Oracle Financial Services Software Ltd

Oracle Fin.Serv. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Oracle Financial Services Software Ltd

₹ 9,328 0.67%
12 Jun - close price
oracle.com/financialservices BSE: 532466 NSE: OFSS
About

Oracle Financial Services Software Ltd provides financial software, custom application development, consulting, IT infrastructure management, and outsourced business processing services to the financial services industry. The company was incorporated in 1989 and is based in Mumbai, India. Oracle Financial Services Software Limited is a subsidiary of Oracle Global (Mauritius) Limited. [1]

Key Points

Business Segments[1]
1) Product Licenses (91% in Q2 FY26 vs 90% in FY22):[2][3] The company provides IT solutions tailored for the financial services industry, featuring over 1,800 ready-to-deploy business and foundational banking APIs. The product suite includes Oracle FLEXCUBE Universal Banking, Oracle Banking Accounts, Oracle Banking Origination, Enterprise Limits and Collateral Management, Virtual Accounts Management, Oracle Banking Treasury Management, Oracle Banking Payments, etc. [4] The segment revenue grew by 23% between FY22 and FY24, driven by a 30% growth in the license and cloud signings from US $105 million in FY22 to US $137 million in FY24. [5] [6] [7]

Website BSE NSE
  • Market Cap ₹ 81,209 Cr.
  • Current Price ₹ 9,328
  • High / Low ₹ 10,584 / 6,232
  • Stock P/E 29.3
  • Book Value ₹ 806
  • Dividend Yield 4.29 %
  • ROCE 49.4 %
  • ROE 38.1 %
  • Face Value ₹ 5.00
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is providing a good dividend yield of 4.29%.
  • Company has a good return on equity (ROE) track record: 3 Years ROE 40.2%
  • Company has been maintaining a healthy dividend payout of 85.3%

Cons

  • Stock is trading at 11.6 times its book value
  • The company has delivered a poor sales growth of 9.42% over past five years.

* 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 500 BSE Information Technology BSE 200 BSE Dollex 200 Nifty 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

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
1,112 1,117 1,080 1,375 1,213 1,295 1,209 1,305 1,290 1,397 1,301 1,453 1,566
540 564 579 589 594 578 606 652 612 661 719 704 643
Operating Profit 573 553 501 786 618 717 602 654 677 736 582 749 924
OPM % 51% 50% 46% 57% 51% 55% 50% 50% 53% 53% 45% 52% 59%
140 76 36 80 47 20 88 34 1,580 71 55 64 490
Interest 1 1 1 1 0 0 0 0 0 1 1 0 0
Depreciation 14 14 15 15 15 15 16 14 14 15 14 14 13
Profit before tax 697 614 522 850 650 721 674 673 2,242 791 622 799 1,400
Tax % 22% 26% 25% 18% 26% 26% 26% 28% 18% 26% 26% 23% 21%
543 455 394 700 479 536 497 482 1,836 587 463 614 1,111
EPS in Rs 62.86 52.61 45.46 80.81 55.29 61.81 57.31 55.53 211.31 67.57 53.21 70.53 127.66
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
3,341 3,528 3,736 3,862 3,581 3,526 3,645 3,896 4,256 4,784 5,099 5,717
2,040 2,223 2,367 2,406 1,683 1,595 1,489 1,705 2,103 2,326 2,449 2,727
Operating Profit 1,301 1,305 1,369 1,456 1,898 1,931 2,156 2,191 2,152 2,458 2,650 2,990
OPM % 39% 37% 37% 38% 53% 55% 59% 56% 51% 51% 52% 52%
376 213 380 89 139 169 116 256 253 240 1,721 680
Interest -0 -0 -0 -0 -0 8 5 3 3 2 1 2
Depreciation 63 50 67 57 50 83 80 68 58 60 60 56
Profit before tax 1,614 1,468 1,683 1,487 1,986 2,009 2,188 2,376 2,343 2,636 4,310 3,611
Tax % 34% 39% 23% 32% 35% 21% 25% 24% 24% 23% 22% 23%
1,058 898 1,288 1,006 1,282 1,583 1,639 1,811 1,773 2,028 3,351 2,775
EPS in Rs 125.04 105.80 151.35 117.77 149.51 184.29 190.48 210.00 205.16 233.97 385.74 318.79
Dividend Payout % 532% 95% 112% 110% -0% 98% 105% 90% 110% 102% 69% 85%
Compounded Sales Growth
10 Years: 5%
5 Years: 9%
3 Years: 10%
TTM: 12%
Compounded Profit Growth
10 Years: 12%
5 Years: 11%
3 Years: 16%
TTM: -17%
Stock Price CAGR
10 Years: 10%
5 Years: 20%
3 Years: 34%
1 Year: -2%
Return on Equity
10 Years: 35%
5 Years: 37%
3 Years: 40%
Last Year: 38%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 42 42 43 43 43 43 43 43 43 43 43 44
Reserves 2,948 3,915 2,633 3,764 3,837 5,465 5,603 5,759 5,962 6,141 7,519 6,971
-0 -0 -0 -0 -0 55 30 52 39 23 33 22
2,813 1,065 2,426 844 565 503 511 587 594 679 733 827
Total Liabilities 5,803 5,022 5,102 4,651 4,445 6,067 6,188 6,441 6,638 6,887 8,328 7,863
297 251 253 221 249 294 232 227 209 176 174 163
CWIP 0 2 1 2 0 0 0 4 0 2 9 15
Investments 728 759 755 778 765 768 773 790 791 791 792 809
4,777 4,010 4,094 3,649 3,431 5,005 5,183 5,421 5,639 5,917 7,353 6,876
Total Assets 5,803 5,022 5,102 4,651 4,445 6,067 6,188 6,441 6,638 6,887 8,328 7,863

