Oracle Finl. Service

₹7558 -14.9 | 0.2%

WEBSITE BSE:532466 NSE : ORACLE FIN 13 May, 09:07

Market Cap ₹65534 Cr.

Stock P/E 29.5

P/B 8.3

Current Price ₹7558

Book Value ₹ 906.4

Face Value 5

52W High ₹9021.4

Dividend Yield 3.18%

52W Low ₹ 3497.2

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.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Net Sales	1266	1277	1402	1376	1449	1471	1462	1444	1824	1642
Other Income	36	42	51	46	47	64	104	65	103	93
Total Income	1302	1319	1454	1422	1497	1535	1566	1510	1926	1735
Total Expenditure	682	725	755	809	850	823	841	886	964	918
Operating Profit	620	594	699	612	647	712	725	623	963	817
Interest	3	4	0	5	7	8	0	8	9	14
Depreciation	24	20	20	22	21	19	18	19	19	18
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	593	570	679	585	620	686	707	596	934	785
Provision for Tax	158	88	187	188	182	206	206	179	193	225
Profit After Tax	435	482	492	398	437	479	501	417	741	560
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	435	482	492	398	437	479	501	417	741	560
Adjusted Earnings Per Share	50.5	55.9	57	46.1	50.6	55.5	57.9	48.2	85.5	64.6

Oracle Finl. Service Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Net Sales	3474	3741	3905	4131	4427	4527	4959	4861	4984	5221	5698	6372
Other Income	495	674	440	240	195	118	245	200	187	141	208	365
Total Income	3969	4415	4345	4372	4621	4646	5204	5061	5171	5362	5906	6737
Total Expenditure	2290	2342	2446	2549	2731	2744	2883	2655	2570	2729	3243	3609
Operating Profit	1679	2073	1899	1822	1890	1902	2321	2406	2601	2633	2663	3128
Interest	0	0	0	0	0	0	0	47	19	12	13	31
Depreciation	66	72	68	53	70	61	54	106	104	93	81	74
Exceptional Income / Expenses	0	0	0	-22	-63	0	0	0	0	0	0	0
Profit Before Tax	1613	2001	1831	1748	1757	1840	2267	2252	2477	2528	2570	3022
Provision for Tax	538	642	639	699	572	603	881	790	715	639	764	803
Profit After Tax	1075	1359	1192	1049	1185	1237	1386	1462	1762	1889	1806	2219
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	1075	1359	1192	1049	1185	1237	1386	1462	1762	1889	1806	2219
Adjusted Earnings Per Share	127.9	161.5	140.9	123.9	139.6	144.9	161.6	170.3	204.7	219	209	256.2

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	9%	5%	5%	5%
Operating Profit CAGR	1%	3%	7%	5%
PAT CAGR	-4%	7%	8%	5%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	114%	27%	17%	10%
ROE Average	25%	27%	27%	25%
ROCE Average	35%	36%	39%	37%

Oracle Finl. Service Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	7406	8777	3444	4674	3265	4707	4937	6570	6849	7100	7459
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	1359	1931	2442	39	-3	7	72	404	452	504	566
Total Current Liabilities	919	844	5153	875	2624	1096	1061	946	851	989	1094
Total Liabilities	9684	11552	11039	5589	5886	5810	6070	7920	8153	8592	9119
Fixed Assets	995	954	911	865	860	827	854	953	874	861	837
Other Non-Current Assets	1964	2439	3021	603	726	730	895	992	1022	1089	1113
Total Current Assets	6725	8159	7106	4121	4301	4254	4321	5976	6257	6642	7169
Total Assets	9684	11552	11039	5589	5886	5810	6070	7920	8153	8592	9119

Oracle Finl. Service Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	515	504	519	624	579	2591	806	1156	1332	1695	1680
Cash Flow from Operating Activities	1134	673	1060	712	1121	1157	1380	1522	1920	1856	1758
Cash Flow from Investing Activities	-1174	-649	3726	981	1849	-1353	221	-1384	46	-167	137
Cash Flow from Financing Activities	15	14	-4690	-1776	-931	-1630	-1250	-47	-1590	-1733	-1665
Net Cash Inflow / Outflow	-25	38	97	-83	2038	-1825	351	90	376	-45	230
Closing Cash & Cash Equivalent	504	519	591	579	2591	806	1156	1332	1695	1680	2040

