Oracle Financial Services Software Ltd

₹ 12,280 -0.16%

26 Dec - 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 ₹ 1,06,736 Cr.
Current Price ₹ 12,280
High / Low ₹ 13,046 / 4,175
Stock P/E 48.2
Book Value ₹ 597
Dividend Yield 1.95 %
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 20.6 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 250 LargeMidCap Index BSE 500 Nifty India Digital Index Nifty200 Quality 30 BSE MidCap BSE Allcap Nifty Midcap 50 Nifty Dividend Opportunities 50 Nifty Alpha 50 Nifty MNC Nifty LargeMidcap 250 Nifty Midcap 150 Nifty Total Market BSE 400 MidSmallCap Index BSE 200 Nifty Midcap150 Quality 50 Nifty200 Alpha30 Nifty 500 Nifty MidSmallcap 400 Nifty200 Momentum 30 Nifty Midcap150 Momentum 50 BSE 150 MidCap Index BSE Information Technology BSE Dollex 200 Nifty 200 Nifty 500 Multicap 50:25:25 BSE Momentum Index BSE Quality Index Nifty Midcap 100

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
	957	940	958	1,059	1,001	1,083	1,112	1,117	1,080	1,375	1,213	1,295	1,209
	410	429	465	488	525	550	540	564	579	589	594	578	606
Operating Profit	547	511	493	571	476	533	573	553	501	786	618	717	602
OPM %	57%	54%	51%	54%	48%	49%	51%	50%	46%	57%	51%	55%	50%
	16	27	185	32	30	51	140	76	36	80	47	20	88
Interest	1	1	0	1	1	1	1	1	1	1	0	0	0
Depreciation	18	17	15	14	15	15	14	14	15	15	15	15	16
Profit before tax	544	520	663	587	491	568	697	614	522	851	650	721	674
Tax %	26%	25%	19%	25%	27%	24%	22%	26%	25%	18%	26%	26%	26%
	403	388	540	439	360	430	543	455	394	700	479	536	497
EPS in Rs	46.80	45.00	62.62	50.87	41.65	49.83	62.86	52.61	45.46	80.81	55.29	61.81	57.31
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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	5,092
	1,814	1,985	2,040	2,223	2,367	2,406	1,683	1,595	1,489	1,705	2,103	2,326	2,368
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	2,723
OPM %	38%	37%	39%	37%	37%	38%	53%	55%	59%	56%	51%	51%	53%
	440	621	376	213	380	89	139	169	116	256	253	240	235
Interest	0	0	0	0	0	0	0	8	5	3	3	2	2
Depreciation	59	64	63	50	67	57	50	83	80	68	58	60	61
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	2,896
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	2,212
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	255.22
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:	16%

Compounded Profit Growth
10 Years:	6%
5 Years:	10%
3 Years:	7%
TTM:	21%

Stock Price CAGR
10 Years:	14%
5 Years:	35%
3 Years:	46%
1 Year:	193%

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

3 Recently

	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
	73.12%	73.11%	73.02%	73.00%	72.99%	72.98%	72.90%	72.81%	72.78%	72.75%	72.71%	72.69%
	8.25%	7.98%	7.45%	7.22%	6.75%	7.44%	7.79%	7.74%	6.89%	6.13%	5.10%	7.73%
	9.28%	9.30%	9.43%	9.36%	9.17%	8.53%	8.46%	8.57%	9.48%	10.26%	11.49%	9.91%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.00%
	9.34%	9.61%	10.10%	10.41%	11.09%	11.06%	10.84%	10.89%	10.85%	10.85%	10.69%	9.67%
No. of Shareholders	85,207	99,008	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

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
	74.09%	73.82%	73.50%	73.42%	73.26%	73.11%	72.98%	72.75%	72.69%
	14.60%	14.89%	13.84%	13.47%	10.61%	7.98%	7.44%	6.13%	7.73%
	3.54%	4.13%	5.43%	6.27%	8.01%	9.30%	8.53%	10.26%	9.91%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.00%
	7.77%	7.16%	7.22%	6.83%	8.11%	9.61%	11.06%	10.85%	9.67%
No. of Shareholders	22,548	20,597	25,595	27,173	48,571	99,008	1,15,980	1,10,913	1,25,917

* 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

Annual reports