Oracle Financial Services Software
OFSS NSE
Oracle Financial Services Software
Information Technology F&ONSE: OFSS BSE: 532466 Software Products
Key Fundamentals
MidcapSoftware ProductsInformation TechnologyMarket Cap
1.0L Cr
Volatility
Moderate
P/E Ratio
30
EBITDA
₹3,748 Cr
Return on Equity
33.72%
Debt to Equity
0
Book Value
₹898.74
EPS
₹269.28
52W High
₹12,540
52W Low
₹6,234.5
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
6- Company has reduced debt.
- Company is almost debt free.
- Stock is providing a good dividend yield of 3.40%.
- Company is expected to give good quarter
- Company has a good return on equity (ROE) track record: 3 Years ROE 30.3%
- Company has been maintaining a healthy dividend payout of 107%
Weaknesses
2- Stock is trading at 13.1 times its book value
- The company has delivered a poor sales growth of 9.01% over past five years.
Growth Rate
Revenue Growth
11.07% higher than
3Y
Net Income Growth
10.91% lower than
3Y
Cash Flow Change
19.98% lower than
3Y
ROE
18.48% lower than
3Y
ROCE
17.31% lower than
3Y
EBITDA Margin (Avg.)
-0.17% lower than
3Y
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 2d agoAI opinion · based on fundamentals
Risk medium
Oracle Financial Services Software Ltd (OFSS) is a ₹1,02,518 Cr market cap IT company with a strong profitability profile — 33% ROE in the last year and 42% TTM profit growth — but trades at a premium valuation of 29.8x PE and 13.0x book value, with a modest 5-year sales CAGR of just 9%.
Bull Case 8
- TTM compounded profit growth of 42% signals a sharp acceleration in earnings relative to the 5-year CAGR of 8%
- Last year ROE of 33% is well above the 10-year average of 28%, indicating improving capital efficiency
- Company is virtually debt-free, reducing financial risk and interest burden on the P&L
- Dividend yield of 3.41% is significantly above the IT sector average of ~1-2%, supported by a healthy payout ratio of 107%
- TTM revenue growth of 29% represents a meaningful step-up from the 3-year sales CAGR of 10%
- 3-year stock CAGR of 40% reflects sustained investor confidence in the business trajectory
- Consistent ROE track record averaging 29% over 5 years demonstrates durable profitability across cycles
- Debt reduction over time strengthens the balance sheet and provides flexibility for future capital allocation
Bear Case 8
- Price-to-book ratio of 13.0x is elevated, leaving limited margin of safety if growth decelerates
- 5-year compounded sales growth of only 9% suggests the core revenue base has scaled slowly relative to the valuation premium
- 10-year sales CAGR of just 6% points to structural limitations in top-line expansion over longer horizons
- PE of 29.8x prices in significant future growth; any earnings miss could trigger a de-rating
- Dividend payout ratio of 107% exceeds net profits, which may not be sustainable if earnings stall or capex needs rise
- 5-year compounded profit growth of only 8% contrasts sharply with the current TTM spike of 42%, raising questions about sustainability
- 52-week high and low data are unavailable (reported as 0), limiting visibility into recent price volatility and drawdown risk
- As an Oracle Corporation subsidiary, strategic decisions and capital allocation may prioritize the parent's interests over minority shareholders
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 2h ago Neutral 1
- New MD, CEO appointment sought Sep 02
OFSS issued a postal ballot to appoint Avadhut Ketkar as MD and Andrew Mark Morawski as Non-Executive Director. Voting opens on September 3, 2026.
TL;DR: Limited recent news flow for OFSS. The only development is a routine leadership transition seeking board approval for a new MD and a Non-Executive Director via postal ballot. No operational or financial headwinds or positives are evident from current coverage. Investors should watch for any strategic direction changes under the incoming leadership.
