Onemi Technology Solutions Ltd (KISSHT)

Consumer Services · E-Commerce/App based Aggregator · NSE · Updated 1 September 2026

By StockFin Research Team • AI-Assisted Analysis • Source: BSE/NSE Filings

₹306.85

🎯 Key Takeaways

Onemi Technology Solutions Ltd (KISSHT) is in a high-growth, post-IPO expansion phase within India's underpenetrated credit market, characterized by strong top-line momentum, improving profitability, and disciplined capital allocation. The company has transitioned from a pre-IPO private lender to a publicly listed entity with a diversified funding model and asset-light structure, focusing on scaling its Loan Against Property (LAP) and secured lending portfolios while maintaining prudent risk metrics.
Revenue grew 8.1% QoQ to ₹670 in Q1FY27.
⚠️ 1) Macro-financial volatility in India’s credit market could impact lending volumes and asset quality despite current low GNPA. 2) Regulatory changes

Market Cap

₹5,170

P/E Ratio

7.3

P/B Ratio

5.17

ROE

31.4%

ROCE

28.5%

Debt/Equity

1.51

Promoter

24.8%

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📖 The Story

Onemi Technology Solutions Ltd (KISSHT) is in a high-growth, post-IPO expansion phase within India's underpenetrated credit market, characterized by strong top-line momentum, improving profitability, and disciplined capital allocation. The company has transitioned from a pre-IPO private lender to a publicly listed entity with a diversified funding model and asset-light structure, focusing on scaling its Loan Against Property (LAP) and secured lending portfolios while maintaining prudent risk metrics.

📰 What's Happening

The company completed its IPO in May 2026, raising ₹9,259.20 million gross proceeds, and reported robust FY2025-26 results with 73% YoY AUM growth to ₹7,066 crore, 63% revenue growth to ₹2,209 crore, and 75% PAT growth to ₹281 crore. The 10th AGM held on May 27, 2026, approved the adoption of FY2026 financial statements, re-appointment of Director Ranvir Singh, and appointment of secretarial auditor Ms. Ramadevi Satish Venigalla. The board also scheduled the 10th AGM for September 22, 2026, with remote e-voting and speaker registration requirements. Additionally, the company altered its Memorandum of Association to expand its operational scope into technology platforms and financial services, pending shareholder approval at the upcoming AGM.

Source: Stock Announcements

📊 Quarterly Results (₹ Cr)

Metric	Jun 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	463	591	619	670
Operating Profit	77	94	104	121
OPM %	16.7%	15.9%	16.9%	18.0%
Net Profit	60	77	82	95
EPS	₹11.14	₹14.25	₹10.37	₹6.41

Revenue has grown consistently from ₹463 crore in June 2025 to ₹670 crore in June 2026, with operating margins expanding from 16.7% to 18.0% and net profit rising from ₹60 crore to ₹95 crore over the same period, indicating operational leverage and efficient scaling. This growth is underpinned by AI-driven lending, expanded LAP offerings, and a 50% repeat customer AUM share, as highlighted in the FY2025-26 annual report. The company’s capital adequacy ratio of 25.28% and low GNPA of 2.12% reflect strong asset quality, supporting sustainable expansion without compromising risk discipline.

🔮 Management Outlook & What's Next

Management has outlined a strategic focus on scaling its secured lending portfolio with a target of 40%+ AUM growth through disciplined expansion of Loan Against Property (LAP) and AI integration across underwriting and collections, while maintaining an asset-light model with limited FLDG (0-5%). The company aims to grow its personal loan portfolio to ₹36.5-39.6 trillion by FY30, emphasizing regulated, capital-efficient growth. No dividends were declared for FY2025-26, and no explicit short-term financial targets or timelines were provided beyond the FY30 portfolio growth goal, with execution and macroeconomic volatility identified as key monitoring areas.

Extracted from official company announcements. Not StockFin.ai's opinion.

