OnEMI Technology Solutions LimitedQ2 FY27 Results & Financial Update
OnEMI Technology Solutions Limited: Q2 FY27 consolidated results and company financials – revenue ₹731.81 Cr, PAT ₹125.12 Cr. Explore reported YoY/QoQ movements, margins, business drivers and management commentary. This page does not provide a rating, target price or investment recommendation.
Quarter at a glanceCurrent reported figures.Change figures appear when a comparable reported period is available.
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Quarterly Results AnalysisExplore OnEMI Technology Solutions Q2 FY27 quarterly results and earnings: revenue, profit (PAT), EBITDA, margins, YoY and QoQ growth, order book or business updates where reported, financial performance and management commentary. Reported figures and Nivata calculations are shown separately; no buy, sell or hold recommendation is provided.
Quarter overview
Quarterly earnings analysis
During the quarter ended September 30, 2026, OnEMI Technology Solutions recorded consolidated revenue from operations of ₹731.81 crore, representing a 9.31% increase sequentially compared to ₹669.50 crore in Q1 FY27.
Total consolidated income for Q2 FY27 reached ₹740.29 crore, supported by ₹779.60 crore in interest income and ₹8.48 crore in other income, advancing from ₹676.56 crore in the preceding quarter.
Profit before tax (PBT) expanded to ₹154.25 crore in Q2 FY27 from ₹127.70 crore in Q1 FY27, reflecting a quarter-on-quarter growth of 20.79%.
Consolidated net profit after tax (PAT) rose to ₹125.12 crore for the quarter, marking a 31.60% increase over the ₹95.08 crore reported in the June 2026 quarter.
Basic earnings per share (EPS) climbed to ₹7.28 for Q2 FY27 compared to ₹5.88 in Q1 FY27.
Provisions for the quarter stood at ₹9.28 crore, while finance costs moderated to ₹72.38 crore from ₹81.88 crore in the prior quarter.
OnEMI Technology Solutions Limited reported consolidated revenue of ₹731.81 crore for Q2 FY27, representing a 9.31% increase compared to ₹669.50 crore in the previous quarter (Q1 FY27).
01 · Business model
What does OnEMI Technology Solutions do?
OnEMI Technology Solutions Limited, operating under the brand name Kissht, functions as a technology-first digital lender targeting India's mass market and mass affluent consumer segments.
The company provides digital credit and financial solutions, leveraging technology to facilitate seamless borrowing, user acquisition, and portfolio management across digital channels.
02 · Historical context
What shaped the business before this quarter
The registered user base grew from 59.96 million as of September 30, 2025, to 79.54 million by September 30, 2026.
Cumulative customers served expanded from 10.45 million as of September 30, 2025, to 12.80 million as of September 30, 2026.
Assets under management grew from ₹5,533 crore as of September 30, 2025, reaching ₹9,317 crore by the end of Q2 FY27.
03 · Financial snapshot
Current quarter vs the available comparable
| Metric | Q2 FY27 | Previous quarter |
|---|---|---|
| Revenue from operations | ₹731.81 Cr | ₹669.50 Cr |
| Total income | ₹740.29 Cr | ₹676.56 Cr |
| Profit before tax | ₹154.25 Cr | ₹127.70 Cr |
| Profit after tax | ₹125.12 Cr | ₹95.08 Cr |
| EPS | ₹7.28 | ₹5.88 |
Financial interpretation
What the reported numbers mean
Profit after tax represented 17.1% of reported quarterly operating revenue. This is a calculated net-profit-to-sales ratio, not a company-reported operating margin. It measures the outcome after expenses and tax; it does not, by itself, establish how margins changed versus another period.
Profit before tax was equivalent to 21.1% of quarterly operating revenue. The distinction between pre-tax and post-tax profit matters when interpreting earnings; neither ratio identifies an underlying cost driver without a properly matched comparative period.
Total income exceeded operating revenue by ₹8.48 crore. This is the disclosed difference between the two lines, not incremental sales. The distinction matters when assessing how much of the quarter’s reported income came from the operating top line.
Ratios above are calculated from the reported quarterly figures. They are analytical descriptions, not company-reported margin guidance or an investment recommendation.
04 · Why it moved
Why the quarter looked the way it did
What drove revenue
Revenue from operations increased by 9.31% quarter-on-quarter to ₹731.81 crore in Q2 FY27, up from ₹669.50 crore in Q1 FY27.
