Oracle Financial Services Software Ltd

₹ 8,734 1.13%

14 Jul - 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) 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]

Website BSE NSE

Market Cap ₹ 75,897 Cr.
Current Price ₹ 8,734
High / Low ₹ 13,220 / 7,038
Stock P/E 31.9
Book Value ₹ 963
Dividend Yield 3.03 %
ROCE 40.6 %
ROE 29.3 %
Face Value ₹ 5.00

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Pros

Company is almost debt free.
Stock is providing a good dividend yield of 3.03%.
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 9.07 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

Information Technology Information Technology IT - Software Software Products

Part of BSE 500 BSE Information Technology BSE 200 Nifty 500 Nifty IT BSE MidCap Nifty Midcap 100 Nifty Midcap 50 Nifty MNC Nifty 200 Nifty Dividend Opportunities 50 Nifty Alpha 50 BSE Allcap BSE 150 MidCap Index BSE 250 LargeMidCap Index BSE 400 MidSmallCap Index BSE Momentum 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 Midcap Select Nifty India Digital Index Nifty Total Market Nifty Alpha Quality Low-Volatility 30 Nifty Alpha Quality Value Low-Volatility 30 Nifty500 Momentum 50 Nifty500 Equal Weight Nifty500 Multicap Momentum Quality 50 Nifty500 LargeMidSmall Equal-Cap Weighted Nifty500 Quality 50 Nifty500 Multifactor MQVLv50

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	1,277	1,402	1,376	1,449	1,471	1,462	1,444	1,824	1,642	1,741	1,674	1,715	1,716
	725	755	809	843	820	841	886	955	908	894	923	1,001	952
Operating Profit	552	647	567	606	651	622	558	868	734	847	751	714	765
OPM %	43%	46%	41%	42%	44%	42%	39%	48%	45%	49%	45%	42%	45%
	42	44	46	41	61	101	65	94	82	48	105	70	82
Interest	4	-7	5	7	8	-3	8	9	14	5	8	-3	-9
Depreciation	20	20	22	21	19	18	19	19	18	18	18	17	17
Profit before tax	570	679	586	620	686	707	596	934	785	873	829	770	839
Tax %	15%	28%	32%	29%	30%	29%	30%	21%	29%	29%	30%	30%	23%
	482	492	398	437	479	501	417	741	560	617	578	541	644
EPS in Rs	55.86	56.95	46.05	50.63	55.48	57.92	48.20	85.51	64.62	71.12	66.60	62.35	74.13
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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	2,782	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:	9%
5 Years:	24%
3 Years:	41%
1 Year:	-17%

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	1,659
Total Liabilities	9,718	6,269	5,685	6,020	5,933	6,128	7,920	8,153	8,592	9,119	9,749	10,067
	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	9,262
Total Assets	9,718	6,269	5,685	6,020	5,933	6,128	7,920	8,153	8,592	9,119	9,749	10,067

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	-2,372
	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	-2,269

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%

Shareholding Pattern

Numbers in percentages

	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	73.02%	73.00%	72.99%	72.98%	72.90%	72.81%	72.78%	72.75%	72.71%	72.69%	72.62%	72.59%
	7.45%	7.22%	6.75%	7.44%	7.79%	7.74%	6.89%	6.13%	5.10%	7.73%	8.48%	8.74%
	9.43%	9.36%	9.17%	8.53%	8.46%	8.57%	9.48%	10.26%	11.49%	9.91%	9.36%	8.69%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.00%	0.00%	0.01%
	10.10%	10.41%	11.09%	11.06%	10.84%	10.89%	10.85%	10.85%	10.69%	9.67%	9.51%	9.97%
No. of Shareholders	1,09,703	1,19,366	1,22,183	1,15,980	1,07,100	1,01,790	99,707	1,10,913	1,13,108	1,25,917	1,20,122	1,25,986

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

* 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

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