🏦 Balance Sheet (₹ Cr)

Item	Mar 2025	Mar 2026
Equity Capital	5	12
Reserves	995	1,331
Borrowings	1,508	1,928
Total Liabilities	2,701	3,989
Fixed Assets	58	38
Investments	0	8
Total Assets	2,701	3,989

The balance sheet shows a significant rise in equity from ₹5 crore to ₹12 crore and reserves from ₹995 crore to ₹1,331 crore between March 2025 and March 2026, reflecting capital infusion post-IPO and retained earnings from profitability. Borrowings increased from ₹1,508 crore to ₹1,928 crore, primarily to fund asset growth, while total assets nearly doubled to ₹3,989 crore, indicating aggressive reinvestment in the lending portfolio. The capital structure remains capital-efficient with a D/E of 1.51, and the company’s funding model is diversified across 45+ lenders, reducing reliance on any single source.

💰 Cash Flow Statement (₹ Cr)

Item	Mar 2025
Operating	-661
Investing	-33
Financing	+542
Net Cash Flow	-152

👥 Shareholding Pattern

Category	Q1FY27
Promoters	24.8%
FII	7.6%
DII	19.1%
Public	12.6%
# Shareholders	36,039

Institutional investors (FII 7.64%, DII 19.05%) hold a significant stake, with public shareholders at 12.61%, indicating growing institutional confidence post-IPO. Promoter holding stands at 24.8%, suggesting limited promoter dilution, while the broad shareholder base of 36,039 investors reflects retail engagement. No pledging or exit signals from promoters or institutions are evident in the latest data, supporting stability in ownership structure.

⚖️ Peer Comparison — E-Commerce/App based Aggregator

Company	MCap (₹ Cr)	P/E	ROCE	ROE	D/E
ETERNAL	3.16 L Cr	697.2	4.1%	1.4%	0.00
PAYTM	1.07 L Cr	165.2	4.8%	4.3%	0.00
NYKAA	97,914	384.2	24.2%	18.0%	0.52
MEESHO	94,731	—	-104.3%	-114.7%	0.00
NAUKRI	85,802	53.6	6.2%	5.0%	0.00
POLICYBZR	84,581	112.6	12.9%	11.6%	0.00
SWIGGY	77,606	—	-19.2%	-20.5%	0.01
URBANCO	25,747	—	-11.7%	-15.6%	0.00
PINELABS	18,981	145.6	4.1%	2.2%	0.05
TBOTEK	18,951	70.5	17.0%	17.1%	0.42

🔗 Peer Stock Analyses

ETERNAL PAYTM NYKAA MEESHO NAUKRI

⚠️ Risk Factors

1) Macro-financial volatility in India’s credit market could impact lending volumes and asset quality despite current low GNPA. 2) Regulatory changes in consumer credit or fintech operations may require operational adjustments. 3) Execution risk in scaling the LAP and secured lending portfolios, particularly in maintaining underwriting standards amid competition. 4) High growth expectations may pressure margins if cost discipline erodes, though current OPM trends remain stable.

📋 Recent Filings

🧠 Analyst's Read

Onemi Technology Solutions is executing a capital-efficient growth strategy in India’s credit market with strong profitability and asset quality, but investors must monitor macroeconomic headwinds, regulatory shifts, and the operational execution of its LAP expansion and FY30 portfolio targets. The company’s asset-light model and institutional backing provide resilience, yet disciplined capital allocation remains critical to sustaining momentum.

Based on filing content and financial data. Not a recommendation.

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Data sourced from stock announcements. Analysis generated by StockFin.ai.
For informational purposes only — not investment advice. Updated 2026-09-01.

Editorial & Data Transparency Notice

This analysis was programmatically compiled using StockFin AI utilizing official regulatory disclosures from the BSE and NSE. Content is automatically synthesized and audited against public financial filings. StockFin.ai is an educational research platform and is NOT a SEBI-registered investment advisor or research analyst.

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