WEBSITE BSE:532466 NSE: ORACLE FIN Inc. Year: 1989 Industry: IT - Software
Last updated: 15:56
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 seg...Read More
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. ...Read Less
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Market Cap ₹59389 Cr.
Stock P/E 25
P/B 7.4
Current Price ₹6824
Book Value ₹ 916.7
Face Value 5
52W High ₹9948
Dividend Yield 3.88%
52W Low ₹ 6398.1
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 1445 | 1824 | 1642 | 1741 | 1674 | 1715 | 1716 | 1852 | 1789 | 1966 |
| Other Income | 65 | 94 | 93 | 64 | 106 | 72 | 83 | 80 | 66 | 61 |
| Total Income | 1510 | 1918 | 1735 | 1805 | 1780 | 1787 | 1799 | 1932 | 1855 | 2026 |
| Total Expenditure | 886 | 955 | 918 | 910 | 925 | 1004 | 952 | 1013 | 1034 | 1146 |
| Operating Profit | 623 | 963 | 817 | 895 | 855 | 784 | 847 | 919 | 822 | 880 |
| Interest | 8 | 9 | 14 | 5 | 8 | -3 | -9 | -4 | 8 | 7 |
| Depreciation | 19 | 19 | 18 | 18 | 18 | 17 | 17 | 18 | 17 | 16 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 596 | 934 | 785 | 873 | 829 | 770 | 839 | 905 | 797 | 857 |
| Provision for Tax | 179 | 193 | 225 | 256 | 251 | 229 | 195 | 264 | 251 | 248 |
| Profit After Tax | 417 | 741 | 560 | 617 | 578 | 541 | 644 | 642 | 546 | 610 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 417 | 741 | 560 | 617 | 578 | 541 | 644 | 642 | 546 | 610 |
| Adjusted Earnings Per Share | 48.2 | 85.5 | 64.7 | 71 | 66.6 | 62.4 | 74.2 | 73.8 | 62.8 | 70.1 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 3905 | 4131 | 4427 | 4527 | 4959 | 4861 | 4984 | 5221 | 5698 | 6373 | 6847 | 7323 |
| Other Income | 440 | 240 | 195 | 118 | 245 | 200 | 187 | 141 | 208 | 357 | 378 | 290 |
| Total Income | 4345 | 4372 | 4621 | 4646 | 5204 | 5061 | 5171 | 5362 | 5906 | 6730 | 7224 | 7612 |
| Total Expenditure | 2446 | 2549 | 2731 | 2744 | 2883 | 2655 | 2570 | 2729 | 3243 | 3605 | 3844 | 4145 |
| Operating Profit | 1899 | 1822 | 1890 | 1902 | 2321 | 2406 | 2601 | 2633 | 2663 | 3125 | 3381 | 3468 |
| Interest | 0 | 0 | 0 | 0 | 0 | 47 | 19 | 12 | 13 | 28 | 1 | 2 |
| Depreciation | 68 | 53 | 70 | 61 | 54 | 106 | 104 | 93 | 81 | 74 | 69 | 68 |
| Exceptional Income / Expenses | 0 | -22 | -63 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 1831 | 1748 | 1757 | 1840 | 2267 | 2252 | 2477 | 2528 | 2570 | 3022 | 3311 | 3398 |
| Provision for Tax | 639 | 699 | 572 | 603 | 881 | 790 | 715 | 639 | 764 | 803 | 931 | 958 |
| Profit After Tax | 1192 | 1049 | 1185 | 1237 | 1386 | 1462 | 1762 | 1889 | 1806 | 2219 | 2380 | 2442 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 1192 | 1049 | 1185 | 1237 | 1386 | 1462 | 1762 | 1889 | 1806 | 2219 | 2380 | 2442 |
