Nucleus Software Exports Ltd

₹ 393 -0.72%
03 Oct - close price
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

Leading Software developer[1] Nucleus Software Exports Limited is an Indian IT company in the Banking and Financial Services sector. It offers IT and consultancy services to companies in the banking industry and processes 3,00,000 daily userlogs, 200$ B value of loans and 26 Million transaction per day.

  • Market Cap 1,055 Cr.
  • Current Price 393
  • High / Low 613 / 351
  • Stock P/E 23.1
  • Book Value 184
  • Dividend Yield 1.78 %
  • ROCE 6.20 %
  • ROE 4.50 %
  • Face Value 10.0

Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Company has been maintaining a healthy dividend payout of 32.4%

Cons

  • The company has delivered a poor sales growth of 5.95% over past five years.
  • Company has a low return on equity of 12.3% over last 3 years.
  • Earnings include an other income of Rs.30.1 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.

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022
124 128 130 138 128 137 124 124 108 114 122 153 129
106 107 107 107 91 103 97 92 107 109 116 128 114
Operating Profit 18 21 24 31 37 34 27 32 2 5 6 25 15
OPM % 15% 16% 18% 23% 29% 25% 21% 26% 2% 4% 5% 16% 11%
7 11 9 10 13 9 10 7 11 10 8 6 6
Interest 0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 3 3 4 3 4 4 3 3 3 3 4 5 5
Profit before tax 21 29 29 38 46 39 33 36 9 11 9 26 16
Tax % 23% 27% 19% 26% 22% 24% 25% 23% 34% 22% 15% 30% 31%
Net Profit 17 21 23 28 36 29 25 27 6 9 8 18 11
EPS in Rs 5.71 7.26 7.99 9.69 12.51 10.14 8.55 9.42 2.07 2.95 2.77 6.83 4.02
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
270 282 294 346 353 349 372 412 484 521 514 497 518
242 246 247 278 287 318 319 353 405 427 384 460 468
Operating Profit 28 36 46 68 66 31 54 59 79 94 129 37 50
OPM % 10% 13% 16% 20% 19% 9% 14% 14% 16% 18% 25% 7% 10%
9 20 20 24 33 26 32 29 27 37 39 35 30
Interest 0 0 0 1 1 1 1 1 1 1 1 1 1
Depreciation 9 7 6 8 12 12 11 7 10 14 14 15 17
Profit before tax 27 48 60 83 87 44 74 80 96 117 154 56 62
Tax % 3% 27% 25% 23% 25% 26% 11% 22% 23% 24% 23% 26%
Net Profit 26 35 45 64 65 32 66 63 75 89 118 41 46
EPS in Rs 8.13 10.91 13.95 19.87 19.98 10.03 20.43 21.54 25.67 30.64 40.62 15.28 16.57
Dividend Payout % 31% 23% 22% 30% 25% 50% 24% 37% 35% 29% 22% 46%
Compounded Sales Growth
10 Years: 6%
5 Years: 6%
3 Years: 1%
TTM: 5%
Compounded Profit Growth
10 Years: -3%
5 Years: -17%
3 Years: -28%
TTM: -48%
Stock Price CAGR
10 Years: 16%
5 Years: 5%
3 Years: 7%
1 Year: -32%
Return on Equity
10 Years: 13%
5 Years: 13%
3 Years: 12%
Last Year: 5%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
32 32 32 32 32 32 32 29 29 29 29 27
Reserves 256 282 318 365 406 425 503 432 480 532 643 467
0 0 0 0 0 1 0 0 0 6 6 2
76 97 109 116 118 123 131 184 177 196 206 241
Total Liabilities 364 411 459 513 556 581 665 645 685 763 885 737
47 49 51 61 58 54 48 48 47 57 50 59
CWIP 3 0 0 1 1 1 0 0 0 0 1 0
Investments 126 104 155 224 170 245 441 387 424 475 635 480
189 258 253 228 328 281 176 210 214 231 200 198
Total Assets 364 411 459 513 556 581 665 645 685 763 885 737

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
32 13 74 66 37 33 95 77 56 75 115 58
-27 -4 -66 -56 -15 7 -78 61 -28 -28 -126 159
-10 -9 -9 -10 -23 -36 -1 -135 -26 -34 -13 -213
Net Cash Flow -5 0 -1 0 -1 4 16 3 2 12 -24 3

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Debtor Days 63 114 87 44 87 90 60 70 54 63 63 61
Inventory Days
Days Payable
Cash Conversion Cycle 63 114 87 44 87 90 60 70 54 63 63 61
Working Capital Days 42 69 19 -5 14 9 -43 -66 -51 -51 -58 -75
ROCE % 10% 16% 18% 21% 19% 10% 15% 16% 19% 21% 22% 6%

Shareholding Pattern

Numbers in percentages

Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022
67.59 67.59 67.59 67.59 67.59 67.59 67.59 67.59 67.59 67.59 73.28 73.28
7.57 7.26 6.82 6.35 7.14 7.01 6.95 7.12 5.03 3.74 2.85 2.87
1.89 1.90 2.05 1.77 0.55 0.55 0.76 0.42 0.00 0.00 0.00 0.00
22.95 23.25 23.55 24.30 24.72 24.85 24.71 24.88 27.38 28.67 23.88 23.85

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