ALFA Finder| Management target | Revenue 40.0% FY27 |
|---|
| Revenue growth | Total income grew 45% YoY; AUM up 61% YoY. |
|---|---|
| Margins | Revenue margins compressed 249 bps due to higher high-quality customer mix. |
| Demand visibility | Strong demand from 74.6 million registered users and growing credit markets. |
| Management confidence | Balanced; focused on prudence and risk-adjusted growth over sheer volume. |
Growth
AUM grew 61% YoY to ₹8,001 Cr; Net Profit rose 59% to ₹95 Cr.
Outlook
Guiding 40%+ AUM growth and 15% reduction in credit costs for FY27.
Risks
Rising industry-wide defaults in small loans; management paused lending in 450 pin codes to contain risk.
Last quarter's promises, checked
Delivered
- Guided 40%+ AUM growth → delivered 61% YoY (= BEAT)
- Targeted ROA 4.5%-5% → delivered 5% (= BEAT)
- Targeted ROE 19%-21% → delivered 24% (= BEAT)
Partly delivered
- Targeted 10%-15% credit cost reduction → delivered 7% impairment in Q4 (= PARTIAL)
Missed
- Targeted GNPA below 2.25% → delivered 2.89% (= MISS)
Earnings Call Transcript filed with BSE, NSE: KISSHT. Summary written with AI assistance from the document.
OnEMI Technology Solutions Ltd: key numbers
- Share price
- ₹358.50
- Market cap
- ₹7,338 Cr
- Revenue (annual)
- ₹2,179 Cr
- Net profit (annual)
- ₹281.4 Cr
- P/E (TTM)
- 19.3×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