Oracle Finl. Service

₹8996 -52.6 | 0.6%

WEBSITE BSE:532466 NSE : ORACLE FIN 13 Feb, 16:01

Market Cap ₹78115 Cr.

Stock P/E 35.2

P/B 10.3

Current Price ₹8996

Book Value ₹ 875.7

Face Value 5

52W High ₹13203.6

Dividend Yield 2.67%

52W Low ₹ 7052.3

Edit Ratio

Oracle Finl. Service Research see more...

Overview Inc. Year: 1989Industry: IT - Software

Oracle Financial Services Software Limited is engaged inside the enterprise of supplying information technology solutions and enterprise processing offerings to the financial services industry. Its segments include IT solutions and consulting services (Services), Product licenses and related activities (Products), and Business Processing Outsourcing services (BPO-Services). The Products section deals with diverse banking software products. Its associated activities consist of upgrades, implementation and renovation activities. Its Services segment gives offerings spanning the lifecycle of programs utilized by monetary service institutions. This section's portfolio consists of consulting, utility, assist and technology services. Its BPO-Services section provides commercial enterprise manner outsourcing offerings to the lending, collections, customer support and capital marketplace industry. It gives a set of banking products, which includes Oracle FLEXCUBE Onboarding, Oracle FLEXCUBE, and Oracle Banking Branch.

Oracle Finl. Service Share Price

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Peer Comparison

Oracle Finl. Service Quarterly Results

#(Fig in Cr.)	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Net Sales	1376	1449	1471	1462	1445	1824	1642	1741	1674	1715
Other Income	46	47	64	104	65	94	93	64	106	70
Total Income	1422	1497	1535	1566	1510	1918	1735	1805	1780	1785
Total Expenditure	809	850	823	841	886	955	918	910	925	1001
Operating Profit	612	647	712	725	623	963	817	895	855	784
Interest	5	7	8	0	8	9	14	5	8	-3
Depreciation	22	21	19	19	19	19	18	18	18	17
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	585	620	686	707	596	934	785	873	829	770
Provision for Tax	188	182	206	206	179	193	225	256	251	229
Profit After Tax	398	437	479	501	417	741	560	617	578	541
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	398	437	479	501	417	741	560	617	578	541
Adjusted Earnings Per Share	46.1	50.6	55.5	57.9	48.2	85.5	64.6	71	66.6	62.4

Oracle Finl. Service Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Net Sales	3741	3905	4131	4427	4527	4959	4861	4984	5221	5698	6373	6772
Other Income	674	440	240	195	118	245	200	187	141	208	356	333
Total Income	4415	4345	4372	4621	4646	5204	5061	5171	5362	5906	6729	7105
Total Expenditure	2342	2446	2549	2731	2744	2883	2655	2570	2729	3243	3605	3754
Operating Profit	2073	1899	1822	1890	1902	2321	2406	2601	2633	2663	3125	3351
Interest	0	0	0	0	0	0	47	19	12	13	28	24
Depreciation	72	68	53	70	61	54	106	104	93	81	74	71
Exceptional Income / Expenses	0	0	-22	-63	0	0	0	0	0	0	0	0
Profit Before Tax	2001	1831	1748	1757	1840	2267	2252	2477	2528	2570	3022	3257
Provision for Tax	642	639	699	572	603	881	790	715	639	764	803	961
Profit After Tax	1359	1192	1049	1185	1237	1386	1462	1762	1889	1806	2219	2296
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	1359	1192	1049	1185	1237	1386	1462	1762	1889	1806	2219	2296
Adjusted Earnings Per Share	161.5	140.9	123.9	139.6	144.9	161.6	170.3	204.7	219	209	256.1	264.6

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	12%	9%	5%	5%
Operating Profit CAGR	17%	6%	6%	4%
PAT CAGR	23%	8%	10%	5%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	17%	37%	25%	10%
ROE Average	30%	28%	27%	27%
ROCE Average	40%	37%	38%	39%

Oracle Finl. Service Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	8777	3444	4674	3265	4707	4937	6570	6849	7100	7459	7859
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	1931	2442	39	-3	7	72	404	452	504	566	611
Total Current Liabilities	844	5153	875	2624	1096	1061	946	851	989	1094	1280
Total Liabilities	11552	11039	5589	5886	5810	6070	7920	8153	8592	9119	9749
Fixed Assets	954	911	865	860	827	854	953	874	861	837	795
Other Non-Current Assets	2439	3021	603	726	730	895	992	1022	1089	1113	1303
Total Current Assets	8159	7106	4121	4301	4254	4321	5976	6257	6642	7169	7651
Total Assets	11552	11039	5589	5886	5810	6070	7920	8153	8592	9119	9749

Oracle Finl. Service Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	504	519	624	579	2591	806	1156	1332	1695	1680	2040
Cash Flow from Operating Activities	673	1060	712	1121	1157	1380	1522	1920	1856	1758	1791
Cash Flow from Investing Activities	-649	3726	981	1849	-1353	221	-1384	46	-167	137	1598
Cash Flow from Financing Activities	14	-4690	-1776	-931	-1630	-1250	-47	-1590	-1733	-1665	-1958
Net Cash Inflow / Outflow	38	97	-83	2038	-1825	351	90	376	-45	230	1430
Closing Cash & Cash Equivalent	519	591	579	2591	806	1156	1332	1695	1680	2040	3483

