Nucleus Software Exports Ltd

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Nucleus Soft. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Nucleus Software Exports Ltd

₹ 686 -0.74%
18 Sep - close price
nucleussoftware.com BSE: 531209 NSE: NUCLEUS
About

Nucleus Software provides lending and transaction banking products to the global financial services industry. As a pioneer in retail and corporate banking software since 1986.

Their software powers the operations of more than 200 Financial Institutions in over 50 countries, supporting retail lending, corporate banking, cash management, mobile and internet banking, automotive finance and other business areas. [1]

Key Points

Business Overview
The company offers Fintech solutions to 200+ banks and financial institutions across 50 countries supporting Retail, Corporate & SME Finance, Islamic Finance, Automotive Finance, Captive Automotive Finance, Cash Management, Mobile & Internet Banking, Transaction Banking, and more. It facilitates 26+ million transactions daily through its globally integrated transaction banking platform. Its lending platform manages US $ 500 Bn of loans in India and US $700+ Bn globally while enabling 500,000+ users to log in daily. [1]

Website BSE NSE
  • Market Cap ₹ 1,807 Cr.
  • Current Price ₹ 686
  • High / Low ₹ 1,065 / 682
  • Stock P/E 16.4
  • Book Value ₹ 332
  • Dividend Yield 1.82 %
  • ROCE 17.4 %
  • ROE 13.8 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Company has been maintaining a healthy dividend payout of 22.0%

Cons

  • Earnings include an other income of Rs.54.3 Cr.

* 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 Information Technology BSE 1000

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
196 189 188 193 182 185 189 213 201 196 202 207 194
131 141 141 139 152 155 160 141 169 175 173 174 187
Operating Profit 65 49 46 54 30 30 29 72 32 21 29 33 6
OPM % 33% 26% 25% 28% 16% 16% 15% 34% 16% 11% 14% 16% 3.3%
11 12 12 14 15 23 15 17 24 19 -4 12 28
Interest 0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 3 3 3 4 4 4 3 3 3 4 4 5 5
Profit before tax 73 57 55 64 41 50 40 85 53 37 20 40 29
Tax % 25% 27% 26% 24% 24% 26% 24% 26% 25% 24% 15% 16% 20%
55 42 40 48 31 37 31 63 40 28 17 33 23
EPS in Rs 20.50 15.73 15.12 18.11 11.64 13.87 11.73 24.01 15.04 10.58 6.62 12.71 8.72
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
279 278 299 337 397 444 454 448 585 766 769 806 799
218 265 264 295 336 367 332 412 428 553 609 691 709
Operating Profit 61 13 36 43 61 77 122 36 157 214 160 115 90
OPM % 22% 4.8% 12% 13% 15% 17% 27% 8% 27% 28% 21% 14% 11%
29 51 32 42 40 64 37 34 34 49 70 51 54
Interest 0 0 0 0 0 1 1 0 1 1 1 1 1
Depreciation 11 11 10 6 7 11 11 13 17 13 14 15 17
Profit before tax 80 53 57 78 94 129 147 57 173 249 216 150 126
Tax % 24% 15% 9% 16% 19% 21% 24% 26% 25% 25% 25% 21%
61 45 52 66 76 102 112 42 130 186 162 118 102
EPS in Rs 18.76 13.79 15.99 22.59 26.04 35.20 38.58 15.72 48.69 69.45 61.45 44.94 38.63
Dividend Payout % 27% 36% 31% 35% 35% 26% 23% 45% 21% 18% 20% 28%
Compounded Sales Growth
10 Years: 11%
5 Years: 12%
3 Years: 11%
TTM: 1%
Compounded Profit Growth
10 Years: 10%
5 Years: 2%
3 Years: 0%
TTM: -35%
Stock Price CAGR
10 Years: 14%
5 Years: 5%
3 Years: -11%
1 Year: -35%
Return on Equity
10 Years: 16%
5 Years: 16%
3 Years: 18%
Last Year: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 32 32 32 29 29 29 29 27 27 27 26 26
Reserves 362 392 458 391 441 513 618 443 561 722 757 848
-0 -0 -0 -0 -0 5 3 1 6 4 2 8
118 116 117 172 162 188 200 230 247 319 325 340
Total Liabilities 513 540 608 591 632 736 850 700 840 1,072 1,110 1,223
41 35 30 31 32 41 32 43 36 45 48 76
CWIP 1 1 0 -0 0 0 0 0 1 1 0 0
Investments 171 253 447 394 433 489 649 494 540 664 656 659
300 250 130 167 167 205 169 162 263 363 407 488
Total Assets 513 540 608 591 632 736 850 700 840 1,072 1,110 1,223

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
42 12 81 68 38 69 106 56 52 212 139 102
-15 17 -74 73 -17 -9 -126 159 -13 -197 -13 -33
-23 -34 -0 -134 -25 -32 -11 -211 -21 -29 -125 -36
Net Cash Flow 5 -5 7 8 -5 28 -31 4 18 -15 1 33
Free Cash Flow 35 6 77 61 29 57 103 32 48 184 124 74
CFO/OP 88% 148% 256% 196% 94% 115% 111% 155% 33% 134% 110% 123%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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 101 102 65 74 56 66 65 62 103 75 61 51
Inventory Days
Days Payable
Cash Conversion Cycle 101 102 65 74 56 66 65 62 103 75 61 51
Working Capital Days -1 1 -54 -87 -63 -66 -72 -89 -21 -42 -47 -52
ROCE % 19% 13% 12% 17% 20% 25% 23% 7% 29% 32% 23% 17%

Insights

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Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
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Product Order Book
INR crore
Total Order Book
INR crore
Employee Attrition Rate
percent
Product Revenue Mix
percent
India Revenue Mix (Consolidated)
percent
New Customer Logos Added
number
R&D Expenditure (Percentage of Turnover)
%

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
73.27% 73.26% 73.26% 73.26% 73.59% 73.59% 73.59% 73.59% 73.59% 73.59% 73.59% 73.59%
3.69% 5.02% 5.65% 5.35% 5.62% 5.32% 4.83% 5.32% 5.18% 4.91% 4.46% 3.32%
0.59% 1.65% 1.90% 2.10% 1.75% 1.79% 1.50% 1.47% 1.49% 1.38% 1.21% 1.48%
22.45% 20.05% 19.18% 19.28% 19.02% 19.29% 20.08% 19.60% 19.75% 20.11% 20.72% 21.60%
No. of Shareholders 33,31830,41829,90036,28145,59244,40544,68642,54542,19241,15739,64840,028

* 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

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