Oracle Financial Services Software Ltd

₹ 7,413 0.90%

24 Apr 10:25 a.m.

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

Products and Services
The co. offers Financial Services products by solutions like AML and Financial Crime Compliance, Retail & Corporate Banking, Risk and Finance, Revenue Management and Billing, Insurance, Cloud Infrastructure, Customer Acquisition and Experience, and a few more. ^[1]

Website BSE NSE

Market Cap ₹ 64,252 Cr.
Current Price ₹ 7,413
High / Low ₹ 9,023 / 3,401
Stock P/E 30.1
Book Value ₹ 750
Dividend Yield 3.03 %
ROCE 35.1 %
ROE 24.8 %
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 3.06%.
Company has a good return on equity (ROE) track record: 3 Years ROE 26.0%
Company has been maintaining a healthy dividend payout of 97.4%

Cons

Stock is trading at 9.80 times its book value
The company has delivered a poor sales growth of 4.71% 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
	1,238	1,211	1,397	1,281	1,266	1,277	1,402	1,376	1,449	1,471	1,462	1,444	1,824
	627	621	665	651	682	725	755	809	843	820	841	886	955
Operating Profit	611	590	733	630	585	552	647	567	606	651	621	558	869
OPM %	49%	49%	52%	49%	46%	43%	46%	41%	42%	44%	42%	39%	48%
	23	44	30	27	36	42	44	46	41	61	101	65	94
Interest	5	5	-0	5	3	4	-7	5	7	8	-3	8	9
Depreciation	26	24	25	25	24	20	20	22	21	19	18	19	19
Profit before tax	603	605	738	627	593	570	679	586	620	686	707	596	934
Tax %	29%	24%	29%	29%	27%	15%	28%	32%	29%	30%	29%	30%	21%
	430	460	524	448	435	482	492	398	437	479	501	417	741
EPS in Rs	49.94	53.49	60.86	51.93	50.49	55.86	56.95	46.05	50.63	55.48	57.92	48.20	85.51
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
	3,147	3,474	3,741	3,905	4,131	4,427	4,527	4,959	4,861	4,984	5,221	5,698	6,201
	2,035	2,255	2,342	2,354	2,520	2,693	2,716	2,814	2,633	2,515	2,723	3,227	3,502
Operating Profit	1,111	1,219	1,399	1,551	1,612	1,734	1,811	2,145	2,229	2,469	2,499	2,471	2,699
OPM %	35%	35%	37%	40%	39%	39%	40%	43%	46%	50%	48%	43%	44%
	352	460	674	348	189	93	91	176	177	132	134	192	321
Interest	0	0	0	0	0	0	0	0	47	19	12	13	22
Depreciation	47	66	72	68	53	70	61	54	106	104	93	81	75
Profit before tax	1,417	1,613	2,001	1,831	1,748	1,757	1,840	2,267	2,252	2,477	2,528	2,570	2,923
Tax %	36%	33%	32%	35%	40%	33%	33%	39%	35%	29%	25%	30%
	909	1,075	1,359	1,192	1,049	1,185	1,237	1,386	1,462	1,762	1,889	1,806	2,139
EPS in Rs	108.28	127.89	161.55	140.91	123.61	139.28	144.82	161.57	170.26	204.72	219.00	209.05	247.11
Dividend Payout %	0%	0%	0%	472%	81%	122%	90%	0%	106%	98%	87%	108%

Compounded Sales Growth
10 Years:	5%
5 Years:	5%
3 Years:	5%
TTM:	13%

Compounded Profit Growth
10 Years:	5%
5 Years:	8%
3 Years:	7%
TTM:	18%

Stock Price CAGR
10 Years:	9%
5 Years:	16%
3 Years:	31%
1 Year:	115%

Return on Equity
10 Years:	25%
5 Years:	26%
3 Years:	26%
Last Year:	25%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Sep 2023
Equity Capital	42	42	42	42	42	42	43	43	43	43	43	43	43
Reserves	6,276	7,364	8,735	3,402	4,632	3,222	4,665	4,894	6,527	6,806	7,057	7,416	6,453
	0	0	0	0	0	0	0	0	115	70	83	69	54
	891	1,006	941	2,825	1,011	2,756	1,225	1,192	1,236	1,234	1,409	1,590	1,741
Total Liabilities	7,209	8,413	9,718	6,269	5,685	6,020	5,933	6,128	7,920	8,153	8,592	9,119	8,292
	981	994	954	911	865	870	837	864	963	884	871	847	829
CWIP	54	13	13	0	5	1	3	0	0	0	4	1	0
Investments	1	1	0	0	10	0	0	0	0	0	0	0	0
	6,172	7,404	8,752	5,357	4,805	5,150	5,093	5,264	6,957	7,268	7,717	8,271	7,462
Total Assets	7,209	8,413	9,718	6,269	5,685	6,020	5,933	6,128	7,920	8,153	8,592	9,119	8,292

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
	821	1,134	673	1,060	712	1,121	1,157	1,380	1,522	1,920	1,856	1,758
	-644	-1,160	-672	3,701	1,018	1,823	-1,313	220	-1,299	34	-138	267
	6	15	14	-4,690	-1,776	-931	-1,630	-1,250	-47	-1,590	-1,733	-1,665
Net Cash Flow	183	-11	15	72	-45	2,013	-1,785	350	175	363	-15	360

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Debtor Days	104	76	66	56	73	59	81	70	69	59	65	69
Inventory Days
Days Payable
Cash Conversion Cycle	104	76	66	56	73	59	81	70	69	59	65	69
Working Capital Days	99	35	63	-151	41	-112	41	32	43	38	39	41
ROCE %	25%	24%	25%	30%	44%	46%	46%	47%	40%	37%	36%	35%

Shareholding Pattern

Numbers in percentages

24 Recently

	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
	73.21%	73.15%	73.12%	73.11%	73.02%	73.00%	72.99%	72.98%	72.90%	72.81%	72.78%	72.75%
	10.02%	8.53%	8.25%	7.98%	7.45%	7.22%	6.75%	7.44%	7.79%	7.74%	6.89%	6.13%
	8.34%	8.93%	9.28%	9.30%	9.43%	9.36%	9.17%	8.53%	8.46%	8.57%	9.48%	10.26%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%
	8.42%	9.38%	9.34%	9.61%	10.10%	10.41%	11.09%	11.06%	10.84%	10.89%	10.85%	10.85%
No. of Shareholders	58,402	75,502	85,207	99,008	1,09,703	1,19,366	1,22,183	1,15,980	1,07,100	1,01,790	99,707	1,10,913

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

* 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

Shareholding Pattern

Documents

Announcements

Annual reports