Oracle Finl. Service Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	127.89	161.55	140.91	123.85	139.56	144.94	161.62	170.26	204.72	219	209.05
CEPS(Rs)	135.68	170.06	148.96	130.1	147.82	152.15	167.88	182.65	216.82	229.76	218.39
DPS(Rs)	0	0	665	100	170	130	0	180	200	190	225
Book NAV/Share(Rs)	881.03	1043.04	407.03	535.96	362.43	529.29	556.46	744.87	778.2	805.09	845.58
Core EBITDA Margin(%)	34.09	37.4	37.37	38.3	38.31	39.39	41.87	45.38	48.43	47.74	43.09
EBIT Margin(%)	46.44	53.49	46.89	42.3	39.69	40.65	45.72	47.31	50.09	48.65	45.32
Pre Tax Margin(%)	46.44	53.49	46.89	42.3	39.69	40.65	45.72	46.33	49.71	48.42	45.1
PAT Margin (%)	30.95	36.33	30.53	25.39	26.78	27.32	27.95	30.08	35.35	36.17	31.7
Cash Profit Margin (%)	32.83	38.25	32.28	26.67	28.36	28.68	29.03	32.27	37.44	37.95	33.11
ROA(%)	12.04	12.8	10.56	12.62	20.66	21.15	23.33	20.9	21.92	22.56	20.4
ROE(%)	15.67	16.8	19.51	26.28	31.12	32.57	29.84	26.18	26.91	27.69	25.35
ROCE(%)	23.51	24.73	29.96	43.05	44.26	46.17	47.01	39.97	37.21	36.43	35.48
Receivable days	85.38	68.72	59.93	63.29	63.87	69.55	71.95	70.31	63.28	60.43	64.36
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)	19.97	19.1	23.12	28.48	27.32	25.81	20.96	11.94	15.63	16.4	15.61
Price/Book(x)	2.9	2.96	8	6.58	10.52	7.07	6.09	2.73	4.11	4.46	3.86
Dividend Yield(%)	0	0	20.41	2.83	4.46	3.48	0	8.86	6.25	5.29	6.89
EV/Net Sales(x)	4.61	5.16	6.15	6.56	6.63	6.47	5.29	2.67	4.54	4.95	3.99
EV/Core EBITDA(x)	9.53	9.31	12.64	14.87	15.53	15.39	11.3	5.39	8.7	9.82	8.54
Net Sales Growth(%)	10.4	7.69	4.37	5.8	7.15	2.28	9.53	-1.97	2.52	4.77	9.13
EBIT Growth(%)	13.85	24.05	-8.52	-4.55	0.54	4.75	23.18	1.44	8.56	1.76	1.66
PAT Growth(%)	18.24	26.43	-12.29	-12.03	13.01	4.36	12.03	5.51	20.49	7.21	-4.38
EPS Growth(%)	18.11	26.31	-12.77	-12.11	12.68	3.86	11.5	5.35	20.24	6.98	-4.55
Debt/Equity(x)	0	0	0	0	0	0	0	0	0	0	0
Current Ratio(x)	7.32	9.67	1.38	4.71	1.64	3.88	4.07	6.32	7.35	6.72	6.55
Quick Ratio(x)	7.32	9.67	1.38	4.71	1.64	3.88	4.07	6.32	7.35	6.72	6.55
Interest Cover(x)	0	0	0	0	0	0	0	48.55	130.51	208.22	204.07
Total Debt/Mcap(x)	0	0	0	0	0	0	0	0	0	0	0

Oracle Finl. Service Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	73.12	73.11	73.02	73	72.99	72.98	72.9	72.81	72.78	72.75
FII	8.25	7.98	7.45	7.22	6.75	7.44	7.79	7.74	6.9	6.13
DII	9.28	9.31	9.43	9.36	9.17	8.53	8.47	8.56	9.47	10.27
Public	9.34	9.61	10.1	10.42	11.09	11.06	10.85	10.89	10.85	10.85
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	6.31	6.31	6.31	6.31	6.31	6.31	6.31	6.31	6.31	6.31
FII	0.71	0.69	0.64	0.62	0.58	0.64	0.67	0.67	0.6	0.53
DII	0.8	0.8	0.81	0.81	0.79	0.74	0.73	0.74	0.82	0.89
Public	0.81	0.83	0.87	0.9	0.96	0.96	0.94	0.94	0.94	0.94
Others	0	0	0	0	0	0	0	0	0	0
Total	8.62	8.62	8.63	8.64	8.64	8.64	8.65	8.66	8.66	8.67

Pros

Company has a good return on equity (ROE) track record: 3 Years ROE 27%
Company is almost debt free.

Cons

Stock is trading at 8.3 times its book value.
The company has delivered a poor profit growth of 7% 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.