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

₹ 8,706 0.89%
24 Apr 9:50 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

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 ₹ 75,626 Cr.
  • Current Price ₹ 8,706
  • High / Low ₹ 13,220 / 7,023
  • Stock P/E 37.9
  • Book Value ₹ 597
  • Dividend Yield 2.78 %
  • ROCE 43.1 %
  • ROE 33.3 %
  • Face Value ₹ 5.00
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Company has a good return on equity (ROE) track record: 3 Years ROE 31.7%
  • Company has been maintaining a healthy dividend payout of 101%

Cons

  • Stock is trading at 14.4 times its book value
  • The company has delivered a poor sales growth of 5.97% 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

Part of BSE 500 BSE Information Technology BSE 200 BSE Dollex 200 Nifty 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
940 958 1,059 1,001 1,083 1,112 1,117 1,080 1,375 1,213 1,295 1,209 1,305
429 465 488 525 550 540 564 579 589 594 578 606 652
Operating Profit 511 493 571 476 533 573 553 501 786 618 717 602 654
OPM % 54% 51% 54% 48% 49% 51% 50% 46% 57% 51% 55% 50% 50%
27 185 32 30 51 140 76 36 80 47 20 88 34
Interest 1 0 1 1 1 1 1 1 1 0 0 0 0
Depreciation 17 15 14 15 15 14 14 15 15 15 15 16 14
Profit before tax 520 663 587 491 568 697 614 522 850 650 721 674 673
Tax % 25% 19% 25% 27% 24% 22% 26% 25% 18% 26% 26% 26% 28%
388 540 439 360 430 543 455 394 700 479 536 497 482
EPS in Rs 45.00 62.62 50.87 41.65 49.83 62.86 52.61 45.46 80.81 55.29 61.81 57.31 55.53
Raw PDF
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
2,938 3,159 3,341 3,528 3,736 3,862 3,581 3,526 3,645 3,896 4,256 4,784 5,022
1,814 1,985 2,040 2,223 2,367 2,406 1,683 1,595 1,489 1,705 2,103 2,326 2,431
Operating Profit 1,123 1,174 1,301 1,305 1,369 1,456 1,898 1,931 2,156 2,191 2,152 2,458 2,591
OPM % 38% 37% 39% 37% 37% 38% 53% 55% 59% 56% 51% 51% 52%
440 621 376 213 380 89 139 169 116 256 253 240 189
Interest 0 0 0 0 0 0 0 8 5 3 3 2 1
Depreciation 59 64 63 50 67 57 50 83 80 68 58 60 60
Profit before tax 1,505 1,731 1,614 1,468 1,683 1,487 1,986 2,009 2,188 2,376 2,343 2,636 2,718
Tax % 32% 34% 34% 39% 23% 32% 35% 21% 25% 24% 24% 23%
1,029 1,148 1,058 898 1,288 1,006 1,282 1,583 1,639 1,811 1,773 2,028 1,994
EPS in Rs 122.44 136.48 125.04 105.80 151.35 117.77 149.51 184.29 190.48 210.00 205.16 233.98 229.94
Dividend Payout % 0% 0% 532% 95% 112% 110% 0% 98% 105% 90% 110% 103%
Compounded Sales Growth
10 Years: 4%
5 Years: 6%
3 Years: 9%
TTM: 7%
Compounded Profit Growth
10 Years: 6%
5 Years: 10%
3 Years: 7%
TTM: -5%
Stock Price CAGR
10 Years: 10%
5 Years: 33%
3 Years: 35%
1 Year: 17%
Return on Equity
10 Years: 30%
5 Years: 32%
3 Years: 32%
Last Year: 33%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 42 42 42 42 43 43 43 43 43 43 43 43 43
Reserves 7,250 8,413 2,948 3,915 2,633 3,764 3,837 5,465 5,603 5,759 5,962 6,141 5,138
0 0 0 0 0 0 0 55 30 52 39 23 13
1,034 1,314 2,813 1,065 2,426 844 565 503 511 587 594 679 703
Total Liabilities 8,326 9,769 5,803 5,022 5,102 4,651 4,445 6,067 6,188 6,441 6,638 6,887 5,898
374 338 297 251 253 221 249 294 232 227 209 176 165
CWIP 13 12 0 2 1 2 0 0 0 4 0 2 5
Investments 729 728 728 759 755 778 765 768 773 790 791 791 792
7,209 8,690 4,777 4,010 4,094 3,649 3,431 5,005 5,183 5,421 5,639 5,917 4,936
Total Assets 8,326 9,769 5,803 5,022 5,102 4,651 4,445 6,067 6,188 6,441 6,638 6,887 5,898

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
1,146 628 974 737 705 1,067 1,053 1,485 1,545 1,598 1,506 1,644
-1,234 -656 3,733 1,087 2,184 -1,287 274 -1,523 51 9 167 1,525
15 14 -4,690 -1,779 -925 -1,668 -1,267 -33 -1,570 -1,713 -1,651 -1,943
Net Cash Flow -73 -14 18 45 1,963 -1,888 60 -72 25 -106 22 1,226

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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 120 134 76 83 50 60 50 43 46 52 54 63
Inventory Days
Days Payable
Cash Conversion Cycle 120 134 76 83 50 60 50 43 46 52 54 63
Working Capital Days 59 67 -189 15 -145 21 38 36 42 44 50 75
ROCE % 22% 22% 28% 42% 44% 46% 52% 43% 39% 41% 39% 43%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 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 1,09,7031,19,3661,22,1831,15,9801,07,1001,01,79099,7071,10,9131,13,1081,25,9171,20,1221,25,986

* 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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Documents

Announcements

Annual reports