ALFA Finder| Management target | Revenue FY27 |
|---|
| Revenue growth | 45% YoY growth in Total Income. |
|---|---|
| Margins | RoAAUM at 5.05%; expected reduction in cost of borrowings and opex. |
| Order book | AUM at ₹8,001 Cr; PL market projected 24% CAGR to FY30. |
| Demand visibility | Strong; cumulative customers served grew 26% YoY to 12.25 Mn. |
| Management confidence | High; tracking towards FY27 guidance following successful May 2026 listing. |
Growth
PAT grew 59% YoY to ₹95 Cr; Total Income rose 45% YoY to ₹677 Cr.
Outlook
Management confirmed tracking towards FY27 guidance with focus on increasing secured Loan Against Property (LAP) mix.
Risks
Sequential GNPA increased 13 bps to 2.25%; high concentration in unsecured Personal Loans (92.3% of AUM).
Last quarter's promises, checked
Delivered
- AUM growth north of 40% → delivered 61% YoY (= BEAT)
- Return on average AUM 4.5%-5% → delivered 5.05% (= BEAT)
- Gross NPA below 2.25% → delivered 2.25% (= BEAT)
Partly delivered
- ROE range 19-21% → delivered 16.9% annualized based on Q1 PAT (= MISS)
Investor Presentation filed with BSE, NSE: KISSHT. Summary written with AI assistance from the document.
OnEMI Technology Solutions Ltd: key numbers
- Share price
- ₹353.65
- Market cap
- ₹7,238 Cr
- Revenue (annual)
- ₹2,179 Cr
- Net profit (annual)
- ₹281.4 Cr
- P/E (TTM)
- 19.1×Sector 20.8×
- Promoter holding
- 20.42%-4.38% QoQ
- FII holding
- 9.95%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from OnEMI Technology Solutions Ltd
All →OnEMI Technology Solutions Earnings Call Transcript: Key Takeaways
Kashiv (OnEMI) delivers high growth and margin expansion by shifting toward higher-quality, less-leveraged borrowers.
- Call
- Guides 60% growth
OnEMI Technology Solutions Results Update
Kissht reported Q2FY27 PAT of ₹125 Crore, doubling year-on-year, with AUM up 68% to ₹9,317 Crore. Press release accompanies unaudited Q2 and H1 FY27 results.
OnEMI Technology Solutions Investor Presentation: Key Takeaways
Q2 FY27: AUM ₹9,317 Cr (+68% YoY), PAT ₹125 Cr (+100% YoY), RoAAUM 5.78%, GNPA 2.18%. AUM growth guidance raised to 60%+ from 40%+.
OnEMI Technology Solutions Business Update
OnEMI Technology Solutions (Kissht) disclosed its Key Performance Indicators for the quarter ended 30 September 2026. The KPIs, including those defined in its May 2026 prospectus, are published on the company website.
OnEMI Technology Solutions Capital Structure Change
OnEMI will invest ₹624.15 Crore in its wholly owned subsidiary Si Creva via rights subscription. Funds come from preferential issue proceeds, completing by December 2026.
- Value
- ₹624.1 Cr
- Execution
- By end of December 2026
OnEMI Technology Solutions Acquisition Worth ₹624.1 Cr
OnEMI Technology's board approved a Rs.624.15 Crore cash investment in Si Creva Capital Services, subscribing 23,37,516 equity shares at Rs.2,670.14 each. Completion is indicated by end-December 2026.
- Value
- ₹624.1 Cr
- Execution
- By end of December 2026