Oracle Financial Services Software Ltd

₹ 9,694 -0.13%

06 May - 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 ₹ 84,450 Cr.
Current Price ₹ 9,694
High / Low ₹ 9,950 / 6,232
Stock P/E 32.0
Book Value ₹ 899
Dividend Yield 4.13 %
ROCE 45.3 %
ROE 32.6 %
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 4.13%.
Company has a good return on equity (ROE) track record: 3 Years ROE 30.3%
Company has been maintaining a healthy dividend payout of 93.1%

Cons

Stock is trading at 10.8 times its book value
The company has delivered a poor sales growth of 9.01% 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 Nifty IT Nifty Midcap 100 Nifty MNC Nifty 200 Nifty Dividend Opportunities 50 BSE 150 MidCap Index BSE 250 LargeMidCap Index BSE 400 MidSmallCap Index BSE Quality Index Nifty LargeMidcap 250 Nifty 500 Multicap 50:25:25 Nifty200 Quality 30 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty Midcap150 Quality 50 Nifty India Digital Index Nifty Total Market Nifty Alpha Quality Low-Volatility 30 Nifty Alpha Quality Value Low-Volatility 30 BSE Focused IT BSE 200 Equal Weight Nifty Midsmallcap400 Momentum Quality 100 Nifty MidSmall IT & Telecom Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted Nifty500 Quality 50 BSE 1000 BSE 500 Quality 50 BSE 500 Dividend Leaders 50

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Detailed Comparison with:

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
	1,471	1,462	1,444	1,824	1,642	1,741	1,674	1,715	1,716	1,852	1,789	1,966	2,065
	820	841	886	955	908	894	923	1,001	952	1,006	1,034	1,146	1,009
Operating Profit	651	622	558	868	734	847	751	714	765	846	755	820	1,056
OPM %	44%	42%	39%	48%	45%	49%	45%	42%	45%	46%	42%	42%	51%
	61	101	65	94	82	48	105	70	82	72	66	60	71
Interest	8	-3	8	9	14	5	8	-3	-9	-4	8	7	-8
Depreciation	19	18	19	19	18	18	18	17	17	18	16	16	15
Profit before tax	686	707	596	934	785	873	829	770	839	905	797	857	1,120
Tax %	30%	29%	30%	21%	29%	29%	30%	30%	23%	29%	32%	29%	25%
	479	501	417	741	560	617	578	541	644	642	546	610	842
EPS in Rs	55.48	57.92	48.20	85.51	64.62	71.12	66.60	62.35	74.13	73.87	62.82	70.06	96.71
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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
	3,905	4,131	4,427	4,527	4,959	4,861	4,984	5,221	5,698	6,373	6,847	7,672
	2,354	2,520	2,693	2,716	2,814	2,633	2,515	2,723	3,227	3,590	3,770	4,195
Operating Profit	1,551	1,612	1,734	1,811	2,145	2,229	2,469	2,499	2,471	2,782	3,076	3,477
OPM %	40%	39%	39%	40%	43%	46%	50%	48%	43%	44%	45%	45%
	348	189	93	91	176	177	132	134	192	342	304	271
Interest	0	0	0	0	0	47	19	12	13	28	0	2
Depreciation	68	53	70	61	54	106	104	93	81	74	69	65
Profit before tax	1,831	1,748	1,757	1,840	2,267	2,252	2,477	2,528	2,570	3,022	3,311	3,680
Tax %	35%	40%	33%	33%	39%	35%	29%	25%	30%	27%	28%	28%
	1,192	1,049	1,185	1,237	1,386	1,462	1,762	1,889	1,806	2,219	2,380	2,639
EPS in Rs	140.91	123.61	139.28	144.82	161.57	170.26	204.72	219.00	209.05	256.07	273.95	303.25
Dividend Payout %	472%	81%	122%	90%	0%	106%	98%	87%	108%	94%	97%	89%

Compounded Sales Growth
10 Years:	6%
5 Years:	9%
3 Years:	10%
TTM:	12%

Compounded Profit Growth
10 Years:	9%
5 Years:	8%
3 Years:	13%
TTM:	11%

Stock Price CAGR
10 Years:	11%
5 Years:	22%
3 Years:	38%
1 Year:	16%

Return on Equity
10 Years:	28%
5 Years:	29%
3 Years:	30%
Last Year:	33%

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	42	42	42	43	43	43	43	43	43	43	43	44
Reserves	3,402	4,632	3,222	4,665	4,894	6,527	6,806	7,057	7,416	7,816	8,319	7,783
	0	0	0	0	0	115	70	83	69	43	46	32
	2,825	1,011	2,756	1,225	1,192	1,236	1,234	1,409	1,590	1,848	1,659	2,075
Total Liabilities	6,269	5,685	6,020	5,933	6,128	7,920	8,153	8,592	9,119	9,749	10,067	9,934
	911	865	870	837	864	963	884	871	847	805	796	782
CWIP	0	5	1	3	0	0	0	4	1	3	9	16
Investments	0	10	0	0	0	0	0	0	0	0	0	0
	5,357	4,805	5,150	5,093	5,264	6,957	7,268	7,717	8,271	8,942	9,262	9,136
Total Assets	6,269	5,685	6,020	5,933	6,128	7,920	8,153	8,592	9,119	9,749	10,067	9,934

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
	1,060	712	1,121	1,157	1,380	1,522	1,920	1,856	1,758	1,791	2,199	2,638
	3,701	1,018	1,823	-1,313	220	-1,299	34	-138	267	1,611	-2,372	936
	-4,690	-1,776	-931	-1,630	-1,250	-47	-1,590	-1,733	-1,665	-1,958	-2,096	-3,449
Net Cash Flow	72	-45	2,013	-1,785	350	175	363	-15	360	1,443	-2,269	126
Free Cash Flow	1,047	686	1,064	1,127	1,303	1,472	1,903	1,820	1,720	1,761	2,164	2,587
CFO/OP	116%	88%	106%	98%	109%	103%	107%	102%	99%	93%	109%	105%

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	56	73	59	81	70	69	59	65	69	76	63	64
Inventory Days
Days Payable
Cash Conversion Cycle	56	73	59	81	70	69	59	65	69	76	63	64
Working Capital Days	-151	41	-112	41	32	40	36	37	39	48	45	37
ROCE %	30%	44%	46%	46%	47%	40%	37%	36%	35%	40%	41%	45%

Insights

In beta

Mar 2014

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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 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 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	1,07,100	1,01,790	99,707	1,10,913	1,13,108	1,25,917	1,20,122	1,25,986	1,29,286	1,38,142	1,41,515	1,41,643

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	74.09%	73.82%	73.50%	73.42%	73.26%	73.11%	72.98%	72.75%	72.59%	72.44%
	14.60%	14.89%	13.84%	13.47%	10.61%	7.98%	7.44%	6.13%	8.74%	8.04%
	3.54%	4.13%	5.43%	6.27%	8.01%	9.30%	8.53%	10.26%	8.69%	9.12%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.00%
	7.77%	7.16%	7.22%	6.83%	8.11%	9.61%	11.06%	10.85%	9.97%	10.38%
No. of Shareholders	22,548	20,597	25,595	27,173	48,571	99,008	1,15,980	1,10,913	1,25,986	1,41,643

* 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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Oracle Financial Services Software Ltd

Oracle Financial Services Software Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports