OnEMI IPO: Paisa Raise Karne Nikle, Par Revenue Aur Profit Ka Game Bigda!

IPO
Whalesbook Logo
AuthorVihaan Mehta|Published at:
OnEMI IPO: Paisa Raise Karne Nikle, Par Revenue Aur Profit Ka Game Bigda!
Overview

Digital lending platform OnEMI, jo Kissht app chalaati hai, next week apna IPO launch kar rahi hai ₹1,000 crore raise karne ke liye. Per situation thodi tricky hai kyunki FY25 mein company ka revenue **20%** aur profit **18.5%** gir gaya. Indian fintech market bhi aajkal profits dekh kar hi invest kar raha hai, sirf growth nahi.

Instant Stock Alerts on WhatsApp

Used by 10,000+ active investors

1

Add Stocks

Select the stocks you want to track in real time.

2

Get Alerts on WhatsApp

Receive instant updates directly to WhatsApp.

  • ✓Quarterly Results
  • ✓Concall Announcements
  • ✓New Orders & Big Deals
  • ✓Capex Announcements
  • ✓Bulk Deals
  • ✦And much more
Add StocksGet it on Google PlayDownload on the App Store

OnEMI Ka IPO: Kya Hai Plan?

Okay, toh OnEMI Technology Solutions, matlab apna Kissht app wala, next week IPO laane wala hai. Goal hai ₹1,000 crore collect karna. Isme se ₹750 crore toh company ke NBFC arm, Si Creva Capital Services, ko lending ke liye milenge. Baaki ₹250 crore general company needs ke liye use honge. Matlab, lending business ko aur power denge.

Company ke paas filhaal 53.23 million registered users hain aur 1.9 million active borrowers hain. Unke AUM (Assets Under Management) bhi ₹4,086.6 crore tak pahunch gaye hain. Toh user base toh accha lag raha hai!

Financial Numbers Mein Girawat?

Magar, yahan par ek twist hai. FY25 mein company ki performance thodi down rahi. Total income ₹1,352.7 crore par aa gayi, jo pichhle saal ₹1,700.3 crore thi. Matlab 20% ka drop. Profit after tax bhi 18.5% gir kar ₹160.6 crore ho gaya, jo FY24 mein ₹197 crore tha. Company keh rahi hai ki competitive pricing, loan terms mein change (jisse income recognition delay ho gaya) aur fees kam hone ke karan aisa hua.

Chalo ek acchi baat yeh hai ki balance sheet strong hui hai. Total assets ₹2,701 crore aur net worth ₹1,006 crore ho gaya FY25 end tak. Lekin borrowings bhi ₹1,507.6 crore hain, toh yeh thoda dekhne wala point hai.

Indian Fintech Market Ka Mood Kaisa Hai?

Dekho, Indian fintech sector ab change ho raha hai. Ab sirf tezi se growth dikhane ka zamana gaya. Ab players ko strong business models aur actual profits dikhane padenge. Reserve Bank of India (RBI) ne bhi regulations tight ki hain, jisse borrower protection aur accountability badhi hai. Investor ka focus ab unsecured lending se hata kar secured models par ja raha hai, kyunki naye rules aur collection mein difficulties aa rahi hain.

IPO Market Aur OnEMI Ko Chinta Kyu?

Yeh sab factors OnEMI ke IPO ke liye challenges create kar rahe hain. FY25 mein revenue aur profit ka girna investors ke liye red flag ho sakta hai, chahe AUM badh raha ho. Agar loan terms lambe ho rahe hain, toh short-term profits par pressure aa sakta hai. Upar se, IPO market abhi bohot cautious hai. Aye Finance jaise competitors ke IPO ke baad stock girne se bhi confidence kam hua hai. Toh OnEMI ko apna valuation justify karne ke liye strong arguments dene honge.

Get stock alerts instantly on WhatsApp

Quarterly results, bulk deals, concall updates and major announcements delivered in real time.

Add Stocks
Disclaimer:This content is for educational and informational purposes only and does not constitute investment, financial, or trading advice, nor a recommendation to buy or sell any securities. Readers should consult a SEBI-registered advisor before making investment decisions, as markets involve risk and past performance does not guarantee future results. The publisher and authors accept no liability for any losses. Some content may be AI-generated and may contain errors; accuracy and completeness are not guaranteed. Views expressed do not reflect the publication’s editorial stance.