Oracle Financial Services Software Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2024 • Products: 91.9% • Services: 8.1%
AI Sector View
AI GENERATEDInformation Technology
IT is supported by a still-expanding services backdrop and a weaker rupee. Export of services grew 13.0% YoY (2026-06), services PMI was 54.1 (Aug/26), and the currency at 95.23 (Sep/26) is depreciated versus the previous 95.16, which helps INR translation of export revenues. FPI positioning is only neutral-to-soft with net 3-month flow of INR -5 crore to 2026-08-31, so the positive stance is primarily macro-driven.
PROS
- Company is almost debt free
- Company has a healthy return on capital (ROCE) of 51.9%
- Company has a good return on equity (ROE) track record: 3 Years ROE 41.0%
- Latest quarter profit grew 132.2% YoY, showing strong momentum
- Company has a consistent dividend-paying track record
- Working capital cycle has improved - days down from 405 to 326
CONS
- Stock is trading at 8.6x its book value
- Operating margins have contracted to 50.4% from 56.5%
- Dividend payout exceeds earnings (125.4%) - may be unsustainable
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| TCS | 2202.00 | 16.00 | 796702.87 | 5.00 | 13420.00 | 4.69 | 72275.00 | 13.93 | 66.25 | 25.67 |
| INFY | 1038.20 | 13.91 | 421325.69 | 4.62 | 7775.00 | 12.29 | 48211.00 | 14.03 | 42.84 | 23.66 |
| HCLTECH | 1207.00 | 18.80 | 327539.38 | 4.47 | 4626.00 | 20.34 | 34579.00 | 13.94 | 31.20 | 19.87 |
| WIPRO | 167.50 | 12.55 | 165902.38 | 6.57 | 3356.30 | 0.59 | 24478.60 | 10.59 | 18.49 | 18.93 |
| TECHM | 1539.50 | 29.38 | 150891.59 | 3.31 | 1486.30 | 31.67 | 15711.90 | 17.68 | 23.04 | 17.43 |
| LTM | 4301.15 | 24.39 | 127581.28 | 1.74 | 1468.60 | 17.06 | 11608.00 | 17.96 | 30.25 | 17.75 |
| OFSS | 11760.00 | 30.01 | 102409.76 | 3.40 | 1415.50 | 120.52 | 3125.20 | 68.73 | 45.50 | 60.04 |
| PERSISTENT | 5537.45 | 45.42 | 87353.27 | 0.72 | 483.04 | 13.67 | 4303.23 | 29.09 | 35.09 | 16.19 |
| COFORGE | 1847.40 | 46.58 | 81835.77 | 0.86 | 531.70 | 49.19 | 5527.70 | 49.86 | 24.70 | 19.14 |
| MPHASIS | 2294.10 | 22.92 | 43790.98 | 2.70 | 489.51 | 10.82 | 4384.05 | 17.46 | 23.31 | 18.15 |
| LTTS | 3334.95 | 26.80 | 35379.24 | 1.74 | 357.10 | 12.97 | 2940.10 | 11.47 | 27.70 | 18.65 |
| TATATECH | 761.75 | 55.53 | 30931.00 | 1.54 | 180.75 | 6.15 | 1664.63 | 33.78 | 19.56 | 16.64 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,117 | 1,080 | 1,375 | 1,213 | 1,295 | 1,209 | 1,305 | 1,290 | 1,397 | 1,301 | 1,453 | 1,566 | 2,567 | |
| 564 | 581 | 589 | 603 | 592 | 606 | 664 | 612 | 661 | 719 | 704 | 643 | 808 | |
| Operating Profit | 553 | 499 | 786 | 610 | 703 | 602 | 641 | 677 | 736 | 582 | 749 | 924 | 1,759 |
| OPM % | 49.53% | 46.25% | 57.16% | 50.29% | 54.29% | 49.83% | 49.13% | 52.52% | 52.67% | 44.70% | 51.55% | 58.96% | 68.51% |
| 76 | 38 | 80 | 56 | 33 | 88 | 46 | 1,580 | 71 | 55 | 64 | 490 | 62 | |
| Interest | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 1 |
| Depreciation | 14 | 15 | 15 | 15 | 15 | 16 | 14 | 14 | 15 | 14 | 14 | 13 | 12 |
| Profit before Tax | 614 | 522 | 850 | 650 | 721 | 674 | 673 | 2,242 | 791 | 622 | 799 | 1,400 | 1,821 |
| Tax % | 25.86% | 24.55% | 17.68% | 26.30% | 25.68% | 26.26% | 28.34% | 18.13% | 25.76% | 25.58% | 23.16% | 20.62% | 25.12% |
| Net Profit | 455 | 394 | 700 | 479 | 536 | 497 | 482 | 1,836 | 587 | 463 | 614 | 1,111 | 1,364 |
| 52.62 | 45.50 | 80.83 | 55.31 | 61.82 | 57.32 | 55.55 | 211.37 | 67.58 | 53.23 | 70.55 | 127.68 | 156.63 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 3,736 | 3,862 | 3,581 | 3,526 | 3,645 | 3,896 | 4,256 | 4,784 | 5,099 | 5,717 | 6,887 | |
| 2,405 | 2,433 | 1,752 | 1,622 | 1,519 | 1,711 | 2,119 | 2,338 | 2,517 | 2,835 | 2,874 | |
| Operating Profit | 1,331 | 1,429 | 1,829 | 1,904 | 2,126 | 2,185 | 2,137 | 2,446 | 2,582 | 2,881 | 4,013 |
| OPM % | 35.62% | 37.00% | 51.08% | 54.00% | 58.33% | 56.08% | 50.21% | 51.13% | 50.63% | 50.40% | 58.27% |
| 418 | 115 | 208 | 196 | 147 | 262 | 268 | 252 | 1,789 | 788 | 671 | |
