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
| ₹ 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) |
| ₹ crore | Q4 FY26 | Q1 FY27 |
|---|---|---|
| Revenue | 619 | 670 |
| Profit before tax | 110 | 128 |
| Net profit | 82 | 95 |
| EPS (₹) | 10.37 | 6.41 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| CRISIL LTD | 34,342 | 38.9 | 10.50 | — | 13.7 | 16.1 | — | 30.6 |
| ONEMI TECHNOLOGY SOL LTD ◆ | 5,526 | 19.6 | 4.12 | 9.4 | 21.0 | 18.8 | — | 32.0 |
| GYFTR LIMITED | 1,359 | — | 2.80 | 41.8 | 4.5 | 5.3 | 32.8 | 4.3 |
| CENTRUM CAPITAL LIMITED | 1,077 | — | 0.82 | 9.7 | (21.4) | (2.5) | 49.7 | 29.7 |
| PRIME SECURITIES LIMITED | 961 | 171.5 | 3.75 | 87.4 | 5.1 | — | 25.7 | 19.0 |
| WEALTH FRST PORT. MG. LTD | 900 | 27.3 | 5.29 | 17.3 | 22.5 | 30.3 | — | 97.5 |
| STELLANT SECURITIES (INDIA) LT | 559 | — | 1784.58 | — | 18.2 | 18.2 | — | 56.7 |
| THE INVEST TRUST OF IND L | 511 | 15.3 |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 8 Sept 2026 · OnEMI Technology Solutions schedules investor meets on September 11, 2026 | board shareholder meetings | low | — | — |
| 1 Sept 2026 · Investor meet scheduled for September 4, 2026 | board shareholder meetings | low | — | — |
| 31 Aug 2026 · Kissht parent firm schedules non-deal road show with investor on Sept 3 | board shareholder meetings | low | — | — |
| 28 Aug 2026 · AGM notice and annual report sent to shareholders | compliance | minimal | — | — |
| 28 Aug 2026 · Newspaper Advertisements Published For 10th AGM Notice Of OnEMI Technology | compliance | minimal | — | — |
| 27 Aug 2026 · 10th AGM notice and FY26 annual report filed; AGM on Sept 22 | board shareholder meetings | medium | — | — |
| 27 Aug 2026 · OnEMI Kissht files FY26 annual report; 10th AGM on Sept 22 | board shareholder meetings | medium | — | — |
| 27 Aug 2026 · OnEMI Technology announces 10th AGM on Sept 22, 2026 via video conferencing | compliance | minimal | — | — |
| 26 Aug 2026 · KISSHT board okays wider financial tech scope, fixes AGM on Sep 22, 2026 | corporate actions | medium | — | — |
| 26 Aug 2026 · Board approves MoA alteration, 10th AGM set for Sep 22, 2026 | corporate actions | medium | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) |
| 0.70 |
| 7.1 |
| 4.7 |
| 3.9 |
| (2.4) |
| 23.4 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 19.6 | 17.9 | 52 of 95 | 46% |
| P/B | 4.1 | 1.2 | 88 of 101 | 13% |
| ROCE | 18.8 | 1.6 | 8 of 84 | 92% |
| ROE | 21.0 | 1.3 | 7 of 115 | 95% |
| Debt / Equity | 0.8 | 0.0 | 106 of 115 | 8% |
| EBITDA margin | 32.0 | 25.6 | 41 of 91 | 56% |
| Market cap | 5526 | 28 | 2 of 109 | 99% |
| 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 |
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.