Quarterly Results
| Particulars | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,462 | 1,444 | 1,824 | 1,642 | 1,741 | 1,674 | 1,715 | 1,716 | 1,852 | 1,789 | 1,966 | 2,065 | 3,125 |
| Expenses | 841 | 886 | 955 | 908 | 894 | 923 | 1,001 | 952 | 1,006 | 1,034 | 1,146 | 1,009 | 1,249 |
| Operating Profit | 622 | 558 | 868 | 734 | 847 | 751 | 714 | 765 | 846 | 755 | 820 | 1,056 | 1,876 |
| OPM % | 42% | 39% | 48% | 45% | 49% | 45% | 42% | 45% | 46% | 42% | 42% | 51% | 60% |
| Other Income | 101 | 65 | 94 | 82 | 48 | 105 | 70 | 82 | 72 | 66 | 60 | 71 | 78 |
| Interest | -3 | 8 | 9 | 14 | 5 | 8 | -3 | -9 | -4 | 8 | 7 | -8 | 1 |
| Depreciation | 18 | 19 | 19 | 18 | 18 | 18 | 17 | 17 | 18 | 16 | 16 | 15 | 15 |
| PBT | 707 | 596 | 934 | 785 | 873 | 829 | 770 | 839 | 905 | 797 | 857 | 1,120 | 1,939 |
| Tax % | 29% | 30% | 21% | 29% | 29% | 30% | 30% | 23% | 29% | 32% | 29% | 25% | 27% |
| Net Profit | 501 | 417 | 741 | 560 | 617 | 578 | 541 | 644 | 642 | 546 | 610 | 842 | 1,416 |
| EPS in Rs | 57.92 | 48.2 | 85.51 | 64.62 | 71.12 | 66.6 | 62.35 | 74.13 | 73.87 | 62.82 | 70.06 | 96.71 | 163 |
Profit & Loss
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 3,905 | 4,131 | 4,427 | 4,527 | 4,959 | 4,861 | 4,984 | 5,221 | 5,698 | 6,373 | 6,847 | 7,672 | 8,945 |
| Expenses | 2,354 | 2,520 | 2,693 | 2,716 | 2,814 | 2,633 | 2,515 | 2,723 | 3,227 | 3,590 | 3,770 | 4,195 | 4,438 |
| Operating Profit | 1,551 | 1,612 | 1,734 | 1,811 | 2,145 | 2,229 | 2,469 | 2,499 | 2,471 | 2,782 | 3,076 | 3,477 | 4,508 |
| OPM % | 40% | 39% | 39% | 40% | 43% | 46% | 50% | 48% | 43% | 44% | 45% | 45% | 50% |
| Other Income | 348 | 189 | 93 | 91 | 176 | 177 | 132 | 134 | 192 | 342 | 304 | 271 | 276 |
| Interest | 0 | 0 | 0 | 0 | 0 | 47 | 19 | 12 | 13 | 28 | 0 | 2 | 8 |
| Depreciation | 68 | 53 | 70 | 61 | 54 | 106 | 104 | 93 | 81 | 74 | 69 | 65 | 62 |
| PBT | 1,831 | 1,748 | 1,757 | 1,840 | 2,267 | 2,252 | 2,477 | 2,528 | 2,570 | 3,022 | 3,311 | 3,680 | 4,713 |
| Tax % | 35% | 40% | 33% | 33% | 39% | 35% | 29% | 25% | 30% | 27% | 28% | 28% | — |
| Net Profit | 1,192 | 1,049 | 1,185 | 1,237 | 1,386 | 1,462 | 1,762 | 1,889 | 1,806 | 2,219 | 2,380 | 2,639 | 3,413 |
| EPS in Rs | 141 | 124 | 139 | 145 | 162 | 170 | 205 | 219 | 209 | 256 | 274 | 303 | 392 |
| Div. Payout % | 472% | 81% | 122% | 90% | 0% | 106% | 98% | 87% | 108% | 94% | 97% | 132% | — |
Balance Sheet
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 42 | 42 | 42 | 43 | 43 | 43 | 43 | 43 | 43 | 43 | 43 | 44 |
| Reserves | 3,402 | 4,632 | 3,222 | 4,665 | 4,894 | 6,527 | 6,806 | 7,057 | 7,416 | 7,816 | 8,319 | 7,783 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 115 | 70 | 83 | 69 | 43 | 46 | 32 |
| Other Liabilities | 2,825 | 1,011 | 2,756 | 1,225 | 1,192 | 1,236 | 1,234 | 1,409 | 1,590 | 1,848 | 1,659 | 2,017 |
| Total Liabilities | 6,269 | 5,685 | 6,020 | 5,933 | 6,128 | 7,920 | 8,153 | 8,592 | 9,119 | 9,749 | 10,067 | 9,876 |
| Fixed Assets | 911 | 865 | 870 | 837 | 864 | 963 | 884 | 871 | 847 | 805 | 796 | 782 |
| CWIP | 0 | 5 | 1 | 3 | 0 | 0 | 0 | 4 | 1 | 3 | 9 | 16 |
| Investments | 0 | 10 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 5,357 | 4,805 | 5,150 | 5,093 | 5,264 | 6,957 | 7,268 | 7,717 | 8,271 | 8,942 | 9,262 | 9,078 |
| Total Assets | 6,269 | 5,685 | 6,020 | 5,933 | 6,128 | 7,920 | 8,153 | 8,592 | 9,119 | 9,749 | 10,067 | 9,876 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 1,060 | 712 | 1,121 | 1,157 | 1,380 | 1,522 | 1,920 | 1,856 | 1,758 | 1,791 | 2,199 | 2,638 |
| Investing | 3,701 | 1,018 | 1,823 | -1,313 | 220 | -1,299 | 34 | -138 | 267 | 1,611 | -2,372 | 1,085 |
| Financing | -4,690 | -1,776 | -931 | -1,630 | -1,250 | -47 | -1,590 | -1,733 | -1,665 | -1,958 | -2,096 | -3,449 |
| Net Cash Flow | 72 | -45 | 2,013 | -1,785 | 350 | 175 | 363 | -15 | 360 | 1,443 | -2,269 | 274 |
