Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
OnEMI Technology SolutionsNSE:KISSHT +1.72%17 Debt-to-Equity is 1.55 as of Mar. 2025, which is 49% above its 10-year median of 1.04. GuruFocus rates NSE:KISSHT with a GF Score™ of 17/100. The stock has 8 warning signs investors should review. Among 451 Credit Services companies, OnEMI Technology Solutions ranks worse than 56.76% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for OnEMI Technology Solutions's Debt-to-Equity or its related term are showing as below:
NSE:KISSHT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.78 Med: 1.04 Max: 1.55
Current: 1.55
During the past 3 years, the highest Debt-to-Equity Ratio of OnEMI Technology Solutions was 1.55. The lowest was 0.78. And the median was 1.04.
NSE:KISSHT's Debt-to-Equity is ranked worse than 56.76% of 451
companies
in the Credit Services industry
Industry Median: 1.24
vs NSE:KISSHT: 1.55
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
OnEMI Technology Solutions Debt-to-Equity Related Terms
OnEMI Technology Solutions Debt-to-Equity 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-Equity Chart
OnEMI Technology Solutions Annual Data
Trend
Mar23
Mar24
Mar25
Debt-to-Equity
0.78
1.04
1.55
OnEMI Technology Solutions Semi-Annual Data
Mar23
Mar24
Mar25
Debt-to-Equity
0.78
1.04
1.55
NSE:KISSHT vs V, MA, AXP: Debt-to-Equity Comparison
For the Credit Services subindustry, OnEMI Technology Solutions's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OnEMI Technology Solutions's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where OnEMI Technology Solutions's Debt-to-Equity 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.
OnEMI Technology Solutions (NSE:KISSHT) has a Debt-to-Equity of 1.55 as of Mar. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on OnEMI Technology Solutions and its competitors. This is 49% above median its historical median of 1.04. Over the past decade, OnEMI Technology Solutions' Debt-to-Equity has ranged from 0.78 to 1.55. According to the industry distribution chart, OnEMI Technology Solutions ranks #256 out of 451 companies in the Credit Services industry, placing it in the top 56.8%.
Is OnEMI Technology Solutions' Debt-to-Equity too high?
OnEMI Technology Solutions' current Debt-to-Equity of 1.55 is 49% above median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 1.55. The Credit Services industry median Debt-to-Equity is 1.24. OnEMI Technology Solutions' value of 1.55 is 25% above this industry median. Based on the distribution chart, OnEMI Technology Solutions ranks #256 out of 451 companies in the Credit Services industry, which is below 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-Equity compare to V and MA?
According to the Credit Services industry distribution chart, OnEMI Technology Solutions ranks #256 out of 451 companies for Debt-to-Equity. This places OnEMI Technology Solutions in the lower half of its industry. The industry median Debt-to-Equity is 1.24. OnEMI Technology Solutions' value of 1.55 is 25% above this benchmark. Historically, OnEMI Technology Solutions' own Debt-to-Equity has ranged from 0.78 to 1.55 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 1.24, OnEMI Technology Solutions has consistently been above 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-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 451 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OnEMI Technology Solutions's current Debt-to-Equity of 1.55 is 25% above 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on OnEMI Technology Solutions and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OnEMI Technology Solutions's current Debt-to-Equity is 1.55, which is 49% above median its own 10-year median of 1.04. 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-Equity of 1.55. The current Debt-to-Equity is 1.55, which is 49% above median its 10-year median of 1.04 and 25% above the Credit Services industry median of 1.24. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For OnEMI Technology Solutions (NSE:KISSHT), the current Debt-to-Equity is 1.55 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
Get the complete analysis for NSE:KISSHT
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:KISSHT has been successfully added to your 
