Nucleus Software Exports Ltd
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]
- Market Cap ₹ 3,062 Cr.
- Current Price ₹ 1,144
- High / Low ₹ 1,628 / 724
- Stock P/E 22.9
- Book Value ₹ 304
- Dividend Yield 1.11 %
- ROCE 22.6 %
- ROE 16.8 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Company has been maintaining a healthy dividend payout of 19.5%
- Debtor days have improved from 78.0 to 60.3 days.
Cons
- Earnings include an other income of Rs.66.3 Cr.
* 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
Information Technology Information Technology IT - Software Software Products
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
346 | 353 | 349 | 372 | 412 | 484 | 521 | 514 | 497 | 634 | 826 | 832 | |
278 | 287 | 318 | 319 | 353 | 405 | 427 | 384 | 460 | 478 | 606 | 664 | |
Operating Profit | 68 | 66 | 31 | 54 | 59 | 79 | 94 | 129 | 37 | 157 | 220 | 168 |
OPM % | 20% | 19% | 9% | 14% | 14% | 16% | 18% | 25% | 7% | 25% | 27% | 20% |
24 | 33 | 26 | 32 | 29 | 27 | 37 | 39 | 35 | 34 | 51 | 66 | |
Interest | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
Depreciation | 8 | 12 | 12 | 11 | 7 | 10 | 14 | 14 | 15 | 19 | 15 | 15 |
Profit before tax | 83 | 87 | 44 | 74 | 80 | 96 | 117 | 154 | 56 | 171 | 256 | 219 |
Tax % | 23% | 25% | 26% | 11% | 22% | 23% | 24% | 23% | 26% | 25% | 25% | 26% |
64 | 65 | 32 | 66 | 63 | 75 | 89 | 118 | 41 | 128 | 192 | 163 | |
EPS in Rs | 19.87 | 19.98 | 10.03 | 20.43 | 21.54 | 25.67 | 30.64 | 40.62 | 15.28 | 47.73 | 71.56 | 60.88 |
Dividend Payout % | 30% | 25% | 50% | 24% | 37% | 35% | 29% | 22% | 46% | 21% | 17% | 20% |
Compounded Sales Growth | |
---|---|
10 Years: | 9% |
5 Years: | 10% |
3 Years: | 19% |
TTM: | 1% |
Compounded Profit Growth | |
---|---|
10 Years: | 9% |
5 Years: | 10% |
3 Years: | 72% |
TTM: | -20% |
Stock Price CAGR | |
---|---|
10 Years: | 13% |
5 Years: | 28% |
3 Years: | 34% |
1 Year: | -34% |
Return on Equity | |
---|---|
10 Years: | 15% |
5 Years: | 17% |
3 Years: | 20% |
Last Year: | 17% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 32 | 32 | 32 | 32 | 29 | 29 | 29 | 29 | 27 | 27 | 27 | 26 |
Reserves | 365 | 406 | 425 | 503 | 432 | 480 | 532 | 643 | 467 | 584 | 751 | 788 |
-0 | -0 | 1 | -0 | -0 | -0 | 6 | 6 | 2 | 6 | 5 | 2 | |
116 | 118 | 123 | 131 | 184 | 177 | 196 | 206 | 241 | 257 | 332 | 337 | |
Total Liabilities | 513 | 556 | 581 | 665 | 645 | 685 | 763 | 885 | 737 | 874 | 1,114 | 1,153 |
61 | 58 | 54 | 48 | 48 | 47 | 57 | 50 | 59 | 50 | 59 | 61 | |
CWIP | 1 | 1 | 1 | 0 | -0 | 0 | 0 | 1 | 0 | 1 | 1 | 0 |
Investments | 224 | 170 | 245 | 441 | 387 | 424 | 475 | 635 | 480 | 525 | 649 | 641 |
228 | 328 | 281 | 176 | 210 | 214 | 231 | 200 | 198 | 298 | 406 | 451 | |
Total Assets | 513 | 556 | 581 | 665 | 645 | 685 | 763 | 885 | 737 | 874 | 1,114 | 1,153 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
66 | 37 | 33 | 95 | 77 | 56 | 75 | 115 | 58 | 50 | 222 | 151 | |
-56 | -15 | 7 | -78 | 61 | -28 | -28 | -126 | 159 | -12 | -197 | -20 | |
-10 | -23 | -36 | -1 | -135 | -26 | -34 | -13 | -213 | -23 | -30 | -126 | |
Net Cash Flow | 0 | -1 | 4 | 16 | 3 | 2 | 12 | -24 | 3 | 15 | -5 | 5 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
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 | 44 | 87 | 90 | 60 | 70 | 54 | 63 | 63 | 61 | 100 | 73 | 60 |
Inventory Days | ||||||||||||
Days Payable | ||||||||||||
Cash Conversion Cycle | 44 | 87 | 90 | 60 | 70 | 54 | 63 | 63 | 61 | 100 | 73 | 60 |
Working Capital Days | -5 | 14 | 7 | -43 | -66 | -51 | -53 | -61 | -77 | -16 | -38 | -43 |
ROCE % | 21% | 19% | 10% | 15% | 16% | 19% | 21% | 22% | 6% | 27% | 32% | 23% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
1d - Nucleus Software partners with HNB to implement FinnAxia®, boosting transaction banking and client onboarding.
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Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
1d - 36th AGM held; all resolutions including Rs 12.50 dividend approved; directors re-appointed.
- Shareholder Meeting / Postal Ballot-Outcome of AGM 2d
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
24 Jul - The Investor/Analyst Earning Conference Call of the Company would be held on Friday, August 01, 2025 for the period ended June 30, 2025.
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Rumour verification - Regulation 30(11)
24 Jul - Company denies false rumor about June 2025 quarter results release, urges reliance on official sources.
Annual reports
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Financial Year 2025
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Financial Year 2022
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Concalls
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May 2025TranscriptPPTREC
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May 2022TranscriptPPT
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Feb 2018TranscriptPPT
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]