| Free Cash Flow | 1,047 | 686 | 1,064 | 1,127 | 1,303 | 1,472 | 1,903 | 1,820 | 1,720 | 1,761 | 2,164 | 2,587 |
| CFO/OP | 116 | 88 | 106 | 98 | 109 | 103 | 107 | 102 | 99 | 93 | 109 | 105 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 56 | 73 | 59 | 81 | 70 | 69 | 59 | 65 | 69 | 76 | 63 | 64 |
| Cash Conversion Cycle | 56 | 73 | 59 | 81 | 70 | 69 | 59 | 65 | 69 | 76 | 63 | 64 |
| Working Capital Days | -151 | 41 | -112 | 41 | 32 | 40 | 36 | 37 | 39 | 48 | 45 | 37 |
| ROCE % | 30% | 44% | 46% | 46% | 47% | 40% | 37% | 36% | 35% | 40% | 41% | 45% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Oracle Financial Services Software insights
62 extracted metrics + investor summaries across FY04–FY26.
Documents
1
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
29 Apr - Allotment of 12,381 equity shares pursuant to the OFSS Stock Plan, 2014. 29 Apr - Allotment of 12,381 equity shares pursuant to the OFSS Stock Plan, 2014.
2
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
29 Apr - Allotment of 12,381 equity shares pursuant to the OFSS Stock Plan, 2014. 29 Apr - Allotment of 12,381 equity shares pursuant to the OFSS Stock Plan, 2014.
3
Announcement under Regulation 30 (LODR)-Newspaper Publication
24 Apr - Copies of the newspaper publications of financial results for the three month period and year ended March 31, 2026. 24 Apr - Copies of the newspaper publications of financial results for the three month period and year ended March 31, 2026.
4
Announcement under Regulation 30 (LODR)-Newspaper Publication
12h - Copies of the newspaper publications of financial results for the three month period and year ended March 31, 2026. 12h - Copies of the newspaper publications of financial results for the three month period and year ended March 31, 2026.
5
Communication To The Shareholders On Second Interim Dividend
23 Apr - Board declared second interim dividend of Rs 270 per share for FY26; record date May 7, 2026. 23 Apr - Board declared second interim dividend of Rs 270 per share for FY26; record date May 7, 2026.
Frequently Asked Questions about Oracle Financial Services Software
What does Oracle Financial Services Software Ltd do?
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 ...
Where is Oracle Financial Services Software Ltd (OFSS) listed?
Oracle Financial Services Software Ltd trades as OFSS on the NSE and under code 532466 on the BSE.
Which sector does Oracle Financial Services Software Ltd belong to?
Oracle Financial Services Software Ltd is classified under the Information Technology sector, in the Software Products industry.
What is the market capitalisation of Oracle Financial Services Software Ltd?
Oracle Financial Services Software Ltd has a market capitalisation of ₹1,02,518 Cr, which places it in the Large Cap band.
What is the PE ratio of Oracle Financial Services Software Ltd?
Oracle Financial Services Software Ltd trades at a PE ratio of 30.00, on earnings per share of ₹269.28, against a book value of ₹898.74 per share.
What is the 52-week high and low of Oracle Financial Services Software Ltd?
Over the last 52 weeks Oracle Financial Services Software Ltd has traded between ₹6,234.5 and ₹12,540.
Does Oracle Financial Services Software Ltd pay dividends?
Oracle Financial Services Software Ltd has a dividend yield of 3.41%.
What is the Return on Equity (ROE) of Oracle Financial Services Software Ltd?
Oracle Financial Services Software Ltd reported a return on equity of 33.72%. Its debt-to-equity ratio is 0.00.
Company Information
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]
Website oracle.com/financialservices
CEO Mr. S. Makarand Padalkar
Employees 8,045
Listed 2002-06-28
Face Value ₹ 5
Issued Size 8,70,16,901
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