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 859.1% 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 (26.2% of PBT)
- Company has a low return on capital employed of 11.3%
- Company has a low return on equity of 9.8% over last 3 years
- Free cash flow has been persistently negative
- Thin net interest margin of 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
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 | — | — | — | — |
| OPM % | — | — | — | — |
| Other Income | 4 | 8 | 11 | 116 |
| Interest | 1 | 1 | 1 | 5 |
| Depreciation | 3 | 3 | 3 | 26 |
| 34 | 37 | 64 | 695 | |
| Tax % | 21.46% | 25.51% | 25.57% | 25.21% |
| Net Profit | 27 | 28 | 47 | 519 |
| 5 | 1 | 6 | 4 | |
| 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
- 100
- 66
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4
- Interest
- 1
- Depreciation
- 3
- 34
- Tax %
- 21.46%
- Net Profit
- 27
- 5
- Equity Capital
- 11
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 11
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2025
- 140
- 110
- Operating Profit
- —
- OPM %
- —
- Other Income
- 8
- Interest
- 1
- Depreciation
- 3
- 37
- Tax %
- 25.51%
- Net Profit
- 28
- 1
- Equity Capital
- 11
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 11
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2026
- 204
- 147
- Operating Profit
- —
- OPM %
- —
- Other Income
- 11
- Interest
- 1
- Depreciation
- 3
- 64
- Tax %
- 25.57%
- Net Profit
- 47
- 6
- Equity Capital
- 12
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 12
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2026
- 2,157
- 1,579
- Operating Profit
- —
- OPM %
- —
- Other Income
- 116
- Interest
- 5
- Depreciation
- 26
- 695
- Tax %
- 25.21%
- Net Profit
- 519
- 4
- Equity Capital
- 168
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 168
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|
| 259 | 412 | 306 | 2,601 | |
| 227 | 300 | 239 | 1,902 | |
| Operating Profit | 45 | 129 | 85 | — |
| OPM % | 17 | 31 | 28 | — |
| Other Income | 13 | 17 | 18 | 139 |
| Interest | 4 | 4 | 4 | 8 |
| Depreciation | 15 | 15 | 14 | 35 |
| 26 | 111 | 67 | 830 | |
| Tax % | 7 | 26 | 24 | 25 |
| Net Profit | 25 | 82 | 51 | 622 |
| EPS | 22 | 173 | 95 | — |
| Dividend Payout % | 0 | 0 | 0 | — |
| Minority Interest | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 |
| Adjusted EPS | 5 | 17 | 9 | — |
| Minority Interest | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 |
| Adjusted EPS | 5 | 17 | 9 | — |
Mar 2023
- 259
- 227
- Operating Profit
- 45
- OPM %
- 17
- Other Income
- 13
- Interest
- 4
- Depreciation
- 15
- 26
- Tax %
- 7
- Net Profit
- 25
- EPS
- 22
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 5
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 5
Mar 2024
- 412
- 300
- Operating Profit
- 129
- OPM %
- 31
- Other Income
- 17
- Interest
- 4
- Depreciation
- 15
- 111
- Tax %
- 26
- Net Profit
- 82
- EPS
- 173
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 17
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 17
Mar 2025
- 306
- 239
- Operating Profit
- 85
- OPM %
- 28
- Other Income
- 18
- Interest
- 4
- Depreciation
- 14
- 67
- Tax %
- 24
- Net Profit
- 51
- EPS
- 95
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 9
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 9
TTM
- 2,601
- 1,902
- Operating Profit
- —
- OPM %
- —
- Other Income
- 139
- Interest
- 8
- Depreciation
- 35
- 830
- Tax %
- 25
- Net Profit
- 622
- 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:
- 10%
- Last Year:
- 9%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|
| LIABILITIES | - | - | - |
| 5 | 5 | 5 | |
| 481 | 556 | 611 | |
| Trade Payables | 11 | 12 | 21 |
| 122 | 190 | 227 | |
| Total Liabilities | 618 | 763 | 864 |
| ASSETS | - | - | - |
| 53 | 40 | 29 | |
| 296 | 431 | 581 | |
| 0 | 134 | 82 | |
| Cash & Bank | 232 | 121 | 11 |
| 37 | 37 | 162 | |
| Total Assets | 618 | 763 | 864 |
| Total Debt | 0 | 0 | 0 |
| Net Working Capital | 222 | 219 | 130 |
| Contingent Liabilities | 390 | 709 | 1,265 |
| Book Value per Share | 995.50 | 1173.56 | 1148.58 |
| Face Value | 10.00 | 10.00 | 10.00 |
| Total Debt | 0 | 0 | 0 |
| Net Working Capital | 222 | 219 | 130 |
| Contingent Liabilities | 390 | 709 | 1,265 |
| Book Value per Share | 995.50 | 1173.56 | 1148.58 |
| Face Value | 10.00 | 10.00 | 10.00 |
Mar 2023
- 5
- 481
- Trade Payables
- 11
- 122
- Total Liabilities
- 618
- 53
- 296
- 0
- Cash & Bank
- 232
- 37
- Total Assets
- 618
- Total Debt
- 0
- Net Working Capital
- 222