| Adjusted Earnings Per Share | 140.9 | 123.9 | 139.6 | 144.9 | 161.6 | 170.3 | 204.7 | 219 | 209 | 256.3 | 274.1 | 280.9 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 7% | 9% | 7% | 6% |
| Operating Profit CAGR | 8% | 9% | 7% | 6% |
| PAT CAGR | 7% | 8% | 10% | 7% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -8% | 28% | 16% | 7% |
| ROE Average | 30% | 28% | 28% | 28% |
| ROCE Average | 41% | 39% | 38% | 40% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 3444 | 4674 | 3265 | 4707 | 4937 | 6570 | 6849 | 7100 | 7459 | 7859 | 8362 |
| 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 | 2442 | 39 | -3 | 7 | 72 | 404 | 452 | 504 | 566 | 611 | 439 |
| Total Current Liabilities | 5153 | 875 | 2624 | 1096 | 1061 | 946 | 851 | 989 | 1094 | 1280 | 1151 |
| Total Liabilities | 11039 | 5589 | 5886 | 5810 | 6070 | 7920 | 8153 | 8592 | 9119 | 9749 | 9952 |
| Fixed Assets | 911 | 865 | 860 | 827 | 854 | 953 | 874 | 861 | 837 | 795 | 786 |
| Other Non-Current Assets | 3021 | 603 | 726 | 730 | 895 | 992 | 1022 | 1089 | 1113 | 1303 | 1221 |
| Total Current Assets | 7106 | 4121 | 4301 | 4254 | 4321 | 5976 | 6257 | 6642 | 7169 | 7651 | 7946 |
| Total Assets | 11039 | 5589 | 5886 | 5810 | 6070 | 7920 | 8153 | 8592 | 9119 | 9749 | 9952 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 519 | 624 | 579 | 2591 | 806 | 1156 | 1332 | 1695 | 1680 | 2040 | 3483 |
| Cash Flow from Operating Activities | 1060 | 712 | 1121 | 1157 | 1380 | 1522 | 1920 | 1856 | 1758 | 1791 | 2199 |
| Cash Flow from Investing Activities | 3726 | 981 | 1849 | -1353 | 221 | -1384 | 46 | -167 | 137 | 1598 | -2453 |
| Cash Flow from Financing Activities | -4690 | -1776 | -931 | -1630 | -1250 | -47 | -1590 | -1733 | -1665 | -1959 | -2096 |
| Net Cash Inflow / Outflow | 97 | -83 | 2038 | -1825 | 351 | 90 | 376 | -45 | 230 | 1430 | -2350 |
| Closing Cash & Cash Equivalent | 591 | 579 | 2591 | 806 | 1156 | 1332 | 1695 | 1680 | 2040 | 3483 | 1214 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 140.91 | 123.85 | 139.56 | 144.94 | 161.62 | 170.26 | 204.72 | 219 | 209.05 | 256.28 | 274.15 |
| CEPS(Rs) | 148.96 | 130.1 | 147.82 | 152.15 | 167.88 | 182.65 | 216.82 | 229.76 | 218.39 | 264.86 | 282.11 |
| DPS(Rs) | 665 | 100 | 170 | 130 | 0 | 180 | 200 | 190 | 225 | 240 | 265 |
| Book NAV/Share(Rs) | 407.03 | 535.96 | 362.43 | 529.29 | 556.46 | 744.87 | 778.2 | 805.09 | 845.58 | 892.14 | 945.06 |
| Core EBITDA Margin(%) | 37.37 | 38.3 | 38.31 | 39.39 | 41.87 | 45.38 | 48.43 | 47.74 | 43.09 | 43.44 | 43.86 |
| EBIT Margin(%) | 46.89 | 42.3 | 39.69 | 40.65 | 45.72 | 47.31 | 50.09 | 48.65 | 45.32 | 47.86 | 48.36 |
| Pre Tax Margin(%) | 46.89 | 42.3 | 39.69 | 40.65 | 45.72 | 46.33 | 49.71 | 48.42 | 45.1 | 47.42 | 48.36 |
| PAT Margin (%) | 30.53 | 25.39 | 26.78 | 27.32 | 27.95 | 30.08 | 35.35 | 36.17 | 31.7 | 34.83 | 34.75 |
