Oracle Financial Services Software Ltd

₹ 11,516 3.36%

22 Nov - 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

Products and Services
The co. offers Financial Services products by solutions like AML and Financial Crime Compliance, Retail & Corporate Banking, Risk and Finance, Revenue Management and Billing, Insurance, Cloud Infrastructure, Customer Acquisition and Experience, and a few more. ^[1]

Website BSE NSE

Market Cap ₹ 99,958 Cr.
Current Price ₹ 11,516
High / Low ₹ 12,619 / 3,958
Stock P/E 40.1
Book Value ₹ 814
Dividend Yield 2.08 %
ROCE 39.5 %
ROE 29.0 %
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 27.0%
Company has been maintaining a healthy dividend payout of 96.0%

Cons

Stock is trading at 14.1 times its book value
The company has delivered a poor sales growth of 5.15% 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 Nifty200 Alpha30 Nifty200 Quality 30 BSE Allcap BSE 150 MidCap Index BSE 400 MidSmallCap Index Nifty Total Market BSE 200 Nifty Midcap150 Momentum 50 Nifty India Digital Index BSE Dollex 200 Nifty Midcap150 Quality 50 Nifty200 Momentum 30 BSE 250 LargeMidCap Index Nifty LargeMidcap 250 Nifty 500 Multicap 50:25:25 BSE 500 BSE Information Technology BSE Momentum Index BSE Quality Index Nifty Midcap 150 Nifty MidSmallcap 400 Nifty 500 BSE MidCap Nifty Midcap 100 Nifty Midcap 50 Nifty MNC Nifty 200 Nifty Dividend Opportunities 50 Nifty Alpha 50

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	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
	1,281	1,266	1,277	1,402	1,376	1,449	1,471	1,462	1,444	1,824	1,642	1,741	1,674
	651	682	725	755	809	843	820	841	886	955	908	894	923
Operating Profit	630	585	552	647	567	606	651	622	558	869	734	847	751
OPM %	49%	46%	43%	46%	41%	42%	44%	42%	39%	48%	45%	49%	45%
	27	36	42	44	46	41	61	101	65	94	82	48	105
Interest	5	3	4	-7	5	7	8	-3	8	9	14	5	8
Depreciation	25	24	20	20	22	21	19	18	19	19	18	18	18
Profit before tax	627	593	570	679	586	620	686	707	596	934	785	873	829
Tax %	29%	27%	15%	28%	32%	29%	30%	29%	30%	21%	29%	29%	30%
	448	435	482	492	398	437	479	501	417	741	560	617	578
EPS in Rs	51.93	50.49	55.86	56.95	46.05	50.63	55.48	57.92	48.20	85.51	64.62	71.12	66.60
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	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
	3,474	3,741	3,905	4,131	4,427	4,527	4,959	4,861	4,984	5,221	5,698	6,373	6,881
	2,255	2,342	2,354	2,520	2,693	2,716	2,814	2,633	2,515	2,723	3,227	3,590	3,681
Operating Profit	1,219	1,399	1,551	1,612	1,734	1,811	2,145	2,229	2,469	2,499	2,471	2,783	3,201
OPM %	35%	37%	40%	39%	39%	40%	43%	46%	50%	48%	43%	44%	47%
	460	674	348	189	93	91	176	177	132	134	192	342	329
Interest	0	0	0	0	0	0	0	47	19	12	13	28	36
Depreciation	66	72	68	53	70	61	54	106	104	93	81	74	72
Profit before tax	1,613	2,001	1,831	1,748	1,757	1,840	2,267	2,252	2,477	2,528	2,570	3,022	3,421
Tax %	33%	32%	35%	40%	33%	33%	39%	35%	29%	25%	30%	27%
	1,075	1,359	1,192	1,049	1,185	1,237	1,386	1,462	1,762	1,889	1,806	2,219	2,495
EPS in Rs	127.89	161.55	140.91	123.61	139.28	144.82	161.57	170.26	204.72	219.00	209.05	256.07	287.85
Dividend Payout %	0%	0%	472%	81%	122%	90%	0%	106%	98%	87%	108%	94%

Compounded Sales Growth
10 Years:	5%
5 Years:	5%
3 Years:	9%
TTM:	18%

Compounded Profit Growth
10 Years:	5%
5 Years:	10%
3 Years:	8%
TTM:	36%

Stock Price CAGR
10 Years:	13%
5 Years:	31%
3 Years:	40%
1 Year:	186%

Return on Equity
10 Years:	27%
5 Years:	27%
3 Years:	27%
Last Year:	29%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	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	42	43	43	43	43	43	43	43	43
Reserves	7,364	8,735	3,402	4,632	3,222	4,665	4,894	6,527	6,806	7,057	7,416	7,816	7,020
	0	0	0	0	0	0	0	115	70	83	69	43	31
	1,006	941	2,825	1,011	2,756	1,225	1,192	1,236	1,234	1,409	1,590	1,848	2,027
Total Liabilities	8,413	9,718	6,269	5,685	6,020	5,933	6,128	7,920	8,153	8,592	9,119	9,749	9,120
	994	954	911	865	870	837	864	963	884	871	847	805	792
CWIP	13	13	0	5	1	3	0	0	0	4	1	3	5
Investments	1	0	0	10	0	0	0	0	0	0	0	0	0
	7,404	8,752	5,357	4,805	5,150	5,093	5,264	6,957	7,268	7,717	8,271	8,942	8,324
Total Assets	8,413	9,718	6,269	5,685	6,020	5,933	6,128	7,920	8,153	8,592	9,119	9,749	9,120

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	1,134	673	1,060	712	1,121	1,157	1,380	1,522	1,920	1,856	1,758	1,791
	-1,160	-672	3,701	1,018	1,823	-1,313	220	-1,299	34	-138	267	1,611
	15	14	-4,690	-1,776	-931	-1,630	-1,250	-47	-1,590	-1,733	-1,665	-1,958
Net Cash Flow	-11	15	72	-45	2,013	-1,785	350	175	363	-15	360	1,443

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	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	76	66	56	73	59	81	70	69	59	65	69	76
Inventory Days
Days Payable
Cash Conversion Cycle	76	66	56	73	59	81	70	69	59	65	69	76
Working Capital Days	35	63	-151	41	-112	41	32	43	38	39	41	49
ROCE %	24%	25%	30%	44%	46%	46%	47%	40%	37%	36%	35%	40%

Shareholding Pattern

Numbers in percentages

14 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

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