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OnEMI Technology SolutionsNSE:KISSHT -3.27%18 PB Ratio is 5.23 as of Jul. 18, 2026, which is 14% above its 10-year median of 4.59. GuruFocus rates NSE:KISSHT with a GF Score™ of 18/100. The stock has 8 warning signs investors should review. Among 525 Credit Services companies, OnEMI Technology Solutions ranks worse than 93.33% on this metric.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
OnEMI Technology Solutions PB Ratio Related Terms
OnEMI Technology Solutions PB Ratio 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 PB Ratio Chart
OnEMI Technology Solutions Annual Data
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OnEMI Technology Solutions Semi-Annual Data
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NSE:KISSHT vs V, MA, AXP: PB Ratio Comparison
For the Credit Services subindustry, OnEMI Technology Solutions's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OnEMI Technology Solutions's PB Ratio distribution charts can be found below:
* The bar in red indicates where OnEMI Technology Solutions's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
OnEMI Technology Solutions (NSE:KISSHT) has a PB Ratio of 5.23 as of Jul. 18, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on OnEMI Technology Solutions and its competitors. This is 14% above median its historical median of 4.59. Over the past decade, OnEMI Technology Solutions' PB Ratio has ranged from 3.30 to 5.46. According to the industry distribution chart, OnEMI Technology Solutions ranks #490 out of 525 companies in the Credit Services industry, placing it in the top 93.3%.
Is OnEMI Technology Solutions' PB Ratio too high?
OnEMI Technology Solutions' current PB Ratio of 5.23 is 14% above median its 10-year median of 4.59. Over the past 10 years, this metric has ranged from a low of 3.30 to a high of 5.46. The Credit Services industry median PB Ratio is 1.06. OnEMI Technology Solutions' value of 5.23 is 393.4% above this industry median. Based on the distribution chart, OnEMI Technology Solutions ranks #490 out of 525 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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' PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, OnEMI Technology Solutions ranks #490 out of 525 companies for PB Ratio. This places OnEMI Technology Solutions in the lower half of its industry. The industry median PB Ratio is 1.06. OnEMI Technology Solutions' value of 5.23 is 393.4% above this benchmark. Historically, OnEMI Technology Solutions' own PB Ratio has ranged from 3.30 to 5.46 over the past decade. While the company's 10-year median is 4.59 vs. the industry median of 1.06, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OnEMI Technology Solutions's current PB Ratio of 5.23 is 393.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on OnEMI Technology Solutions and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OnEMI Technology Solutions's current PB Ratio is 5.23, which is 14% above median its own 10-year median of 4.59. 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 PB Ratio of 5.23. The current PB Ratio is 5.23, which is 14% above median its 10-year median of 4.59 and 393.4% above the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For OnEMI Technology Solutions (NSE:KISSHT), the current PB Ratio is 5.23 as of Jul. 18, 2026. 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.
18GF Score
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