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OnEMI Technology SolutionsNSE:KISSHT -3.27%18 Return-on-Tangible-Equity is 17.82% as of Mar. 2025, which is at its 10-year median of 17.82. 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 better than 81.9% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. OnEMI Technology Solutions's annualized net income for the quarter that ended in Mar. 2025 was ₹1,606 Mil. OnEMI Technology Solutions's average shareholder tangible equity for the quarter that ended in Mar. 2025 was ₹9,014 Mil. Therefore, OnEMI Technology Solutions's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2025 was 17.82%.
The historical rank and industry rank for OnEMI Technology Solutions's Return-on-Tangible-Equity or its related term are showing as below:
NSE:KISSHT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.93 Med: 17.82 Max: 28.92
Current: 17.82
During the past 3 years, OnEMI Technology Solutions's highest Return-on-Tangible-Equity was 28.92%. The lowest was 4.93%. And the median was 17.82%.
NSE:KISSHT's Return-on-Tangible-Equity is ranked better than 81.9% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs NSE:KISSHT: 17.82
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
OnEMI Technology Solutions Return-on-Tangible-Equity Related Terms
OnEMI Technology Solutions Return-on-Tangible-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.
NSE:KISSHT vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, OnEMI Technology Solutions's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OnEMI Technology Solutions's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where OnEMI Technology Solutions's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Mar. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 17.82% mean?
OnEMI Technology Solutions (NSE:KISSHT) has a Return-on-Tangible-Equity of 17.82% as of Mar. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on OnEMI Technology Solutions and its competitors. This is near median its historical median of 17.82. Over the past decade, OnEMI Technology Solutions' Return-on-Tangible-Equity has ranged from 4.93 to 28.92. According to the industry distribution chart, OnEMI Technology Solutions ranks #95 out of 525 companies in the Credit Services industry, placing it in the top 18.1%.
Is OnEMI Technology Solutions' Return-on-Tangible-Equity too high?
OnEMI Technology Solutions' current Return-on-Tangible-Equity of 17.82% is near median its 10-year median of 17.82. Over the past 10 years, this metric has ranged from a low of 4.93 to a high of 28.92. The Credit Services industry median Return-on-Tangible-Equity is 7.01. OnEMI Technology Solutions' value of 17.82% is 154.2% above this industry median. Based on the distribution chart, OnEMI Technology Solutions ranks #95 out of 525 companies in the Credit Services industry, which is in the top quartile — a strong position 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' Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, OnEMI Technology Solutions ranks #95 out of 525 companies for Return-on-Tangible-Equity. This places OnEMI Technology Solutions in the top 18% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.01. OnEMI Technology Solutions' value of 17.82% is 154.2% above this benchmark. Historically, OnEMI Technology Solutions' own Return-on-Tangible-Equity has ranged from 4.93 to 28.92 over the past decade. While the company's 10-year median is 17.82 vs. the industry median of 7.01, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OnEMI Technology Solutions's current Return-on-Tangible-Equity of 17.82% is 154.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on OnEMI Technology Solutions and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OnEMI Technology Solutions's current Return-on-Tangible-Equity is 17.82%, which is near median its own 10-year median of 17.82. 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 Return-on-Tangible-Equity of 17.82%. The current Return-on-Tangible-Equity is 17.82%, which is near median its 10-year median of 17.82 and 154.2% above the Credit Services industry median of 7.01. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For OnEMI Technology Solutions (NSE:KISSHT), the current Return-on-Tangible-Equity is 17.82% 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.
18GF Score
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