Oracle Financial Services Software Ltd - Stock Valuation and Financial Performance

BSE: 532466 | NSE: OFSS | IT - Software | Mid Cap

Oracle Finl. Service Share Price

10,565.05 416.55 4.10%
as on 12-Jul'24 16:01

DeciZen - make an informed investing decision on Oracle Finl. Service

Overall Rating
Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

Oracle Financial Services Software stock performance -

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P/E Ratio (CD):
41.28
Market Cap:
91,611.5 Cr.
52-wk low:
3,780.9
52-wk high:
10,711.4

Is Oracle Financial Services Software Ltd an attractive stock to invest in?

1. Is Oracle Financial Services Software Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Oracle Financial Services Software Ltd is a good quality company.

2. Is Oracle Financial Services Software Ltd undervalued or overvalued?

The key valuation ratios of Oracle Financial Services Software Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Oracle Financial Services Software Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Oracle Financial Services Software Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

10 Year X-Ray of Oracle Finl. Service:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Oracle Financial Services Software Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good

Value Creation

Value Creation Index Colour Code Guide

Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
ROCE % 20.5%26.7%31.5%31.4%28.4%26.1%26.8%27%24.8%29.4%-
Value Creation
Index
0.81.41.81.81.51.31.41.41.21.6-

Growth Parameters

Growth Parameters Colour Code Guide

Sales 3,9054,1314,4274,5274,9594,8614,9845,2215,6986,3736,373
Sales YoY Gr.-5.8%7.2%2.3%9.5%-2%2.5%4.8%9.1%11.8%-
Adj EPS 148.1128147.3146.3159.7170.8207.1217.2207.6257.2256
YoY Gr.--13.6%15.1%-0.6%9.1%6.9%21.3%4.9%-4.4%23.9%-
BVPS (₹) 407536362.4529.3556.5744.9778.2805.1845.6891.4891
Adj Net
Profit
1,2531,0841,2511,2501,3701,4671,7831,8741,7942,2292,220
Cash Flow from Ops. 1,0607121,1211,1571,3801,5221,9201,8561,7581,791-
Debt/CF from Ops. 0000000000-

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Sales 5.6%5.2%8.5%11.8%
Adj EPS 6.3%10%7.5%23.9%
BVPS9.1%9.9%4.6%5.4%
Share Price 13.1% 26.3% 36.5% 163%

Key Financial Parameters

Performance Ratio Colour Code Guide

Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Return on
Equity %
20.526.731.531.428.425.526.626.924.629.128.7
Op. Profit
Mgn %
39.63939.139.84245.64947.943.443.743.7
Net Profit
Mgn %
32.126.228.327.627.630.235.835.931.53534.8
Debt to
Equity
00000000000
Working Cap
Days
490375161174173182176173173178201
Cash Conv.
Cycle
53576064636357556061168

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 28.70%

Sales growth is good in last 4 quarters at 11.69%

Sales growth has been subdued in last 3 years 8.54%

Net Profit has been subdued in last 3 years 7.49%

Latest Financials - Oracle Financial Services Software Ltd.

Standalone Consolidated
TTM EPS (₹) 233.9 256
TTM Sales (₹ Cr.) 4,785 6,373
BVPS (₹.) 697.9 891
Reserves (₹ Cr.) 6,008 7,683
P/BV 15.14 11.86
PE 45.18 41.28
From the Market
52 Week Low / High (₹) 3780.90 / 10711.40
All Time Low / High (₹) 216.53 / 10538.25
Market Cap (₹ Cr.) 91,611
Equity (₹ Cr.) 43.4
Face Value (₹) 5
Industry PE 35.1

Management X-Ray of Oracle Finl. Service:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Oracle Finl. Service

Adj EPS (Rs.)

Sales (Cr.)

