Nucleus Software Exports Ltd

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

Nucleus Software Exports Ltd

₹ 718 -0.32%
05 Jun - close price
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 ₹ 1,890 Cr.
  • Current Price ₹ 718
  • High / Low ₹ 1,268 / 712
  • Stock P/E 14.2
  • Book Value ₹ 345
  • Dividend Yield 1.74 %
  • ROCE 20.0 %
  • ROE 15.5 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Company has been maintaining a healthy dividend payout of 22.0%

Cons

  • The company has delivered a poor sales growth of 11.3% over past five years.
  • Working capital days have increased from -1.31 days to 76.6 days

* 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

Part of BSE Information Technology BSE 1000

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
206 207 205 204 210 195 202 206 229 218 214 220 225
123 144 153 156 152 166 170 172 154 184 190 187 190
Operating Profit 83 63 52 48 58 29 32 33 74 34 23 33 35
OPM % 40% 30% 25% 23% 28% 15% 16% 16% 33% 16% 11% 15% 16%
10 13 12 12 14 15 19 16 17 18 16 -4 12
Interest 0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 4 4 4 4 4 4 4 4 3 3 4 4 5
Profit before tax 89 72 60 56 68 40 47 45 88 48 35 25 42
Tax % 24% 25% 26% 26% 24% 24% 29% 22% 26% 27% 26% 16% 17%
68 54 45 41 52 30 33 35 65 35 26 21 35
EPS in Rs 25.27 20.01 16.65 15.43 19.47 11.28 12.56 13.28 24.60 13.37 9.99 7.86 13.12
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
353 349 372 412 484 521 514 497 634 826 832 876
287 318 319 353 405 427 384 460 478 606 664 750
Operating Profit 66 31 54 59 79 94 129 37 157 220 168 126
OPM % 19% 9% 14% 14% 16% 18% 25% 7% 25% 27% 20% 14%
33 26 32 29 27 37 39 35 34 51 66 42
Interest 1 1 1 1 1 1 1 1 1 1 1 1
Depreciation 12 12 11 7 10 14 14 15 19 15 15 16
Profit before tax 87 44 74 80 96 117 154 56 171 256 219 150
Tax % 25% 26% 11% 22% 23% 24% 23% 26% 25% 25% 26% 22%
65 32 66 63 75 89 118 41 128 192 163 117
EPS in Rs 19.98 10.03 20.43 21.54 25.67 30.64 40.62 15.28 47.73 71.56 61.92 44.35
Dividend Payout % 25% 50% 24% 37% 35% 29% 22% 46% 21% 17% 20% 28%
Compounded Sales Growth
10 Years: 10%
5 Years: 11%
3 Years: 11%
TTM: 5%
Compounded Profit Growth
10 Years: 15%
5 Years: 5%
3 Years: 6%
TTM: 0%
Stock Price CAGR
10 Years: 13%
5 Years: 5%
3 Years: -15%
1 Year: -42%
Return on Equity
10 Years: 16%
5 Years: 16%
3 Years: 18%
Last Year: 15%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 32 32 32 29 29 29 29 27 27 27 26 26
Reserves 406 425 503 432 480 532 643 467 584 751 788 881
-0 1 -0 -0 -0 6 6 2 6 5 2 9
118 123 131 184 177 196 206 241 257 332 337 350
Total Liabilities 556 581 665 645 685 763 885 737 874 1,114 1,153 1,266
58 54 48 48 47 57 50 59 50 59 61 89
CWIP 1 1 0 -0 0 0 1 0 1 1 0 0
Investments 170 245 441 387 424 475 635 480 525 649 641 644
328 281 176 210 214 231 200 198 298 406 451 533
Total Assets 556 581 665 645 685 763 885 737 874 1,114 1,153 1,266

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
37 33 95 77 56 75 115 58 50 222 151 117
-15 7 -78 61 -28 -28 -126 159 -12 -197 -20 -53
-23 -36 -1 -135 -26 -34 -13 -213 -23 -30 -126 -36
Net Cash Flow -1 4 16 3 2 12 -24 3 15 -5 5 28
Free Cash Flow 28 27 92 70 48 62 112 34 47 194 136 89
CFO/OP 82% 138% 202% 161% 100% 102% 115% 199% 49% 136% 113% 121%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 87 90 60 70 54 63 61 61 100 73 60 50
Inventory Days
Days Payable
Cash Conversion Cycle 87 90 60 70 54 63 61 61 100 73 60 50
Working Capital Days 14 7 -43 -66 -51 -53 -61 -77 -16 -38 -43 77
ROCE % 19% 10% 15% 16% 19% 21% 22% 6% 27% 32% 23% 20%

Insights

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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)
% ・Standalone data

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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
73.26% 73.27% 73.26% 73.26% 73.26% 73.59% 73.59% 73.59% 73.59% 73.59% 73.59% 73.59%
3.99% 3.69% 5.02% 5.65% 5.35% 5.62% 5.32% 4.83% 5.32% 5.18% 4.91% 4.46%
0.34% 0.59% 1.65% 1.90% 2.10% 1.75% 1.79% 1.50% 1.47% 1.49% 1.38% 1.21%
22.40% 22.45% 20.05% 19.18% 19.28% 19.02% 19.29% 20.08% 19.60% 19.75% 20.11% 20.72%
No. of Shareholders 31,74233,31830,41829,90036,28145,59244,40544,68642,54542,19241,15739,648

* 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

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