Oracle Financial Services Software Ltd

Oracle Fin.Serv. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Oracle Financial Services Software Ltd

₹ 11,651 4.64%
10 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]
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 ₹ 1,01,448 Cr.
  • Current Price ₹ 11,651
  • High / Low ₹ 11,685 / 6,232
  • Stock P/E 38.4
  • Book Value ₹ 899
  • Dividend Yield 3.43 %
  • 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 3.43%.
  • Company has a good return on equity (ROE) track record: 3 Years ROE 30.3%
  • Company has been maintaining a healthy dividend payout of 107%

Cons

  • Stock is trading at 13.0 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

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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% 132%
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: 13%
5 Years: 24%
3 Years: 45%
1 Year: 35%
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 2,017
Total Liabilities 6,269 5,685 6,020 5,933 6,128 7,920 8,153 8,592 9,119 9,749 10,067 9,876
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 9,078
Total Assets 6,269 5,685 6,020 5,933 6,128 7,920 8,153 8,592 9,119 9,749 10,067 9,876

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 1,085
-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 -2,269 274
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 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Americas (NAMER) Revenue Share
% of total revenue

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Asia Pacific (JAPAC, incl. India) Revenue Share
% of total revenue
EMEA Revenue Share
% of total revenue
Largest Customer Revenue Concentration
% of total revenue
Products Revenue Share
% of total revenue
Top 5 Customers Revenue Concentration
% of total revenue
Total Employees (Consolidated OFSS Group)
employees
Countries Served
countries

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
72.81% 72.78% 72.75% 72.71% 72.69% 72.62% 72.59% 72.56% 72.53% 72.46% 72.44% 72.41%
7.74% 6.89% 6.13% 5.10% 7.73% 8.48% 8.74% 8.55% 8.66% 8.36% 8.04% 9.70%
8.57% 9.48% 10.26% 11.49% 9.91% 9.36% 8.69% 8.50% 8.45% 8.82% 9.12% 8.79%
0.00% 0.00% 0.01% 0.01% 0.00% 0.00% 0.01% 0.00% 0.00% 0.00% 0.00% 0.00%
10.89% 10.85% 10.85% 10.69% 9.67% 9.51% 9.97% 10.39% 10.38% 10.34% 10.38% 9.08%
No. of Shareholders 1,01,79099,7071,10,9131,13,1081,25,9171,20,1221,25,9861,29,2861,38,1421,41,5151,41,6431,25,043

* 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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Documents

Announcements

Annual reports