Nucleus Software Exports Ltd

Nucleus Soft. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Nucleus Software Exports Ltd

₹ 802 1.18%
06 Apr 10:04 a.m.
nucleussoftware.com BSE: 531209 NSE: NUCLEUS
About

Nucleus Software provides lending and transaction banking products to the global financial services industry. As a pioneer in retail and corporate banking software since 1986.

Their software powers the operations of more than 200 Financial Institutions in over 50 countries, supporting retail lending, corporate banking, cash management, mobile and internet banking, automotive finance and other business areas. [1]

Key Points

Business Overview
The company offers Fintech solutions to 200+ banks and financial institutions across 50 countries supporting Retail, Corporate & SME Finance, Islamic Finance, Automotive Finance, Captive Automotive Finance, Cash Management, Mobile & Internet Banking, Transaction Banking, and more. It facilitates 26+ million transactions daily through its globally integrated transaction banking platform. Its lending platform manages US $ 500 Bn of loans in India and US $700+ Bn globally while enabling 500,000+ users to log in daily. [1]

Website BSE NSE
  • Market Cap ₹ 2,110 Cr.
  • Current Price ₹ 802
  • High / Low ₹ 1,378 / 712
  • Stock P/E 13.0
  • Book Value ₹ 312
  • Dividend Yield 1.55 %
  • ROCE 23.1 %
  • ROE 17.3 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Company has been maintaining a healthy dividend payout of 19.6%
  • Debtor days have improved from 79.7 to 61.2 days.

Cons

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
156 192 196 189 188 193 182 185 189 213 201 196 202
109 111 131 141 141 139 152 155 160 141 169 175 173
Operating Profit 47 81 65 49 46 54 30 30 29 72 32 21 29
OPM % 30% 42% 33% 26% 25% 28% 16% 16% 15% 34% 16% 11% 14%
10 10 11 12 12 14 15 23 15 17 24 19 -4
Interest 0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 5 3 3 3 3 4 4 4 3 3 3 4 4
Profit before tax 52 88 73 57 55 64 41 50 40 85 53 37 20
Tax % 26% 24% 25% 27% 26% 24% 24% 26% 24% 26% 25% 24% 15%
39 67 55 42 40 48 31 37 31 63 40 28 17
EPS in Rs 14.40 24.95 20.50 15.73 15.12 18.11 11.64 13.87 11.73 24.01 15.04 10.58 6.62
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
241 279 278 299 337 397 444 454 448 585 766 769 812
195 218 265 264 295 336 367 332 412 428 553 609 659
Operating Profit 46 61 13 36 43 61 77 122 36 157 214 160 153
OPM % 19% 22% 5% 12% 13% 15% 17% 27% 8% 27% 28% 21% 19%
29 29 51 32 42 40 64 37 34 34 49 70 56
Interest 0 0 0 0 0 0 1 1 0 1 1 1 1
Depreciation 7 11 11 10 6 7 11 11 13 17 13 14 14
Profit before tax 68 80 53 57 78 94 129 147 57 173 249 216 194
Tax % 19% 24% 15% 9% 16% 19% 21% 24% 26% 25% 25% 25%
55 61 45 52 66 76 102 112 42 130 186 162 148
EPS in Rs 17.01 18.76 13.79 15.99 22.59 26.04 35.20 38.58 15.72 48.69 69.45 61.45 56.25
Dividend Payout % 35% 27% 36% 31% 35% 35% 26% 23% 45% 21% 18% 20%
Compounded Sales Growth
10 Years: 11%
5 Years: 12%
3 Years: 20%
TTM: 8%
Compounded Profit Growth
10 Years: 9%
5 Years: 6%
3 Years: 69%
TTM: 10%
Stock Price CAGR
10 Years: 15%
5 Years: 8%
3 Years: 5%
1 Year: -2%
Return on Equity
10 Years: 16%
5 Years: 17%
3 Years: 21%
Last Year: 17%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 32 32 32 32 29 29 29 29 27 27 27 26 26
Reserves 323 362 392 458 391 441 513 618 443 561 722 757 795
0 0 0 0 0 0 5 3 1 6 4 2 7
104 118 116 117 172 162 188 200 230 247 319 325 364
Total Liabilities 460 513 540 608 591 632 736 850 700 840 1,072 1,110 1,193
44 41 35 30 31 32 41 32 43 36 45 48 63
CWIP 1 1 1 0 0 0 0 0 0 1 1 0 0
Investments 226 171 253 447 394 433 489 649 494 540 664 656 691
189 300 250 130 167 167 205 169 162 263 363 407 439
Total Assets 460 513 540 608 591 632 736 850 700 840 1,072 1,110 1,193

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
37 42 12 81 68 38 69 106 56 52 212 139
-28 -15 17 -74 73 -17 -9 -126 159 -13 -197 -13
-10 -23 -34 0 -134 -25 -32 -11 -211 -21 -29 -125
Net Cash Flow -1 5 -5 7 8 -5 28 -31 4 18 -15 1
Free Cash Flow 18 35 6 77 61 29 57 103 32 48 184 124
CFO/OP 108% 88% 148% 256% 196% 94% 115% 111% 155% 50% 134% 110%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 48 101 102 65 74 56 66 65 62 103 75 61
Inventory Days
Days Payable
Cash Conversion Cycle 48 101 102 65 74 56 66 65 62 103 75 61
Working Capital Days -14 -1 1 -54 -87 -63 -66 -72 -89 -21 -42 -47
ROCE % 19% 19% 13% 12% 17% 20% 25% 23% 7% 29% 32% 23%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Employee Headcount
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Product Modules Went Live / Implementations
Number
Number of Product Orders Won
Number
Attrition Rate
Percentage
Customer Concentration (Top 5 Clients)
Percentage
R&D Spend as % of Revenue
Percentage
R&D Expenditure (Percentage of Turnover)
%

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
73.27% 73.26% 73.27% 73.26% 73.26% 73.26% 73.59% 73.59% 73.59% 73.59% 73.59% 73.59%
4.20% 3.99% 3.69% 5.02% 5.65% 5.35% 5.62% 5.32% 4.83% 5.32% 5.18% 4.91%
0.33% 0.34% 0.59% 1.65% 1.90% 2.10% 1.75% 1.79% 1.50% 1.47% 1.49% 1.38%
22.20% 22.40% 22.45% 20.05% 19.18% 19.28% 19.02% 19.29% 20.08% 19.60% 19.75% 20.11%
No. of Shareholders 31,60631,74233,31830,41829,90036,28145,59244,40544,68642,54542,19241,157

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

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