Oracle Financial Services Software Ltd logo

Oracle Financial Services Software Ltd

OFSS NSE

Key Fundamentals

MidcapSoftware ProductsInformation Technology
Market Cap
1.0L Cr
Volatility
Moderate
P/E Ratio
29.74
EBITDA
₹3,748 Cr
Return on Equity
33.72%
Debt to Equity
0
Book Value
₹898.82
EPS
₹269.28
52W High
₹11,979
52W Low
₹6,234.5

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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28 extracted metrics + investor summaries across FY15–FY26.

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Tapetide Score

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Technical Indicators

Key Insights

Strengths

6
  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is providing a good dividend yield of 3.39%.
  • 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% ↘
Net Income Growth
10.91% ↘
Cash Flow Change
19.98% ↗
ROE
18.48% ↘
ROCE
17.31% ↘
EBITDA Margin (Avg.)
-0.17% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 5d ago
AI opinion · based on fundamentals
Risk medium

Oracle Financial Services Software Ltd is a debt-free IT company with a market cap of Rs 101,212 Cr, trading at a PE of 29.7x and delivering a strong ROE of 33% in the last year. TTM sales growth has accelerated to 29% and profit growth to 42%, though the 5-year sales CAGR remains modest at 9%.

Bull Case 8
  • Company is virtually debt-free, providing financial flexibility and low balance sheet risk
  • Last year ROE of 33% and 3-year average ROE of 30% indicate consistently high capital efficiency
  • TTM profit growth of 42% signals a significant acceleration in earnings momentum
  • TTM sales growth of 29% represents a sharp improvement over the 5-year CAGR of 9%
  • Dividend yield of 3.42% is attractive for an IT company, supported by a healthy payout ratio of 107%
  • 10-year ROE track record averaging 28% demonstrates sustained competitive advantages in banking software
  • Stock CAGR of 43% over 3 years reflects strong market re-rating of the business
  • Compounded profit growth of 13% over 3 years outpaces sales growth of 10%, indicating margin expansion
Bear Case 8
  • Stock trades at 13.0x book value, which is elevated and leaves limited margin of safety
  • 5-year compounded sales growth of only 9% suggests the core business has historically grown slowly
  • 10-year sales CAGR of just 6% points to a structurally low-growth revenue base over long periods
  • PE of 29.7x prices in significant future growth, creating vulnerability to earnings misses
  • Dividend payout ratio of 107% exceeds net profit, which may not be sustainable long-term without earnings growth
  • 1-year stock CAGR of 36% has run ahead of the 10-year earnings CAGR of 9%, suggesting stretched valuations
  • 5-year compounded profit growth of only 8% indicates the recent 42% TTM spike may not be the norm
  • As a subsidiary of Oracle Corp, minority shareholders have limited influence on capital allocation and strategy decisions

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 17h ago
Headwinds 1
  • CEO retirement amid transition Aug 5

    CEO Makarand Padalkar retired effective July 24, 2026, creating leadership transition risk as CFO Avadhut Ketkar steps into the dual MD & CEO role.

Positives 3
  • Q1FY27 profit surges 120% YoY Jul 23

    Net profit jumped 120% YoY to ₹14.16 billion in Q1FY27 with revenue rising to ₹31.25 billion, driven by a significant license agreement. EBITDA margin expanded to 60.04%.

  • Strong FY26 revenue growth Aug 5

    OFSS reported 12% revenue growth to ₹76.7 billion in FY26, demonstrating consistent top-line momentum.

  • Generous dividend of ₹400/share Jul 23

    Shareholders approved a final dividend of ₹400 per share at the 37th AGM on July 23, 2026, reflecting strong cash generation.

Neutral 1
  • AGM approves financials smoothly Jul 23

    The 37th AGM on July 23, 2026 concluded with shareholders approving financial statements and routine resolutions without any reported dissent.

TL;DR: OFSS delivered an exceptional Q1FY27 with 120% profit growth and a 60% EBITDA margin, backed by solid FY26 revenue growth of 12% to ₹76.7 billion. The generous ₹400/share dividend signals confidence in cash flows. The key watch item is the CEO transition from Padalkar to Ketkar, though internal succession from the CFO role suggests continuity. The trend is strongly positive on financials, with execution under new leadership being the near-term variable.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
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%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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%

Shareholding Pattern

As of Jun 2026
Promoters 72.41%
FIIs 9.70%
DIIs 8.79%
Public 6.72%
Others 2.38%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
73.26%
73.21%
73.15%
73.12%
73.11%
73.02%
73.00%
72.99%
72.98%
72.90%
72.81%
72.78%
72.75%
72.71%
72.69%
72.62%
72.59%
72.56%
72.53%
72.46%
72.44%
72.41%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
6.90%
6.13%
5.10%
7.73%
8.49%
8.75%
8.55%
8.65%
8.36%
8.04%
9.70%
DIIs
7.87%
8.20%
8.76%
9.11%
9.01%
9.12%
5.55%
9.17%
8.52%
4.15%
4.23%
9.47%
10.26%
11.49%
9.91%
9.37%
8.69%
8.49%
8.45%
8.82%
9.12%
8.79%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.01%
0.01%
0.00%
0.00%
0.01%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
6.00%
6.38%
6.94%
7.12%
7.35%
7.77%
8.05%
8.35%
8.16%
7.64%
7.53%
7.60%
7.42%
7.40%
7.30%
7.15%
7.54%
7.77%
7.80%
7.99%
7.77%
6.72%
Others
12.86%
12.20%
11.14%
10.65%
10.53%
10.08%
13.39%
9.49%
10.33%
15.31%
15.42%
3.25%
3.44%
3.29%
2.37%
2.36%
2.43%
2.63%
2.57%
2.37%
2.62%
2.38%
No. of Shareholders
48,571
58,399
75,502
85,205
99,008
1,09,703
1,19,366
1,22,183
1,15,980
1,07,100
1,01,790
99,707
1,10,913
1,13,108
1,25,917
1,20,122
1,25,986
1,29,286
1,38,142
1,41,515
1,41,643
1,25,043

Documents

Frequently Asked Questions about Oracle Financial Services Software Ltd

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 is listed on the Indian stock exchanges. It is listed on NSE: OFSS and BSE: 532466. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Oracle Financial Services Software Ltd belong to?
Oracle Financial Services Software Ltd operates in the Information Technology sector within the Software Products industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Oracle Financial Services Software Ltd?
Oracle Financial Services Software Ltd has a market capitalisation of approximately ₹102857.80 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Oracle Financial Services Software Ltd?
The Price-to-Earnings (PE) ratio of Oracle Financial Services Software Ltd is 29.74. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Oracle Financial Services Software Ltd?
Over the past 52 weeks, Oracle Financial Services Software Ltd has traded between a low of ₹6,234.5 and a high of ₹11,979. This range helps investors understand the stock's price volatility and recent trading levels.
Does Oracle Financial Services Software Ltd pay dividends?
Yes, Oracle Financial Services Software Ltd has a dividend yield of 3.39%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Oracle Financial Services Software Ltd?
Oracle Financial Services Software Ltd has a Return on Equity (ROE) of 33.72%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Oracle Financial Services Software Ltd on Tapetide?
On Tapetide, you can view Oracle Financial Services Software Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

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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