ROE (%)

ROCE (%)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Sales3,9054,1314,4274,5274,9594,8614,9845,2215,6986,373
Operating Expenses 2,4462,5492,7312,7442,8832,6552,5702,7293,2433,605
Manufacturing Costs207185202194190179168180235297
Material Costs0000000000
Employee Cost 1,8481,9502,0702,0992,1962,1182,2022,4062,7742,983
Other Costs 390414459451497359201142234325
Operating Profit 1,4591,5821,6961,7832,0762,2062,4142,4932,4562,768
Operating Profit Margin (%) 37.4%38.3%38.3%39.4%41.9%45.4%48.4%47.7%43.1%43.4%
Other Income 440240195118245200187141208356
Interest 000004719121328
Depreciation 6853706154106104938174
Exceptional Items 0-22-630000000
Profit Before Tax 1,8311,7481,7571,8402,2672,2522,4772,5282,5703,022
Tax 639699572603881790715639764803
Profit After Tax 1,1921,0491,1851,2371,3861,4621,7621,8891,8062,219
PAT Margin (%) 30.5%25.4%26.8%27.3%27.9%30.1%35.4%36.2%31.7%34.8%
Adjusted EPS (₹)140.9123.9139.6144.9161.6170.3204.7219.0209.1256.1
Dividend Payout Ratio (%)472%81%122%90%0%106%98%87%108%94%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Shareholders Fund 3,4444,5393,0784,5174,7726,3976,6976,9447,3067,726
Share Capital 42424243434343434343
Reserves 3,4024,4973,0364,4754,7296,3546,6546,9007,2627,683
Minority Interest0000000000
Debt0000000000
Long Term Debt0000000000
Short Term Debt0000000000
Trade Payables363811655735464038102
Others Liabilities 7,5591,0122,7971,2281,2411,4881,4091,6091,7751,921
Total Liabilities 11,0395,5895,8865,8106,0707,9208,1538,5929,1199,749

Fixed Assets

Gross Block1,3921,3341,3461,3521,4031,5921,5641,5801,5981,555
Accumulated Depreciation481469486525550640690719762761
Net Fixed Assets911865860827854953874861837795
CWIP 0513000413
Investments 0000000000
Inventories0000000000
Trade Receivables6028317181,0079479258039261,0831,319
Cash Equivalents 3,5642,7853,0322,6462,8284,4974,9145,1225,4705,538
Others Assets5,9621,1021,2761,3281,4401,5451,5621,6791,7282,094
Total Assets 11,0395,5895,8865,8106,0707,9208,1538,5929,1199,749

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 1,0607121,1211,1571,3801,5221,9201,8561,7581,791
PBT 1,8311,7481,7571,8402,2672,2522,4772,5282,5703,022
Adjustment -240-8210229-13445862-14-72
Changes in Working Capital 210-251-21-8690-395-34-105-354
Tax Paid -741-703-718-625-964-772-711-700-693-806
Cash Flow From Investing Activity 3,7269811,849-1,353221-1,38446-1671371,598
Capex -13-26-57-30-76-54-19-38-38-30
Net Investments 3,1818021,745-1,372183-1,459-73-227191,379
Others 5592051614911412913797156249
Cash Flow From Financing Activity -4,690-1,776-931-1,630-1,250-47-1,590-1,733-1,665-1,958
Net Proceeds from Shares 109585959754626821
Net Proceeds from Borrowing 0000000000
Interest Paid 00000-12-8-5-5-3
Dividend Paid -4,102-1,523-848-1,447-1,112-4-1,547-1,726-1,642-1,946
Others -697-311-142-241-212-36-41-28-27-30
Net Cash Flow 97-832,038-1,82535190376-452301,430
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Ratios
ROE (%)19.5126.2831.1232.5729.8426.1826.9127.6925.3529.53
ROCE (%)29.9643.0544.2646.1747.0139.9737.2136.4335.4839.83
Asset Turnover Ratio0.350.50.770.770.830.690.620.620.640.68
PAT to CFO Conversion(x)0.890.680.950.9411.041.090.980.970.81
Working Capital Days
Receivable Days60636470727063606469
Inventory Days0000000000
Payable Days0000000000

Oracle Financial Services Software Ltd Stock News

Oracle Financial Services Software Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Oracle Finl. Service on 12-Jul-2024 16:01 is ₹10,565.1.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 12-Jul-2024 16:01 the market cap of Oracle Finl. Service stood at ₹91,611.5.
The latest P/E ratio of Oracle Finl. Service as of 12-Jul-2024 16:01 is 45.18.
The latest P/B ratio of Oracle Finl. Service as of 12-Jul-2024 16:01 is 15.14.
The 52-week high of Oracle Finl. Service is ₹10,711.4 and the 52-week low is ₹3,780.9.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Oracle Finl. Service is ₹4,785 ( Cr.) .

