Value per Share | 1041.74 | 1451.28 | 1599.15 |
| Face Value | 10.00 | 10.00 | 10.00 |
Mar 2023
- 5
- 493
- 368
- Trade Payables
- 25
- 329
- Total Liabilities
- 1,220
- 66
- 0
- Cash & Bank
- 661
- 492
- Total Assets
- 1,220
- Total Debt
- 388
- Net Working Capital
- 429
- Contingent Liabilities
- 1,007
- Book Value per Share
- 1041.74
- Face Value
- 10.00
- Total Debt
- 388
- Net Working Capital
- 429
- Contingent Liabilities
- 1,007
- Book Value per Share
- 1041.74
- Face Value
- 10.00
Mar 2024
- 5
- 689
- 616
- Trade Payables
- 32
- 408
- Total Liabilities
- 1,749
- 57
- 162
- Cash & Bank
- 318
- 1,211
- Total Assets
- 1,749
- Total Debt
- 784
- Net Working Capital
- 669
- Contingent Liabilities
- 732
- Book Value per Share
- 1451.28
- Face Value
- 10.00
- Total Debt
- 784
- Net Working Capital
- 669
- Contingent Liabilities
- 732
- Book Value per Share
- 1451.28
- Face Value
- 10.00
Mar 2025
- 5
- 852
- 1,238
- Trade Payables
- 52
- 470
- Total Liabilities
- 2,618
- 53
- 70
- Cash & Bank
- 144
- 2,351
- Total Assets
- 2,618
- Total Debt
- 1,508
- Net Working Capital
- 776
- Contingent Liabilities
- 1,279
- Book Value per Share
- 1599.15
- Face Value
- 10.00
- Total Debt
- 1,508
- Net Working Capital
- 776
- Contingent Liabilities
- 1,279
- Book Value per Share
- 1599.15
- Face Value
- 10.00
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|
| 111 | -637 | -661 | |
| Cash from Investing | -72 | 40 | -33 |
| Cash from Financing | 444 | 312 | 542 |
| 483 | -285 | -152 | |
| Free Cash Flow | 111 | -651 | -674 |
| OCF / Net Profit | 4.03 | -3.23 | -4.12 |
| Cumulative 5-Year FCF | 0 | 0 | 0 |
| OCF / Net Profit | 4.03 | -3.23 | -4.12 |
| Cumulative 5-Year FCF | 0 | 0 | 0 |
Mar 2023
- 111
- Cash from Investing
- -72
- Cash from Financing
- 444
- 483
- Free Cash Flow
- 111
- OCF / Net Profit
- 4.03
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 4.03
- Cumulative 5-Year FCF
- 0
Mar 2024
- -637
- Cash from Investing
- 40
- Cash from Financing
- 312
- -285
- Free Cash Flow
- -651
- OCF / Net Profit
- -3.23
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -3.23
- Cumulative 5-Year FCF
- 0
Mar 2025
- -661
- Cash from Investing
- -33
- Cash from Financing
- 542
- -152
- Free Cash Flow
- -674
- OCF / Net Profit
- -4.12
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -4.12
- Cumulative 5-Year FCF
- 0
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|
| PER SHARE | - | - | - |
| EPS (₹) | 57.88 | 412.74 | 299.50 |
| Book Value (₹) | 1041.74 | 1451.28 | 1599.15 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 9.52 | 46.06 | 34.18 |
| PROFITABILITY | - | - | - |
| Operating Margin % | 11.36% | 20.67% | 17.42% |
| Net Margin % | 2.81% | 11.78% | 12.01% |
| ROE % | 5.56% | 33.11% | 20.71% |
| ROCE % | 9.85% | 27.46% | 19.05% |
| 2.27% | 13.29% | 7.36% | |
| EFFICIENCY | - | - | - |
| Debtor Days | 24 | 25 | 32 |
| Inventory Days | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 |
| 24 | 25 | 32 | |
| FINANCIAL HEALTH | - | - | - |
| Debt to Equity (x) | 0.77x | 1.12x | 1.75x |
| Interest Coverage (x) | 1.34x | 4.27x | 2.24x |
| 1.62x | 1.78x | 1.55x | |
| GROWTH | - | - | - |
| Revenue Growth % | 0.00% | 70.09% | -20.12% |
| Operating Profit Growth % | 0.00% | 232.72% | 11.13% |
| Net Profit Growth % | 0.00% | 613.09% | -18.59% |
| 0.00% | 613.09% | -27.44% | |
| VALUATION | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x |
| P/B (x) | 0.00x | 0.00x | 0.00x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% |
| 0.00x | 1.28x | 3.32x |
Mar 2023
- EPS (₹)
- 57.88
- Book Value (₹)
- 1041.74
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 9.52
- Operating Margin %
- 11.36%
- Net Margin %
- 2.81%
- ROE %
- 5.56%
- ROCE %
- 9.85%
- 2.27%
- Debtor Days
- 24
- Inventory Days
- 0
- Payable Days
- 0
- 24
- Debt to Equity (x)
- 0.77x
- Interest Coverage (x)
- 1.34x
- 1.62x
- Revenue Growth %
- 0.00%
- Operating Profit Growth %
- 0.00%
- Net Profit Growth %
- 0.00%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 412.74
- Book Value (₹)
- 1451.28
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 46.06
- Operating Margin %
- 20.67%
- Net Margin %
- 11.78%
- ROE %
- 33.11%
- ROCE %
- 27.46%
- 13.29%
- Debtor Days
- 25
- Inventory Days
- 0
- Payable Days
- 0
- 25
- Debt to Equity (x)
- 1.12x
- Interest Coverage (x)
- 4.27x
- 1.78x
- Revenue Growth %
- 70.09%
- Operating Profit Growth %
- 232.72%
- Net Profit Growth %
- 613.09%
- 613.09%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 1.28x
Mar 2025
- EPS (₹)
- 299.50
- Book Value (₹)
- 1599.15
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 34.18
- Operating Margin %
- 17.42%
- Net Margin %
- 12.01%
- ROE %
- 20.71%
- ROCE %
- 19.05%
- 7.36%
- Debtor Days
- 32
- Inventory Days
- 0
- Payable Days
- 0
- 32
- Debt to Equity (x)
- 1.75x
- Interest Coverage (x)
- 2.24x
- 1.55x
- Revenue Growth %
- -20.12%
- Operating Profit Growth %
- 11.13%
- Net Profit Growth %
- -18.59%
- -27.44%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 3.32x
Documents
Announcements
- Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-19 - OnEMI Technology Solutions Limited has informed the Exchange about Schedule of meet
- Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-18 - OnEMI Technology Solutions Limited has informed the Exchange about Schedule of meet
Annual Reports
Nothing filed yet.
Credit Ratings
Nothing filed yet.
Concalls
Aug 2026
Jun 2026