| Interest | 0 | 0 | 0 | 8 | 5 | 3 | 3 | 2 | 1 | 2 | 2 |
| Depreciation | 67 | 57 | 50 | 83 | 80 | 68 | 58 | 60 | 60 | 56 | 53 |
| Profit before Tax | 1,683 | 1,487 | 1,986 | 2,009 | 2,188 | 2,376 | 2,343 | 2,636 | 4,310 | 3,611 | 4,641 |
| Tax % | 23.45% | 32.34% | 35.44% | 21.21% | 25.07% | 23.78% | 24.36% | 23.07% | 22.26% | 23.16% | 23.49% |
| Net Profit | 1,288 | 1,006 | 1,282 | 1,583 | 1,639 | 1,811 | 1,773 | 2,028 | 3,351 | 2,775 | 3,551 |
| EPS | 151.06 | 117.21 | 149.01 | 183.62 | 189.80 | 209.08 | 204.37 | 234.17 | 386.03 | 318.92 | — |
| Dividend Payout % | 112.32% | 110.38% | 0.00% | 97.67% | 105.00% | 90.47% | 109.67% | 102.49% | 68.65% | 125.42% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 5%
- 5 Years:
- 9%
- 3 Years:
- 10%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 12%
- 5 Years:
- 11%
- 3 Years:
- 16%
STOCK PRICE CAGR
- 10 Years:
- 13%
- 5 Years:
- 20%
- 3 Years:
- 40%
- 1 Year:
- 29%
RETURN ON EQUITY
- 10 Years:
- 36%
- 5 Years:
- 37%
- 3 Years:
- 41%
- Last Year:
- 39%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 43 | 43 | 43 | 43 | 43 | 43 | 43 | 43 | 43 | 44 |
| 2,447 | 3,574 | 3,673 | 5,293 | 5,452 | 5,603 | 5,809 | 6,008 | 7,359 | 6,793 | |
| 16 | 16 | 12 | 28 | 25 | 53 | 30 | 11 | 23 | 17 | |
| Trade Payables | 8 | 56 | 42 | 27 | 18 | 16 | 24 | 20 | 22 | 26 |
| 2,479 | 856 | 634 | 602 | 568 | 632 | 628 | 675 | 754 | 826 | |
| Total Liabilities | 4,992 | 4,545 | 4,404 | 5,993 | 6,104 | 6,347 | 6,534 | 6,758 | 8,201 | 7,706 |
| 243 | 211 | 239 | 284 | 222 | 217 | 198 | 166 | 164 | 153 | |
| Capital Work in Progress | 1 | 2 | 0 | 0 | 0 | 4 | 0 | 2 | 9 | 15 |
| 755 | 778 | 765 | 768 | 773 | 790 | 791 | 791 | 792 | 809 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 820 | 860 | 990 | |
| Cash & Bank | 2,438 | 1,880 | 1,706 | 3,254 | 3,330 | 3,406 | 3,454 | 3,288 | 4,809 | 4,126 |
| 1,556 | 1,674 | 1,693 | 1,687 | 1,780 | 1,930 | 2,091 | 1,691 | 1,568 | 1,614 | |
| Total Assets | 4,992 | 4,545 | 4,404 | 5,993 | 6,104 | 6,347 | 6,534 | 6,758 | 8,201 | 7,706 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1,284 | 1,559 | 1,837 | 2,026 | 2,127 | 2,202 | 2,138 | 1,644 | 1,961 | 2,129 | |
| Cash from Investing | 2,182 | -1,291 | 275 | -1,531 | 52 | 6 | 161 | 1,525 | -1,025 | 1,297 |
| Cash from Financing | -925 | -1,668 | -1,267 | -33 | -1,570 | -1,713 | -1,651 | -1,943 | -2,087 | -3,441 |
| 1,961 | -1,892 | 60 | -80 | 27 | -108 | 16 | 1,225 | -1,151 | -16 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-05 - Oracle Financial Services Software Limited has informed the Exchange about General Updates
2026-09-03 - Oracle Financial Services Software Limited has informed the Exchange about copies of Newspaper Publication published by the Company confirming dispatch of the postal ballot notice.
2026-09-02 - Oracle Financial Services Software Limited has informed the Exchange regarding Notice of Postal Ballot
2026-08-19 - Oracle Financial Services Software Limited has informed the Exchange regarding 'Allotment of 7,617 equity shares pursuant to the OFSS Stock Plan, 2014'.
2026-08-10 - Oracle Financial Services Software Limited has informed the Exchange regarding 'Allotment of 6,411 OFSS Stock Units (OSUs) and 465 Stock Options under OFSS Stock Plan 2014.'.
2026-08-05 - Oracle Financial Services Software Limited has informed the Exchange regarding 'Transcript of the 37th Annual General Meeting held on Thursday, July 23, 2026'.
2026-07-27 - Oracle Financial Services Software Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 23, 2026. Further, the company has informed the Exchange regarding voting results.
2026-07-24 - Oracle Financial Services Software Limited has informed the Exchange about copies of Newspaper Publications of financial results for the three month period ended June 30, 2026
2026-07-23 - Oracle Financial Services Software Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 23, 2026
News
Recent coverage and analyst commentary for OFSS
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