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
974 737 705 1,067 1,053 1,485 1,545 1,598 1,506 1,644 1,961 2,129
3,733 1,087 2,184 -1,287 274 -1,523 51 9 167 1,525 -1,020 1,297
-4,690 -1,779 -925 -1,668 -1,267 -33 -1,570 -1,713 -1,651 -1,943 -2,087 -3,441
Net Cash Flow 18 45 1,963 -1,888 60 -72 25 -106 22 1,226 -1,146 -16
Free Cash Flow 963 714 652 1,040 979 1,440 1,530 1,563 1,470 1,615 1,927 2,079
CFO/OP 124% 101% 94% 107% 97% 105% 99% 100% 99% 88% 111% 101%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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 76 83 50 60 50 43 46 52 54 63 62 63
Inventory Days
Days Payable
Cash Conversion Cycle 76 83 50 60 50 43 46 52 54 63 62 63
Working Capital Days -189 15 -145 21 38 33 41 43 49 74 61 63
ROCE % 28% 42% 44% 46% 52% 43% 39% 41% 39% 43% 62% 49%

Insights

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Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Customer Concentration - Largest Customer
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Days Sales Outstanding
Days
Total Employee Count
Number
Remaining Performance Obligation (Order Book)
INR Million
Revenue per Employee
INR Million
Attrition Rate (TTM)
%

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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
72.90% 72.81% 72.78% 72.75% 72.71% 72.69% 72.62% 72.59% 72.56% 72.53% 72.46% 72.44%
7.79% 7.74% 6.89% 6.13% 5.10% 7.73% 8.48% 8.74% 8.55% 8.66% 8.36% 8.04%
8.46% 8.57% 9.48% 10.26% 11.49% 9.91% 9.36% 8.69% 8.50% 8.45% 8.82% 9.12%
0.00% 0.00% 0.00% 0.01% 0.01% 0.00% 0.00% 0.01% 0.00% 0.00% 0.00% 0.00%
10.84% 10.89% 10.85% 10.85% 10.69% 9.67% 9.51% 9.97% 10.39% 10.38% 10.34% 10.38%
No. of Shareholders 1,07,1001,01,79099,7071,10,9131,13,1081,25,9171,20,1221,25,9861,29,2861,38,1421,41,5151,41,643

* 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

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