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OnEMI Technology SolutionsNSE:KISSHT -3.27%18 Interest Coverage is 11.90 as of Mar. 2025, which is 17% below its 10-year median of 14.32. GuruFocus rates NSE:KISSHT with a GF Score™ of 18/100. The stock has 8 warning signs investors should review. Among 164 Credit Services companies, OnEMI Technology Solutions ranks worse than 64.02% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. OnEMI Technology Solutions's
Operating Income
for the
six
months ended in Mar. 2025 was ₹7,350 Mil. OnEMI Technology Solutions's Interest Expense for the
six
months ended in Mar. 2025 was ₹-618 Mil.
OnEMI Technology Solutions's interest coverage for the quarter that ended in Mar. 2025 was 11.90.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for OnEMI Technology Solutions's Interest Coverage or its related term are showing as below:
NSE:KISSHT'
s Interest Coverage Range Over the Past 10 Years
Min: 11.9 Med: 14.32 Max: 24.42
Current: 11.9
NSE:KISSHT's Interest Coverage is ranked worse than 64.02% of 164
companies
in the Credit Services industry
Industry Median: 49.41
vs NSE:KISSHT: 11.90
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
OnEMI Technology Solutions Interest Coverage Related Terms
OnEMI Technology Solutions Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
NSE:KISSHT vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, OnEMI Technology Solutions's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OnEMI Technology Solutions's Interest Coverage distribution charts can be found below:
* The bar in red indicates where OnEMI Technology Solutions's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 11.90 as of Mar. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on OnEMI Technology Solutions and its competitors. This is 17% below median its historical median of 14.32. Over the past decade, OnEMI Technology Solutions' Interest Coverage has ranged from 11.90 to 24.42. According to the industry distribution chart, OnEMI Technology Solutions ranks #105 out of 164 companies in the Credit Services industry, placing it in the top 64%.
Is OnEMI Technology Solutions' Interest Coverage too high?
OnEMI Technology Solutions' current Interest Coverage of 11.90 is 17% below median its 10-year median of 14.32. Over the past 10 years, this metric has ranged from a low of 11.90 to a high of 24.42. The Credit Services industry median Interest Coverage is 49.41. OnEMI Technology Solutions' value of 11.90 is 75.9% below this industry median. Based on the distribution chart, OnEMI Technology Solutions ranks #105 out of 164 companies in the Credit Services industry, which is below the industry midpoint. Overall, OnEMI Technology Solutions has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does OnEMI Technology Solutions' Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, OnEMI Technology Solutions ranks #105 out of 164 companies for Interest Coverage. This places OnEMI Technology Solutions in the lower half of its industry. The industry median Interest Coverage is 49.41. OnEMI Technology Solutions' value of 11.90 is 75.9% below this benchmark. Historically, OnEMI Technology Solutions' own Interest Coverage has ranged from 11.90 to 24.42 over the past decade. While the company's 10-year median is 14.32 vs. the industry median of 49.41, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 49.41, based on 164 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OnEMI Technology Solutions's current Interest Coverage of 11.90 is 75.9% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on OnEMI Technology Solutions and its competitors. For the Credit Services industry, the median Interest Coverage is 49.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OnEMI Technology Solutions's current Interest Coverage is 11.90, which is 17% below median its own 10-year median of 14.32. 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 Interest Coverage of 11.90. The current Interest Coverage is 11.90, which is 17% below median its 10-year median of 14.32 and 75.9% below the Credit Services industry median of 49.41. OnEMI Technology Solutions' overall GF Score™ is 18/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For OnEMI Technology Solutions (NSE:KISSHT), the current Interest Coverage is 11.90 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.
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