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OnEMI Technology SolutionsNSE:KISSHT -3.27%18 ROE % is 17.74% as of Mar. 2025, which is at its 10-year median of 17.74. GuruFocus rates NSE:KISSHT with a GF Score™ of 18/100. The stock has 8 warning signs investors should review. Among 529 Credit Services companies, OnEMI Technology Solutions ranks better than 84.12% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Mar. 2025) net income data. The Revenue data used here is one times the annual (Mar. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE % Chart
OnEMI Technology Solutions Annual Data
Trend
Mar23
Mar24
Mar25
ROE %
4.89
28.78
17.74
OnEMI Technology Solutions Semi-Annual Data
Mar23
Mar24
Mar25
ROE %
4.89
28.78
17.74
NSE:KISSHT vs V, MA, AXP: ROE % Comparison
For the Credit Services subindustry, OnEMI Technology Solutions's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OnEMI Technology Solutions's ROE % distribution charts can be found below:
* The bar in red indicates where OnEMI Technology Solutions's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
OnEMI Technology Solutions (NSE:KISSHT) has a ROE % of 17.74% as of Mar. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on OnEMI Technology Solutions and its competitors. This is near median its historical median of 17.74. Over the past decade, OnEMI Technology Solutions' ROE % has ranged from 4.89 to 28.78. According to the industry distribution chart, OnEMI Technology Solutions ranks #84 out of 529 companies in the Credit Services industry, placing it in the top 15.9%.
Is OnEMI Technology Solutions' ROE % too high?
OnEMI Technology Solutions' current ROE % of 17.74% is near median its 10-year median of 17.74. Over the past 10 years, this metric has ranged from a low of 4.89 to a high of 28.78. The Credit Services industry median ROE % is 6.61. OnEMI Technology Solutions' value of 17.74% is 168.4% above this industry median. Based on the distribution chart, OnEMI Technology Solutions ranks #84 out of 529 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' ROE % compare to V and MA?
According to the Credit Services industry distribution chart, OnEMI Technology Solutions ranks #84 out of 529 companies for ROE %. This places OnEMI Technology Solutions in the top 16% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. OnEMI Technology Solutions' value of 17.74% is 168.4% above this benchmark. Historically, OnEMI Technology Solutions' own ROE % has ranged from 4.89 to 28.78 over the past decade. While the company's 10-year median is 17.74 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OnEMI Technology Solutions's current ROE % of 17.74% is 168.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on OnEMI Technology Solutions and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OnEMI Technology Solutions's current ROE % is 17.74%, which is near median its own 10-year median of 17.74. 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 ROE % of 17.74%. The current ROE % is 17.74%, which is near median its 10-year median of 17.74 and 168.4% above the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For OnEMI Technology Solutions (NSE:KISSHT), the current ROE % is 17.74% 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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