Oracle Financial Services Software Ltd
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]
- Market Cap ₹ 75,768 Cr.
- Current Price ₹ 8,722
- High / Low ₹ 13,220 / 7,023
- Stock P/E 31.8
- Book Value ₹ 963
- Dividend Yield 3.04 %
- ROCE 40.6 %
- ROE 29.3 %
- Face Value ₹ 5.00
Pros
- Company is almost debt free.
- Stock is providing a good dividend yield of 3.04%.
- Company has a good return on equity (ROE) track record: 3 Years ROE 27.8%
- Company has been maintaining a healthy dividend payout of 99.3%
Cons
- Stock is trading at 9.06 times its book value
- The company has delivered a poor sales growth of 7.09% 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
Sector: IT - Software Industry: Computers - Software - Medium / Small
Part of BSE 500 BSE Information Technology BSE 200 BSE Dollex 200 Nifty 500
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3,741 | 3,905 | 4,131 | 4,427 | 4,527 | 4,959 | 4,861 | 4,984 | 5,221 | 5,698 | 6,373 | 6,847 | |
| 2,342 | 2,354 | 2,520 | 2,693 | 2,716 | 2,814 | 2,633 | 2,515 | 2,723 | 3,227 | 3,590 | 3,770 | |
| Operating Profit | 1,399 | 1,551 | 1,612 | 1,734 | 1,811 | 2,145 | 2,229 | 2,469 | 2,499 | 2,471 | 2,783 | 3,076 |
| OPM % | 37% | 40% | 39% | 39% | 40% | 43% | 46% | 50% | 48% | 43% | 44% | 45% |
| 674 | 348 | 189 | 93 | 91 | 176 | 177 | 132 | 134 | 192 | 342 | 304 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 47 | 19 | 12 | 13 | 28 | 0 |
| Depreciation | 72 | 68 | 53 | 70 | 61 | 54 | 106 | 104 | 93 | 81 | 74 | 69 |
| Profit before tax | 2,001 | 1,831 | 1,748 | 1,757 | 1,840 | 2,267 | 2,252 | 2,477 | 2,528 | 2,570 | 3,022 | 3,311 |
| Tax % | 32% | 35% | 40% | 33% | 33% | 39% | 35% | 29% | 25% | 30% | 27% | 28% |
| 1,359 | 1,192 | 1,049 | 1,185 | 1,237 | 1,386 | 1,462 | 1,762 | 1,889 | 1,806 | 2,219 | 2,380 | |
| EPS in Rs | 161.55 | 140.91 | 123.61 | 139.28 | 144.82 | 161.57 | 170.26 | 204.72 | 219.00 | 209.05 | 256.07 | 273.95 |
| Dividend Payout % | 0% | 472% | 81% | 122% | 90% | 0% | 106% | 98% | 87% | 108% | 94% | 97% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 6% |
| 5 Years: | 7% |
| 3 Years: | 9% |
| TTM: | 7% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 7% |
| 5 Years: | 10% |
| 3 Years: | 8% |
| TTM: | 7% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 30% |
| 3 Years: | 36% |
| 1 Year: | 15% |
| Return on Equity | |
|---|---|
| 10 Years: | 28% |
| 5 Years: | 27% |
| 3 Years: | 28% |
| Last Year: | 29% |
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 | 42 | 42 | 42 | 42 | 43 | 43 | 43 | 43 | 43 | 43 | 43 | 43 |
| Reserves | 8,735 | 3,402 | 4,632 | 3,222 | 4,665 | 4,894 | 6,527 | 6,806 | 7,057 | 7,416 | 7,816 | 8,319 |
| 0 | 0 | 0 | 0 | 0 | 0 | 115 | 70 | 83 | 69 | 43 | 46 | |
| 941 | 2,825 | 1,011 | 2,756 | 1,225 | 1,192 | 1,236 | 1,234 | 1,409 | 1,590 | 1,848 | 1,727 | |
| Total Liabilities | 9,718 | 6,269 | 5,685 | 6,020 | 5,933 | 6,128 | 7,920 | 8,153 | 8,592 | 9,119 | 9,749 | 10,135 |
| 954 | 911 | 865 | 870 | 837 | 864 | 963 | 884 | 871 | 847 | 805 | 796 | |
| CWIP | 13 | 0 | 5 | 1 | 3 | 0 | 0 | 0 | 4 | 1 | 3 | 9 |
| Investments | 0 | 0 | 10 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 8,752 | 5,357 | 4,805 | 5,150 | 5,093 | 5,264 | 6,957 | 7,268 | 7,717 | 8,271 | 8,942 | 9,330 | |
| Total Assets | 9,718 | 6,269 | 5,685 | 6,020 | 5,933 | 6,128 | 7,920 | 8,153 | 8,592 | 9,119 | 9,749 | 10,135 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 673 | 1,060 | 712 | 1,121 | 1,157 | 1,380 | 1,522 | 1,920 | 1,856 | 1,758 | 1,791 | 2,199 | |
| -672 | 3,701 | 1,018 | 1,823 | -1,313 | 220 | -1,299 | 34 | -138 | 267 | 1,611 | -2,453 | |
| 14 | -4,690 | -1,776 | -931 | -1,630 | -1,250 | -47 | -1,590 | -1,733 | -1,665 | -1,958 | -2,096 | |
| Net Cash Flow | 15 | 72 | -45 | 2,013 | -1,785 | 350 | 175 | 363 | -15 | 360 | 1,443 | -2,350 |
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 | 66 | 56 | 73 | 59 | 81 | 70 | 69 | 59 | 65 | 69 | 76 | 63 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 66 | 56 | 73 | 59 | 81 | 70 | 69 | 59 | 65 | 69 | 76 | 63 |
| Working Capital Days | 63 | -151 | 41 | -112 | 41 | 32 | 43 | 38 | 39 | 41 | 49 | 46 |
| ROCE % | 25% | 30% | 44% | 46% | 46% | 47% | 40% | 37% | 36% | 35% | 40% | 41% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Dividend Updates
2d - Interim dividend Rs. 265/share declared for FY 2024-25; TDS details and documentation instructions provided.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
2d - Copies of the newspaper publications of financial results for the three month period and year ended March 31, 2025.
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Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A
25 Apr - Oracle Financial confirms non-applicability of Large Corporate disclosures as of March 31, 2025.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
25 Apr - FY25 revenue Rs.6847 Cr (+7%), net income Rs.2380 Cr (+7%), interim dividend Rs.265/share declared.
- Results For The Quarter And Year Ended March 31, 2025 25 Apr
Annual reports
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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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 2017
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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 2012
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Financial Year 2011
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Business Segments
1) Product Licenses (91% in Q2 FY25 vs 90% in FY22): [1] [2] 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. [3] 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. [4] [5] [6]