| Cash Profit Margin (%) | 32.28 | 26.67 | 28.36 | 28.68 | 29.03 | 32.27 | 37.44 | 37.95 | 33.11 | 35.99 | 35.76 |
| ROA(%) | 10.56 | 12.62 | 20.66 | 21.15 | 23.33 | 20.9 | 21.92 | 22.56 | 20.4 | 23.53 | 24.16 |
| ROE(%) | 19.51 | 26.28 | 31.12 | 32.57 | 29.84 | 26.18 | 26.91 | 27.69 | 25.35 | 29.53 | 29.88 |
| ROCE(%) | 29.96 | 43.05 | 44.26 | 46.17 | 47.01 | 39.97 | 37.21 | 36.43 | 35.48 | 39.83 | 40.83 |
| Receivable days | 59.93 | 63.29 | 63.87 | 69.55 | 71.95 | 70.31 | 63.28 | 60.43 | 64.36 | 68.8 | 66.72 |
| 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) | 23.12 | 28.48 | 27.32 | 25.81 | 20.96 | 11.94 | 15.63 | 16.4 | 15.61 | 34.2 | 28.61 |
| Price/Book(x) | 8 | 6.58 | 10.52 | 7.07 | 6.09 | 2.73 | 4.11 | 4.46 | 3.86 | 9.83 | 8.3 |
| Dividend Yield(%) | 20.41 | 2.83 | 4.46 | 3.48 | 0 | 8.86 | 6.25 | 5.29 | 6.89 | 2.74 | 3.38 |
| EV/Net Sales(x) | 6.15 | 6.56 | 6.63 | 6.47 | 5.29 | 2.67 | 4.54 | 4.95 | 3.99 | 11.04 | 9.07 |
| EV/Core EBITDA(x) | 12.64 | 14.87 | 15.53 | 15.39 | 11.3 | 5.39 | 8.7 | 9.82 | 8.54 | 22.52 | 18.38 |
| Net Sales Growth(%) | 4.37 | 5.8 | 7.15 | 2.28 | 9.53 | -1.97 | 2.52 | 4.77 | 9.13 | 11.84 | 7.43 |
| EBIT Growth(%) | -8.52 | -4.55 | 0.54 | 4.75 | 23.18 | 1.44 | 8.56 | 1.76 | 1.66 | 18.12 | 8.56 |
| PAT Growth(%) | -12.29 | -12.03 | 13.01 | 4.36 | 12.03 | 5.51 | 20.49 | 7.21 | -4.38 | 22.88 | 7.22 |
| EPS Growth(%) | -12.77 | -12.11 | 12.68 | 3.86 | 11.5 | 5.35 | 20.24 | 6.98 | -4.55 | 22.59 | 6.97 |
| Debt/Equity(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Ratio(x) | 1.38 | 4.71 | 1.64 | 3.88 | 4.07 | 6.32 | 7.35 | 6.72 | 6.55 | 5.98 | 6.9 |
| Quick Ratio(x) | 1.38 | 4.71 | 1.64 | 3.88 | 4.07 | 6.32 | 7.35 | 6.72 | 6.55 | 5.98 | 6.9 |
| Interest Cover(x) | 0 | 0 | 0 | 0 | 0 | 48.55 | 130.51 | 208.22 | 204.07 | 108.56 | 6622.8 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 72.81 | 72.78 | 72.75 | 72.71 | 72.69 | 72.62 | 72.59 | 72.56 | 72.53 | 72.46 |
| FII | 7.74 | 6.9 | 6.13 | 5.1 | 7.73 | 8.49 | 8.75 | 8.55 | 8.65 | 8.36 |
| DII | 8.56 | 9.47 | 10.27 | 11.5 | 9.91 | 9.38 | 8.69 | 8.5 | 8.45 | 8.82 |
| Public | 10.89 | 10.85 | 10.85 | 10.69 | 9.67 | 9.51 | 9.97 | 10.39 | 10.37 | 10.36 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 6.31 | 6.31 | 6.31 | 6.31 | 6.31 | 6.31 | 6.31 | 6.31 | 6.31 | 6.31 |
| FII | 0.67 | 0.6 | 0.53 | 0.44 | 0.67 | 0.74 | 0.76 | 0.74 | 0.75 | 0.73 |
| DII | 0.74 | 0.82 | 0.89 | 1 | 0.86 | 0.81 | 0.76 | 0.74 | 0.74 | 0.77 |
| Public | 0.94 | 0.94 | 0.94 | 0.93 | 0.84 | 0.83 | 0.87 | 0.9 | 0.9 | 0.9 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 8.66 | 8.66 | 8.67 | 8.67 | 8.67 | 8.68 | 8.69 | 8.69 | 8.69 | 8.7 |
* The pros and cons are machine generated.
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