NSE: KISSHT · BSE: 544754
ONEMI TECHNOLOGY SOL LTD
Operates a digital consumer lending platform under the Kissht brand through its wholly-owned NBFC subsidiary Si Creva, earning revenue primarily through interest on loans disbursed to retail borrowers. As of Q1 FY27, assets under management stood at around ₹8,001 crore, with quarterly disbursements of about ₹3,812 crore. The platform has served 12.25 million cumulative customers and has 74.60 million registered users, indicating a large funnel of borrowers. Asset quality is tracked via GNPA of 2.25%, NNPA of 0.36% and collection efficiency of 96.82%, while the lending book carries a capital adequacy ratio of 40.19%. The company recently obtained an AMFI registration for its subsidiary Invincible Minds (incorporated June 17, 2026), enabling distribution of mutual fund products as a second revenue line. It listed on NSE and BSE in May 2026 after an ₹850 crore IPO, with most proceeds deployed into Si Creva to augment its lending capital base; Si Creva also raised ₹325 crore via NCDs. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Interest income on consumer loans, Mutual fund distribution. Asset-light digital consumer lending platform with NBFC arm
Exhibit 1: Financial summary, FY26–FY26 (all audited; no estimate years)
| ₹ crore · consolidated | FY26 |
|---|---|
| Revenue | 2,179 |
| EBITDA (ex other income) | 651 |
| margin % | 29.9 |
| Owners' profit | 0 |
| EPS, as reported (₹) | 46.80 |
| ROE % · ROCE % | 21.0 · 32.9 |
| Debt / equity (x) | 0.81 |
| Cash from operations | (461) |
| Capex | (10) |
Exhibit 2: Quarterly performance, last 2 quarters
| ₹ crore | Q4 FY26 | Q1 FY27 |
|---|---|---|
| Revenue | 619 | 670 |
| Profit before tax | 110 | 128 |
| Net profit | 82 | 95 |
| EPS (₹) | 10.37 | 6.41 |
Exhibit 3: Peers — basic industry group, by market cap
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| CRISIL LTD | 34,420 | 38.9 | 10.52 | — | 13.7 | 16.1 | — | 30.6 |
| ONEMI TECHNOLOGY SOL LTD ◆ | 5,203 | 18.4 | 3.87 | 8.9 | 21.0 | 18.8 | — | 32.0 |
| GYFTR LIMITED | 1,251 | — | 2.58 | 38.5 | 4.5 | 5.3 | 32.8 | 4.3 |
| PRIME SECURITIES LIMITED | 947 | 169.1 | 3.69 | — | 5.1 | — | 25.7 | 19.0 |
| WEALTH FRST PORT. MG. LTD | 945 | 28.6 | 5.56 | 18.1 | 22.5 | 30.3 | — | 97.5 |
| CENTRUM CAPITAL LIMITED | 903 | — | 0.69 | 9.6 | (21.4) | (2.5) | 49.7 | 29.7 |
| REGENCY FINCORP LIMITED | 564 | 51.6 | 3.52 | — | 8.4 | — | — | 84.3 |
| STELLANT SECURITIES (INDIA) LT | 509 | — | 1623.78 | — | 18.2 | 18.2 | — | 56.7 |
Exhibit 4: Where the company sits in its group
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 18.4 | 18.6 | 37 of 76 | 52% |
| P/B | 3.9 | 1.1 | 93 of 105 | 12% |
| ROCE | 18.8 | 1.8 | 8 of 83 | 92% |
| ROE | 21.0 | 1.3 | 7 of 111 | 95% |
| Debt / Equity | 0.8 | 0.0 | 68 of 77 | 12% |
| EBITDA margin | 32.0 | 25.6 | 41 of 91 | 56% |
| Market cap | 5203 | 26 | 2 of 113 | 99% |
Exhibit 5: Filings of the last 90 days, with the measured price reaction
| Date · filing | Category | Importance | Next day % | 5-day % |
|---|---|---|---|---|
| 24 Oct 2026 · Earnings call set for October 29, 2026 to discuss Q2 and H1 FY27 results | board shareholder meetings | low | — | — |
| 24 Oct 2026 · Board meeting set for October 28 to approve September results | results | low | — | — |
| 23 Oct 2026 · OnEMI allots 2.65 crore shares via preferential issue | fund raising | high | — | — |
| 20 Oct 2026 · NSE and BSE approve preferential issue of about 832 crore by Kissht parent | fund raising | high | — | — |
| 16 Oct 2026 · Preferential issue of 2.65 cr shares at Rs 314.11 clarified with exchanges | fund raising | medium | — | — |
| 14 Oct 2026 · KISSHT EGM approves preferential equity share issue | board shareholder meetings | low | — | — |
| 14 Oct 2026 · Kissht holds EGM, considers preferential equity share issue on private placement | board shareholder meetings | low | — | — |
| 9 Oct 2026 · Newspaper ads for corrigendum to EGM notice on Preferential Issue | compliance | minimal | — | — |
| 8 Oct 2026 · Corrigendum to EGM notice for preferential equity issue | fund raising | medium | — | — |
| 7 Oct 2026 · Routine DP compliance certificate for Sep 2026 quarter | compliance | minimal | — | — |
How to read this document
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions | an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
Sources, method and disclosures
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.