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OnEMI Technology SolutionsNSE:KISSHT +1.72%17 Debt-to-EBITDA is 5.18 as of Mar. 2025, which is at its 10-year median of 5.18. GuruFocus rates NSE:KISSHT with a GF Score™ of 17/100. The stock has 8 warning signs investors should review. Among 282 Credit Services companies, OnEMI Technology Solutions ranks better than 62.77% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for OnEMI Technology Solutions's Debt-to-EBITDA or its related term are showing as below:
NSE:KISSHT'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.65 Med: 5.18 Max: 6.99
Current: 5.18
During the past 3 years, the highest Debt-to-EBITDA Ratio of OnEMI Technology Solutions was 6.99. The lowest was 2.65. And the median was 5.18.
NSE:KISSHT's Debt-to-EBITDA is ranked better than 62.77% of 282
companies
in the Credit Services industry
Industry Median: 8.585
vs NSE:KISSHT: 5.18
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
OnEMI Technology Solutions Debt-to-EBITDA Related Terms
OnEMI Technology Solutions Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
OnEMI Technology Solutions Debt-to-EBITDA Chart
OnEMI Technology Solutions Annual Data
Trend
Mar23
Mar24
Mar25
Debt-to-EBITDA
6.99
2.65
5.18
OnEMI Technology Solutions Semi-Annual Data
Mar23
Mar24
Mar25
Debt-to-EBITDA
6.99
2.65
5.18
NSE:KISSHT vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, OnEMI Technology Solutions's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
OnEMI Technology Solutions Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OnEMI Technology Solutions's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where OnEMI Technology Solutions's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is one times the quarterly (Mar. 2025) EBITDA data.
OnEMI Technology Solutions (NSE:KISSHT) has a Debt-to-EBITDA of 5.18 as of Mar. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on OnEMI Technology Solutions. This is near median its historical median of 5.18. Over the past decade, OnEMI Technology Solutions' Debt-to-EBITDA has ranged from 2.65 to 6.99. According to the industry distribution chart, OnEMI Technology Solutions ranks #105 out of 282 companies in the Credit Services industry, placing it in the top 37.2%.
Is OnEMI Technology Solutions' Debt-to-EBITDA too high?
OnEMI Technology Solutions' current Debt-to-EBITDA of 5.18 is near median its 10-year median of 5.18. Over the past 10 years, this metric has ranged from a low of 2.65 to a high of 6.99. The Credit Services industry median Debt-to-EBITDA is 8.59. OnEMI Technology Solutions' value of 5.18 is 39.7% below this industry median. Based on the distribution chart, OnEMI Technology Solutions ranks #105 out of 282 companies in the Credit Services industry, which is above the industry midpoint. Overall, OnEMI Technology Solutions has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does OnEMI Technology Solutions' Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, OnEMI Technology Solutions ranks #105 out of 282 companies for Debt-to-EBITDA. This puts OnEMI Technology Solutions in the upper half of its industry. The industry median Debt-to-EBITDA is 8.59. OnEMI Technology Solutions' value of 5.18 is 39.7% below this benchmark. Historically, OnEMI Technology Solutions' own Debt-to-EBITDA has ranged from 2.65 to 6.99 over the past decade. While the company's 10-year median is 5.18 vs. the industry median of 8.59, OnEMI Technology Solutions has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 8.59, based on 282 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OnEMI Technology Solutions's current Debt-to-EBITDA of 5.18 is 39.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on OnEMI Technology Solutions. For the Credit Services industry, the median Debt-to-EBITDA is 8.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OnEMI Technology Solutions's current Debt-to-EBITDA is 5.18, which is near median its own 10-year median of 5.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OnEMI Technology Solutions stock overvalued right now?
OnEMI Technology Solutions (NSE:KISSHT) has a current Debt-to-EBITDA of 5.18. The current Debt-to-EBITDA is 5.18, which is near median its 10-year median of 5.18 and 39.7% below the Credit Services industry median of 8.59. OnEMI Technology Solutions' overall GF Score™ is 17/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For OnEMI Technology Solutions (NSE:KISSHT), the current Debt-to-EBITDA is 5.18 as of Mar. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
OnEMI Technology Solutions Ltd operates a digital lending platform in India, providing financing solutions to consumers. Its offerings include personal loans and secured loans such as loan against property (LAP). It uses data analytics, alternative credit assessment methods, and technology infrastructure to support its lending operations. The majority of the company's revenue is derived from Interest on loans and Sourcing and servicing fees.
17GF Score
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