Revenue from operations expanded to ₹731.81 crore in Q2 FY27 from ₹669.50 crore in Q1 FY27, reflecting an increase of 9.31%.
What drove margins
Finance costs decreased sequentially to ₹72.38 crore in Q2 FY27 from ₹81.88 crore in Q1 FY27, supporting profitability.
Tax expenses for the quarter were recorded at ₹29.13 crore compared to ₹32.62 crore in the preceding quarter.
PAT margin improved by approximately 290 basis points sequentially to reach 17.10% in Q2 FY27 compared to 14.20% in Q1 FY27.
05 · Demand, customers & order book
Where demand is coming from
Registered user base reached 79.54 million as of September 30, 2026, representing a 32.6% year-on-year increase from 59.96 million.
Cumulative customers served stood at 12.80 million as of September 30, 2026, with 0.55 million new customers added during Q2 FY27.
The registered user base expanded to 79.54 million as of September 30, 2026, compared to 59.96 million a year ago, reflecting a 32.6% YoY growth.
Cumulative customers served reached 12.80 million as of September 30, 2026, compared to 10.45 million a year ago, with 0.55 million new customers added during Q2 FY27.
06 · Segments, products & geography
Which parts of the business are doing the work
Segments and products
The Loan Against Property (LAP) portfolio mix increased to 7.9% of total AUM as of September 30, 2026, compared to 4.1% a year ago and 7.7% as of June 30, 2026.
07 · Reported developments
What changed operationally
Assets under management (AUM) grew by approximately 68.4% year-on-year to ₹9,317 crore as of September 30, 2026, increasing by ₹1,316 crore during Q2 FY27 (16.4% QoQ).
Assets under management grew by 68.4% year-on-year to approximately ₹9,317 crore as of September 30, 2026, up from ₹5,533 crore a year ago and increasing by ₹1,316 crore (16.4% QoQ) during the quarter.
08 · Items worth noticing
The line items that can distort a quick read
Recorded provisions of ₹9.28 crore for the quarter ended September 30, 2026.
09 · Previous-quarter changes
What changed since the previous quarter
AUM expanded by approximately ₹1,316 crore during Q2 FY27, achieving a 16.4% sequential increase over Q1 FY27.
10 · Key Q&A
The quarter, answered directly
What does OnEMI Technology Solutions do?
OnEMI Technology Solutions Limited, operating under the brand name Kissht, functions as a technology-first digital lender targeting India's mass market and mass affluent consumer segments.
What is the clearest takeaway from Q2 FY27?
During the quarter ended September 30, 2026, OnEMI Technology Solutions recorded consolidated revenue from operations of ₹731.81 crore, representing a 9.31% increase sequentially compared to ₹669.50 crore in Q1 FY27.
What drove revenue or demand?
Revenue from operations increased by 9.31% quarter-on-quarter to ₹731.81 crore in Q2 FY27, up from ₹669.50 crore in Q1 FY27.
What mattered most for margins or profitability?
Finance costs decreased sequentially to ₹72.38 crore in Q2 FY27 from ₹81.88 crore in Q1 FY27, supporting profitability.
What should the next disclosure help confirm?
Monitor the pace of growth in Assets Under Management beyond the ₹9,317 crore milestone.
11 · Scenario calculator
Earnings sensitivity: what if growth and margins change?
Starting point
Build your own next-quarter scenario
Reported values are prefilled where a comparable basis is available. Otherwise, the field starts at 0. You can overwrite every field.
Example: enter 10 for 10% revenue growth. Enter -100 for a 1 percentage-point margin decline.
Scenario output
Scenario revenue / income₹0 cr
Scenario profit after tax₹0 cr
Profit change vs base₹0 cr (0%)
Scenario margin0%
Growth needed to keep profit flat after this margin move0%
The calculator holds the selected margin basis constant except for the basis-point adjustment you enter. It does not estimate tax, finance cost, dilution, working capital, valuation or share price.
12 · Next filing checkpoints
What the next disclosure can confirm or change
- 01
AUM scaling: Monitor the pace of growth in Assets Under Management beyond the ₹9,317 crore milestone.
- 02
LAP portfolio mix: Track the proportion of the Loan Against Property portfolio relative to total AUM.
Learn the metrics
Need the concepts first?
Use Nivata’s plain-English guides to understand the accounting terms used in this brief before interpreting them.