KISSHT
OnEMI Technology Solutions Limited
Digital lender for personal loans and adjacent credit products
Financial Services›Financial Services›Finance›Other Financial Services
kissht.com(opens the company website in a new tab)Key metrics
Price as of 2026-10-16
Full years shown; sign in free for the trailing twelve months. Learn about these metrics →
Price & valuation
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What you need to know
OnEMI Technology Solutions, which runs the Kissht lending app, is a digital lender that gives personal loans and loans against property to mass-market and mass-affluent borrowers across India.
Company snapshot
2ndBy market cap
Ranked among 15 companies in Other Financial Services.
What we see
- ✓Revenue grew 63% in the latest year — strong top-line momentum.
- ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Mar 2026 | Jun 2026 |
|---|---|---|
| Sales | 619 Cr | 670 Cr |
| Operating expenses (approx.) | 433 Cr | 462 Cr |
| EBITDA | 186 Cr | 207 Cr |
| OPM % | 30.1% | 31.0% |
| Other income | 6 Cr | 7 Cr |
| Interest | 77 Cr | 82 Cr |
| Depreciation | 5 Cr | 5 Cr |
| Profit before tax | 110 Cr | 128 Cr |
| Tax % | 25.5% | 25.5% |
| Net profit | 82 Cr | 95 Cr |
| EPS (₹) | ₹10.37 | ₹6.41 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|
| Sales | 984 Cr | 1,674 Cr | 1,337 Cr | 2,179 Cr | Sign in free for the trailing twelve months |
| Operating expenses (approx.) | 904 Cr | 1,341 Cr | 949 Cr | 1,529 Cr | Sign in free for the trailing twelve months |
| EBITDA | 81 Cr | 333 Cr | 388 Cr | 651 Cr | Sign in free for the trailing twelve months |
| OPM % | 8.2% | 19.9% | 29.0% | 29.9% | Sign in free for the trailing twelve months |
| Other income | 17 Cr | 26 Cr | 15 Cr | 30 Cr | Sign in free for the trailing twelve months |
| Interest | 56 Cr | 69 Cr | 164 Cr | 282 Cr | Sign in free for the trailing twelve months |
| Depreciation | 18 Cr | 23 Cr | 23 Cr | 22 Cr | Sign in free for the trailing twelve months |
| Profit before tax | 24 Cr | 267 Cr | 216 Cr | 377 Cr | Sign in free for the trailing twelve months |
| Tax % | -15.5% | 26.2% | 25.7% | 25.3% | Sign in free for the trailing twelve months |
| Net profit | 28 Cr | 197 Cr | 161 Cr | 281 Cr | Sign in free for the trailing twelve months |
| EPS (₹) | ₹6.26 | ₹41.27 | ₹33.09 | ₹46.80 | Sign in free for the trailing twelve months |
| Dividend payout % | — | — | — | 0.0% | Sign in free for the trailing twelve months |
The latest four quarters added up, next to each full year
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Equity capital | 5 Cr | 5 Cr | 5 Cr | 12 Cr |
| Reserves | 561 Cr | 800 Cr | 1,001 Cr | 1,331 Cr |
| Borrowings | 388 Cr | 784 Cr | 1,508 Cr | 1,092 Cr |
| Other liabilities | 321 Cr | 208 Cr | 188 Cr | 1,554 Cr |
| Total liabilities | 1,275 Cr | 1,797 Cr | 2,701 Cr | 3,989 Cr |
| Fixed assets (net) | 9 Cr | 7 Cr | 6 Cr | 7 Cr |
| CWIP | — | — | — | 0 Cr |
| Investments | — | — | — | 8 Cr |
| Loans & advances | — | — | — | 2,639 Cr |
| Trade receivables | 66 Cr | 162 Cr | 70 Cr | 104 Cr |
| Cash & bank | 570 Cr | 285 Cr | 133 Cr | 209 Cr |
| Other assets | 630 Cr | 1,342 Cr | 2,492 Cr | 1,021 Cr |
| Total assets | 1,275 Cr | 1,797 Cr | 2,701 Cr | 3,989 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Cash from operating activity | 111 Cr | -637 Cr | -661 Cr | -461 Cr |
| Cash from investing | -72 Cr | 40 Cr | -33 Cr | -70 Cr |
| Cash from financing | 444 Cr | 312 Cr | 542 Cr | 608 Cr |
| Net cash flow | 483 Cr | -285 Cr | -152 Cr | 77 Cr |
| Free cash flow (OCF − Capex) | 102 Cr | -640 Cr | -669 Cr | -471 Cr |
Ratios
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| ROCE % | 8.4% | 21.2% | 15.1% | 27.1% |
| ROE % | 4.9% | 24.5% | 16.0% | 21.0% |
| Debtor days | 24 | 35 | 19 | 17 |
| Inventory days | — | — | — | 0 |
| Days payable | 9 | 7 | 14 | 18 |
| Cash conversion cycle | 15 | 28 | 5 | -0 |
| Debt / equity | 0.69 | 0.97 | 1.50 | 0.81 |
| Current ratio | 1.66 | 1.86 | 1.56 | 1.57 |
| Net debt / EBITDA | -2.26 | 1.50 | 3.54 | 1.36 |