Oracle Financial Services Software Ltd

₹ 3,378 -0.90%
12 Aug - close price
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

Products and Services
Products - Software Solutions in the Banking and Insurance sector; Analytical Application Products; Financial Crime Compliance Management Products

  • Market Cap 29,166 Cr.
  • Current Price 3,378
  • High / Low 5,145 / 2,950
  • Stock P/E 15.7
  • Book Value 823
  • Dividend Yield 5.63 %
  • ROCE 36.0 %
  • ROE 27.1 %
  • Face Value 5.00

Pros

  • Company is almost debt free.
  • Stock is providing a good dividend yield of 5.63%.
  • Company has a good return on equity (ROE) track record: 3 Years ROE 26.3%
  • Company has been maintaining a healthy dividend payout of 96.7%

Cons

  • The company has delivered a poor sales growth of 3.36% 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.

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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
1,275 1,162 1,160 1,264 1,337 1,197 1,238 1,211 1,397 1,281 1,266 1,277 1,402
656 644 634 698 647 620 627 621 665 651 682 725 755
Operating Profit 619 518 526 565 690 578 611 590 733 630 585 552 647
OPM % 49% 45% 45% 45% 52% 48% 49% 49% 52% 49% 46% 43% 46%
32 46 62 37 48 18 23 44 30 27 36 42 44
Interest 3 3 2 40 4 5 5 5 -0 5 3 4 -7
Depreciation 27 26 27 27 27 27 26 24 25 25 24 20 20
Profit before tax 622 536 559 535 707 563 603 605 738 627 593 570 679
Tax % 39% 33% 18% 50% 32% 30% 29% 24% 29% 29% 27% 15% 28%
Net Profit 377 359 457 269 480 392 430 460 524 448 435 482 492
EPS in Rs 43.98 41.80 53.20 31.35 55.82 45.59 49.94 53.49 60.86 51.93 50.49 55.86 56.95

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
2,997 3,147 3,474 3,741 3,905 4,131 4,427 4,527 4,959 4,861 4,984 5,221 5,227
1,863 2,035 2,255 2,342 2,354 2,520 2,693 2,716 2,814 2,633 2,515 2,723 2,813
Operating Profit 1,134 1,111 1,219 1,399 1,551 1,612 1,734 1,811 2,145 2,229 2,469 2,499 2,414
OPM % 38% 35% 35% 37% 40% 39% 39% 40% 43% 46% 50% 48% 46%
155 352 460 674 348 189 93 91 176 177 132 134 148
Interest 0 0 0 0 0 0 0 0 0 47 19 12 6
Depreciation 41 47 66 72 68 53 70 61 54 106 104 93 88
Profit before tax 1,248 1,417 1,613 2,001 1,831 1,748 1,757 1,840 2,267 2,252 2,477 2,528 2,469
Tax % 11% 36% 33% 32% 35% 40% 33% 33% 39% 35% 29% 25%
Net Profit 1,111 909 1,075 1,359 1,192 1,049 1,185 1,237 1,386 1,462 1,762 1,889 1,856
EPS in Rs 132.42 108.28 127.89 161.55 140.91 123.61 139.28 144.82 161.57 170.26 204.72 219.00 215.23
Dividend Payout % 0% 0% 0% 0% 472% 81% 122% 90% 0% 106% 98% 87%
Compounded Sales Growth
10 Years: 5%
5 Years: 3%
3 Years: 2%
TTM: 4%
Compounded Profit Growth
10 Years: 7%
5 Years: 9%
3 Years: 11%
TTM: 3%
Stock Price CAGR
10 Years: 1%
5 Years: -1%
3 Years: 4%
1 Year: -27%
Return on Equity
10 Years: 24%
5 Years: 27%
3 Years: 26%
Last Year: 27%

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
42 42 42 42 42 42 42 43 43 43 43 43
Reserves 5,364 6,275 7,364 8,734 3,402 4,632 3,220 4,665 4,894 6,527 6,806 7,057
0 0 0 0 0 0 0 0 0 115 70 83
714 891 1,006 942 2,825 1,011 2,758 1,225 1,192 1,236 1,234 1,409
Total Liabilities 6,120 7,209 8,413 9,718 6,269 5,685 6,020 5,933 6,128 7,920 8,153 8,592
935 981 994 954 911 865 870 837 864 963 884 871
CWIP 56 54 13 13 0 5 1 3 0 0 0 4
Investments 1 1 1 0 0 10 0 0 0 0 0 0
5,129 6,172 7,404 8,752 5,357 4,805 5,150 5,093 5,264 6,957 7,268 7,717
Total Assets 6,120 7,209 8,413 9,718 6,269 5,685 6,020 5,933 6,128 7,920 8,153 8,592

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
655 821 1,134 673 1,060 712 1,121 1,157 1,380 1,522 1,920 1,856
-1,012 -644 -1,160 -672 3,701 1,018 1,823 -1,313 220 -1,299 34 -138
3 6 15 14 -4,690 -1,776 -931 -1,630 -1,250 -47 -1,590 -1,733
Net Cash Flow -354 183 -11 15 72 -45 2,013 -1,785 350 175 363 -15

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 99 104 76 66 56 73 59 81 70 69 59 65
Inventory Days
Days Payable
Cash Conversion Cycle 99 104 76 66 56 73 59 81 70 69 59 65
Working Capital Days 106 99 35 63 -151 41 -112 41 32 43 38 39
ROCE % 26% 25% 24% 25% 30% 44% 46% 46% 47% 40% 37% 36%

Shareholding Pattern

Numbers in percentages

2 recently
Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022
73.45 73.44 73.42 73.35 73.32 73.28 73.26 73.21 73.15 73.12 73.11 73.02
13.88 13.87 13.47 13.22 12.42 11.04 10.61 10.02 8.53 8.25 7.98 7.45
5.79 5.82 6.27 6.42 7.00 8.02 8.01 8.34 8.93 9.28 9.30 9.43
6.87 6.87 6.83 7.00 7.25 7.65 8.11 8.42 9.38 9.34 9.61 10.10

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