Oracle Financial Services Software Ltd (OFSS) — Share Price, Financials & Ratios

Key Fundamentals

MidcapSoftware ProductsInformation Technology

Market Cap

₹91,598 Cr

Volatility

Moderate

P/E Ratio

36.16

EBITDA

₹3,477 Cr

Return on Equity

28.24%

Debt to Equity

0.01

Book Value

₹898.86

EPS

₹269.28

52W High

₹10,584.5

52W Low

₹6,234.5

Technical Indicators

Key Insights

Strengths

5

Company has reduced debt.
Company is almost debt free.
Stock is providing a good dividend yield of 3.82%.
Company has a good return on equity (ROE) track record: 3 Years ROE 30.3%
Company has been maintaining a healthy dividend payout of 93.1%

Weaknesses

2

Stock is trading at 11.6 times its book value
The company has delivered a poor sales growth of 9.01% over past five years.

Growth Rate

Revenue Growth

7.29% ↗

Net Income Growth

9.95% ↘

Cash Flow Change

22.80% ↗

ROE

0.78% ↘

ROCE

4.60% ↘

EBITDA Margin (Avg.)

-7.38% ↘

AI Analysis — Bull vs Bear

anthropic

claude-opus-4.6 2d ago

HOLD

Risk medium

OFSS delivers exceptional ROE of 33% and a generous 4.15% dividend yield, but trades at a premium 31.8x PE with modest single-digit sales growth of 9% over 5 years. The stock is fairly valued for a high-quality compounder, offering limited upside at current levels unless growth reaccelerates.

Bull Case 8

Exceptional return on equity of 33% in the last year, with a consistent 3-year average of 30%, indicating highly efficient capital allocation
Attractive dividend yield of 4.15% backed by a robust 93.1% payout ratio, offering reliable income in a volatile market
Company is almost debt-free, significantly reducing financial risk and interest burden on earnings
Strong 3-year stock CAGR of 36% demonstrates sustained investor confidence and re-rating potential
Compounded profit growth of 13% over 3 years outpaces sales growth, reflecting improving operational efficiency and margin expansion
10-year ROE consistency at 28% signals a durable competitive moat in the banking and financial services technology niche
100% of analysts covering the stock have a Buy rating, reflecting consensus confidence in the business model
TTM revenue growth of 12% shows acceleration from the 5-year CAGR of 9%, suggesting improving demand trends

Bear Case 8

Stock trades at 10.7x price-to-book value, a steep premium that leaves little margin of safety for new investors
5-year compounded sales growth of only 9% is underwhelming for a technology company trading at 31.8x PE
PE ratio of 31.8x is expensive relative to the modest 11% TTM profit growth, implying a PEG ratio of approximately 2.9x
10-year sales CAGR of just 6% indicates structural limitations in scaling revenue, likely due to dependence on parent Oracle Corporation
1-year stock CAGR of only 3% suggests the recent re-rating cycle may have peaked, with limited near-term upside
Only 1 analyst actively covers the stock, resulting in thin research coverage and potential liquidity risk for institutional investors
93.1% dividend payout leaves minimal retained earnings for organic reinvestment or acquisitions to drive future growth
High parent company dependence on Oracle Corporation creates concentration risk in customer base and strategic decision-making

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

AI News Digest

anthropic

claude-opus-4.6 2d ago

Neutral 2

37th AGM set for July 23 Jun 10

OFSS approved its 37th AGM on July 23, 2026 via video conferencing. Book closure runs from July 17 to July 23, 2026.
₹59 Cr block trade on NSE Jun 2

Approximately 57,456 shares traded at ₹10,268 per share in a single block deal worth ₹59 crores, indicating institutional participation.

TL;DR: OFSS has had a quiet news cycle with no material positive catalysts or headwinds emerging. The ₹59 Cr block trade at ₹10,268/share suggests steady institutional interest without signaling directional conviction. With only routine corporate governance events on the calendar, the near-term narrative remains driven by broader IT sector sentiment and quarterly earnings expectations.

Quarterly Results

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Sales	1,471	1,462	1,444	1,824	1,642	1,741	1,674	1,715	1,716	1,852	1,789	1,966	2,065
Expenses	820	841	886	955	908	894	923	1,001	952	1,006	1,034	1,146	1,009
Operating Profit	651	622	558	868	734	847	751	714	765	846	755	820	1,056
OPM %	44%	42%	39%	48%	45%	49%	45%	42%	45%	46%	42%	42%	51%
Other Income	61	101	65	94	82	48	105	70	82	72	66	60	71
Interest	8	-3	8	9	14	5	8	-3	-9	-4	8	7	-8
Depreciation	19	18	19	19	18	18	18	17	17	18	16	16	15
PBT	686	707	596	934	785	873	829	770	839	905	797	857	1,120
Tax %	30%	29%	30%	21%	29%	29%	30%	30%	23%	29%	32%	29%	25%
Net Profit	479	501	417	741	560	617	578	541	644	642	546	610	842
EPS in Rs	55.48	57.92	48.2	85.51	64.62	71.12	66.6	62.35	74.13	73.87	62.82	70.06	96.71

Show % Change

Figures in ₹ Crores

Profit & Loss

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
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
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
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
OPM %	40%	39%	39%	40%	43%	46%	50%	48%	43%	44%	45%	45%
Other Income	348	189	93	91	176	177	132	134	192	342	304	271
Interest	0	0	0	0	0	47	19	12	13	28	0	2
Depreciation	68	53	70	61	54	106	104	93	81	74	69	65
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
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
EPS in Rs	141	124	139	145	162	170	205	219	209	256	274	303
Div. Payout %	472%	81%	122%	90%	0%	106%	98%	87%	108%	94%	97%	89%

Show % Change

Figures in ₹ Crores

Balance Sheet

	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	2,075
Total Liabilities	6,269	5,685	6,020	5,933	6,128	7,920	8,153	8,592	9,119	9,749	10,067	9,934
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	9,136
Total Assets	6,269	5,685	6,020	5,933	6,128	7,920	8,153	8,592	9,119	9,749	10,067	9,934

Show % Change

Figures in ₹ Crores

Cash Flow

	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	936
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	126
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

Show % Change

Figures in ₹ Crores

Ratios

	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%

Show % Change

Shareholding Pattern

	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 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%
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%
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%
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%
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%
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%
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

Show % Change

Documents

1

Financial Results For The Quarter And Nine Months Ended December 31 2025. 21 Jan 2026

2

Results For The Quarter And Half Year Ended September 30 2025 17 Oct 2025

3

Financial Results For The Quarter Ended June 30 2025 23 Jul 2025

4

Results For The Quarter And Year Ended March 31 2025 25 Apr 2025

5

Results For The Quarter And Nine-Month Period Ended December 31 2024 15 Jan 2025

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 IT - Software 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 ₹91598.24 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 36.16. 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 ₹10,584.5. 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 3.82%. 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 28.24%. 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.