Oracle Financial Services Software Ltd

Oracle Financial Services Software Ltd

₹ 9,507 -1.56%
14 Jun 4:01 p.m.
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]

  • Market Cap 82,392 Cr.
  • Current Price 9,507
  • High / Low 9,794 / 3,708
  • Stock P/E 37.1
  • Book Value 907
  • Dividend Yield 2.52 %
  • ROCE 39.5 %
  • ROE 29.0 %
  • Face Value 5.00

Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Company has a good return on equity (ROE) track record: 3 Years ROE 27.0%
  • Company has been maintaining a healthy dividend payout of 96.0%

Cons

  • Stock is trading at 10.5 times its book value
  • The company has delivered a poor sales growth of 5.15% 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

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
1,211 1,397 1,281 1,266 1,277 1,402 1,376 1,449 1,471 1,462 1,444 1,824 1,642
621 665 651 682 725 755 809 843 820 841 886 955 908
Operating Profit 590 733 630 585 552 647 567 606 651 621 558 869 734
OPM % 49% 52% 49% 46% 43% 46% 41% 42% 44% 42% 39% 48% 45%
44 30 27 36 42 44 46 41 61 101 65 94 83
Interest 5 -0 5 3 4 -7 5 7 8 -3 8 9 14
Depreciation 24 25 25 24 20 20 22 21 19 18 19 19 18
Profit before tax 605 738 627 593 570 679 586 620 686 707 596 934 785
Tax % 24% 29% 29% 27% 15% 28% 32% 29% 30% 29% 30% 21% 29%
460 524 448 435 482 492 398 437 479 501 417 741 560
EPS in Rs 53.49 60.86 51.93 50.49 55.86 56.95 46.05 50.63 55.48 57.92 48.20 85.51 64.63
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
3,474 3,741 3,905 4,131 4,427 4,527 4,959 4,861 4,984 5,221 5,698 6,373
2,255 2,342 2,354 2,520 2,693 2,716 2,814 2,633 2,515 2,723 3,227 3,590
Operating Profit 1,219 1,399 1,551 1,612 1,734 1,811 2,145 2,229 2,469 2,499 2,471 2,783
OPM % 35% 37% 40% 39% 39% 40% 43% 46% 50% 48% 43% 44%
460 674 348 189 93 91 176 177 132 134 192 342
Interest 0 0 0 0 0 0 0 47 19 12 13 28
Depreciation 66 72 68 53 70 61 54 106 104 93 81 74
Profit before tax 1,613 2,001 1,831 1,748 1,757 1,840 2,267 2,252 2,477 2,528 2,570 3,022
Tax % 33% 32% 35% 40% 33% 33% 39% 35% 29% 25% 30% 27%
1,075 1,359 1,192 1,049 1,185 1,237 1,386 1,462 1,762 1,889 1,806 2,219
EPS in Rs 127.89 161.55 140.91 123.61 139.28 144.82 161.57 170.26 204.72 219.00 209.05 256.07
Dividend Payout % 0% 0% 472% 81% 122% 90% 0% 106% 98% 87% 108% 94%
Compounded Sales Growth
10 Years: 5%
5 Years: 5%
3 Years: 9%
TTM: 12%
Compounded Profit Growth
10 Years: 5%
5 Years: 10%
3 Years: 8%
TTM: 23%
Stock Price CAGR
10 Years: 13%
5 Years: 24%
3 Years: 36%
1 Year: 147%
Return on Equity
10 Years: 27%
5 Years: 27%
3 Years: 27%
Last Year: 29%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 42 42 42 42 42 43 43 43 43 43 43 43
Reserves 7,364 8,735 3,402 4,632 3,222 4,665 4,894 6,527 6,806 7,057 7,416 7,816
0 0 0 0 0 0 0 115 70 83 69 43
1,006 941 2,825 1,011 2,756 1,225 1,192 1,236 1,234 1,409 1,590 2,034
Total Liabilities 8,413 9,718 6,269 5,685 6,020 5,933 6,128 7,920 8,153 8,592 9,119 9,936
994 954 911 865 870 837 864 963 884 871 847 805
CWIP 13 13 0 5 1 3 0 0 0 4 1 3
Investments 1 0 0 10 0 0 0 0 0 0 0 0
7,404 8,752 5,357 4,805 5,150 5,093 5,264 6,957 7,268 7,717 8,271 9,128
Total Assets 8,413 9,718 6,269 5,685 6,020 5,933 6,128 7,920 8,153 8,592 9,119 9,936

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
1,134 673 1,060 712 1,121 1,157 1,380 1,522 1,920 1,856 1,758 1,791
-1,160 -672 3,701 1,018 1,823 -1,313 220 -1,299 34 -138 267 1,598
15 14 -4,690 -1,776 -931 -1,630 -1,250 -47 -1,590 -1,733 -1,665 -1,958
Net Cash Flow -11 15 72 -45 2,013 -1,785 350 175 363 -15 360 1,430

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 76 66 56 73 59 81 70 69 59 65 69 76
Inventory Days
Days Payable
Cash Conversion Cycle 76 66 56 73 59 81 70 69 59 65 69 76
Working Capital Days 35 63 -151 41 -112 41 32 43 38 39 41 49
ROCE % 24% 25% 30% 44% 46% 46% 47% 40% 37% 36% 35%

Shareholding Pattern

Numbers in percentages

2 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 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 58,40275,50285,20799,0081,09,7031,19,3661,22,1831,15,9801,07,1001,01,79099,7071,10,913

* 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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