- Contingent Liabilities
- 390
- Book Value per Share
- 995.50
- Face Value
- 10.00
- Total Debt
- 0
- Net Working Capital
- 222
- Contingent Liabilities
- 390
- Book Value per Share
- 995.50
- Face Value
- 10.00
Mar 2024
- 5
- 556
- Trade Payables
- 12
- 190
- Total Liabilities
- 763
- 40
- 431
- 134
- Cash & Bank
- 121
- 37
- Total Assets
- 763
- Total Debt
- 0
- Net Working Capital
- 219
- Contingent Liabilities
- 709
- Book Value per Share
- 1173.56
- Face Value
- 10.00
- Total Debt
- 0
- Net Working Capital
- 219
- Contingent Liabilities
- 709
- Book Value per Share
- 1173.56
- Face Value
- 10.00
Mar 2025
- 5
- 611
- Trade Payables
- 21
- 227
- Total Liabilities
- 864
- 29
- 581
- 82
- Cash & Bank
- 11
- 162
- Total Assets
- 864
- Total Debt
- 0
- Net Working Capital
- 130
- Contingent Liabilities
- 1,265
- Book Value per Share
- 1148.58
- Face Value
- 10.00
- Total Debt
- 0
- Net Working Capital
- 130
- Contingent Liabilities
- 1,265
- Book Value per Share
- 1148.58
- Face Value
- 10.00
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|
| 76 | 53 | 82 | |
| Cash from Investing | -179 | -145 | -181 |
| Cash from Financing | 295 | -18 | -10 |
| 192 | -110 | -110 | |
| Free Cash Flow | 76 | 52 | 81 |
| OCF / Net Profit | 3.07 | 0.64 | 1.61 |
| Cumulative 5-Year FCF | 0 | 0 | 0 |
| OCF / Net Profit | 3.07 | 0.64 | 1.61 |
| Cumulative 5-Year FCF | 0 | 0 | 0 |
Mar 2023
- 76
- Cash from Investing
- -179
- Cash from Financing
- 295
- 192
- Free Cash Flow
- 76
- OCF / Net Profit
- 3.07
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 3.07
- Cumulative 5-Year FCF
- 0
Mar 2024
- 53
- Cash from Investing
- -145
- Cash from Financing
- -18
- -110
- Free Cash Flow
- 52
- OCF / Net Profit
- 0.64
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 0.64
- Cumulative 5-Year FCF
- 0
Mar 2025
- 82
- Cash from Investing
- -181
- Cash from Financing
- -10
- -110
- Free Cash Flow
- 81
- OCF / Net Profit
- 1.61
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 1.61
- Cumulative 5-Year FCF
- 0
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|
| PER SHARE | - | - | - |
| EPS (₹) | 50.57 | 172.53 | 94.91 |
| Book Value (₹) | 995.50 | 1173.56 | 1148.58 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 8.08 | 20.29 | 12.09 |
| PROFITABILITY | - | - | - |
| Operating Margin % | 17.28% | 27.26% | 22.07% |
| Net Margin % | 9.53% | 20.02% | 16.62% |
| ROE % | 5.08% | 15.76% | 8.65% |
| ROCE % | 5.41% | 18.71% | 9.90% |
| 3.99% | 11.94% | 6.25% | |
| EFFICIENCY | - | - | - |
| Debtor Days | 32 | 70 | 129 |
| Inventory Days | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 |
| 32 | 70 | 129 | |
| FINANCIAL HEALTH | - | - | - |
| Debt to Equity (x) | 0.00x | 0.00x | 0.00x |
| Interest Coverage (x) | 8.44x | 32.66x | 16.67x |
| 6.34x | 4.31x | 2.50x | |
| GROWTH | - | - | - |
| Revenue Growth % | 0.00% | 59.16% | -25.69% |
| Operating Profit Growth % | 0.00% | 188.76% | -34.17% |
| Net Profit Growth % | 0.00% | 234.19% | -38.28% |
| 0.00% | 241.19% | -44.99% | |
| 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 | -0.86x | -0.00x |
Mar 2023
- EPS (₹)
- 50.57
- Book Value (₹)
- 995.50
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 8.08
- Operating Margin %
- 17.28%
- Net Margin %
- 9.53%
- ROE %
- 5.08%
- ROCE %
- 5.41%
- 3.99%
- Debtor Days
- 32
- Inventory Days
- 0
- Payable Days
- 0
- 32
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 8.44x
- 6.34x
- 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 (₹)
- 172.53
- Book Value (₹)
- 1173.56
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 20.29
- Operating Margin %
- 27.26%
- Net Margin %
- 20.02%
- ROE %
- 15.76%
- ROCE %
- 18.71%
- 11.94%
- Debtor Days
- 70
- Inventory Days
- 0
- Payable Days
- 0
- 70
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 32.66x
- 4.31x
- Revenue Growth %
- 59.16%
- Operating Profit Growth %
- 188.76%
- Net Profit Growth %
- 234.19%
- 241.19%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- -0.86x
Mar 2025
- EPS (₹)
- 94.91
- Book Value (₹)
- 1148.58
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 12.09
- Operating Margin %
- 22.07%
- Net Margin %
- 16.62%
- ROE %
- 8.65%
- ROCE %
- 9.90%
- 6.25%
- Debtor Days
- 129
- Inventory Days
- 0
- Payable Days
- 0
- 129
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 16.67x
- 2.50x
- Revenue Growth %
- -25.69%
- Operating Profit Growth %
- -34.17%
- Net Profit Growth %
- -38.28%
- -44.99%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- -0.00x
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