Oracle Finl. Service Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	161.55	140.91	123.85	139.56	144.94	161.62	170.26	204.72	219	209.05	256.06
CEPS(Rs)	170.06	148.96	130.1	147.82	152.15	167.88	182.65	216.82	229.76	218.39	264.63
DPS(Rs)	0	665	100	170	130	0	180	200	190	225	240
Book NAV/Share(Rs)	1043.04	407.03	535.96	362.43	529.29	556.46	744.87	778.2	805.09	845.58	891.4
Core EBITDA Margin(%)	37.4	37.37	38.3	38.31	39.39	41.87	45.38	48.43	47.74	43.09	43.44
EBIT Margin(%)	53.49	46.89	42.3	39.69	40.65	45.72	47.31	50.09	48.65	45.32	47.87
Pre Tax Margin(%)	53.49	46.89	42.3	39.69	40.65	45.72	46.33	49.71	48.42	45.1	47.42
PAT Margin (%)	36.33	30.53	25.39	26.78	27.32	27.95	30.08	35.35	36.17	31.7	34.82
Cash Profit Margin (%)	38.25	32.28	26.67	28.36	28.68	29.03	32.27	37.44	37.95	33.11	35.99
ROA(%)	12.8	10.56	12.62	20.66	21.15	23.33	20.9	21.92	22.56	20.4	23.52
ROE(%)	16.8	19.51	26.28	31.12	32.57	29.84	26.18	26.91	27.69	25.35	29.53
ROCE(%)	24.73	29.96	43.05	44.26	46.17	47.01	39.97	37.21	36.43	35.48	39.83
Receivable days	68.72	59.93	63.29	63.87	69.55	71.95	70.31	63.28	60.43	64.36	68.8
Inventory Days	0	0	0	0	0	0	0	0	0	0	0
Payable days	0	0	0	0	0	0	0	0	0	0	0
PER(x)	19.1	23.12	28.48	27.32	25.81	20.96	11.94	15.63	16.4	15.61	34.23
Price/Book(x)	2.96	8	6.58	10.52	7.07	6.09	2.73	4.11	4.46	3.86	9.83
Dividend Yield(%)	0	20.41	2.83	4.46	3.48	0	8.86	6.25	5.29	6.89	2.74
EV/Net Sales(x)	5.16	6.15	6.56	6.63	6.47	5.29	2.67	4.54	4.95	3.99	11.05
EV/Core EBITDA(x)	9.31	12.64	14.87	15.53	15.39	11.3	5.39	8.7	9.82	8.54	22.54
Net Sales Growth(%)	7.69	4.37	5.8	7.15	2.28	9.53	-1.97	2.52	4.77	9.13	11.84
EBIT Growth(%)	24.05	-8.52	-4.55	0.54	4.75	23.18	1.44	8.56	1.76	1.66	18.12
PAT Growth(%)	26.43	-12.29	-12.03	13.01	4.36	12.03	5.51	20.49	7.21	-4.38	22.88
EPS Growth(%)	26.31	-12.77	-12.11	12.68	3.86	11.5	5.35	20.24	6.98	-4.55	22.49
Debt/Equity(x)	0	0	0	0	0	0	0	0	0	0	0
Current Ratio(x)	9.67	1.38	4.71	1.64	3.88	4.07	6.32	7.35	6.72	6.55	5.98
Quick Ratio(x)	9.67	1.38	4.71	1.64	3.88	4.07	6.32	7.35	6.72	6.55	5.98
Interest Cover(x)	0	0	0	0	0	0	48.55	130.51	208.22	204.07	108.52
Total Debt/Mcap(x)	0	0	0	0	0	0	0	0	0	0	0

Oracle Finl. Service Shareholding Pattern

#	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoter	73	72.99	72.98	72.9	72.81	72.78	72.75	72.71	72.69	72.62
FII	7.22	6.75	7.44	7.79	7.74	6.9	6.13	5.1	7.73	8.49
DII	9.36	9.17	8.53	8.47	8.56	9.47	10.27	11.5	9.91	9.38
Public	10.42	11.09	11.06	10.85	10.89	10.85	10.85	10.69	9.67	9.51
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoter	6.31	6.31	6.31	6.31	6.31	6.31	6.31	6.31	6.31	6.31
FII	0.62	0.58	0.64	0.67	0.67	0.6	0.53	0.44	0.67	0.74
DII	0.81	0.79	0.74	0.73	0.74	0.82	0.89	1	0.86	0.81
Public	0.9	0.96	0.96	0.94	0.94	0.94	0.94	0.93	0.84	0.83
Others	0	0	0	0	0	0	0	0	0	0
Total	8.64	8.64	8.64	8.65	8.66	8.66	8.67	8.67	8.67	8.68

Pros

Company has a good return on equity (ROE) track record: 3 Years ROE 28%
Company is almost debt free.

Cons

Stock is trading at 10.3 times its book value.
The company has delivered a poor profit growth of 9% 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.