About Oracle Financial Services Software Ltd

Oracle Financial Services Software was incorporated in India with limited liability on September 27, 1989. The company is domiciled in Indian and has its registered office in Mumbai, Maharashtra. The company is a subsidiary of Oracle Global (Mauritius) Limited holding majority of stake in the company.

The company along with its subsidiaries is principally engaged in the business of providing information technology solutions and business processing services to the financial service industry worldwide. The company has a suite of banking products, which caters to the transaction processing and compliance need of corporate, retail, investment banking, treasury operations and data warehousing.

Business area of the company

The company offers a complete suite of integrated applications for Sales, Service, Marketing, Human Resources, Finance, Supply Chain and Manufacturing, plus Highly Automated and Secure Generation 2 Infrastructure featuring the Oracle Autonomous Database.

Products and services

INFRASTRUCTURE

Oracle Cloud Infrastructure

  • Oracle Cloud Free Tier
  • Compute
  • Storage
  • Networking
  • Analytics
  • Application Development
  • Cloud Database Services
  • Content Management
  • Integration
  • Observability and Management
  • Security, Identity, and Compliance
  • Cloud Marketplace
  • Cloud@Customer

Software

  • Oracle Database
  • Java
  • Linux
  • MySQL

Hardware

  • Exadata

Featured Products

  • Autonomous Database
  • Oracle Cloud for Government

APPLICATIONS

Cloud Applications

  • Enterprise Resource Planning
  • Enterprise Performance Management
  • Supply Chain and Manufacturing
  • Human Capital Management
  • Customer Experience (CX)
  • Data Cloud

Industry Applications

  • Banking and Insurance
  • Communications
  • Construction and Engineering
  • Food and Beverage
  • Healthcare
  • Hospitality
  • Life Sciences
  • Public Sector
  • Retail
  • Utilities

NetSuite

  • On-Premises Applications
  • Awards and recognitions

2017

  • Oracle Recognized as Category Leader in Chartis RiskTech Quadrant for Financial Crime Risk Management Systems 2017
  • Ovum Report: Oracle Provides a Window to the “Black Box” to Drive Machine Learning in Anti-Money Laundering

2018

  • Oracle and Equisoft Stand Out in Aite Group Life Insurance Claims Report
  • Oracle Recognized as Category leader in Chartis RiskTech Quadrant for Enterprise Fraud Technology 2018

2019

  • Arbuthnot Latham Wins CITY A.M. Award, Bank of the Year 2019 with Oracle Solutions
  • Oracle Led Team Optipay Wins SIBOS 2019 Hackathon
  • Oracle Retains Top Three Position and Wins Multiple Awards in Chartis RiskTech100 2020
  • Oracle Asset Liability Management (ALM) Wins Product of the Year at Asia Risk Technology Awards 2019
  • Oracle a Leader in 2019 Gartner Magic Quadrant for Global Retail Banking
  • KeyBank Wins Celent Model Bank 2019 Award
  • Oracle Recognized as a Leader in 2019 IDC Worldwide End-to-End Corporate Banking Solutions Providers
  • Novarica Market Navigator: Life / Health / Annuity New Business and Underwriting Systems
  • Oracle Wins in Five Categories While Retaining Second Position in Chartis RiskTech100® 2019
  • Oracle Recognized as Category Leader in Chartis RiskTech Quadrant® for AML/Watchlist Monitoring Solutions 2019

2020

  • Top 3 FinTech Solutions in CeFPro FinTech Leaders Ranking
  • Top 3 in RiskTech 100 2020
  • IFRS 17 Solutions Provider of the Year AsiaRisk Awards 2020
  • 2020 XCelent Awards Health Policy Administration Systems Greatest Breadth of Functionality
  • Leader in Gartner Magic Quadrant for Global Retail Banking
  • Category Leader in Chartis RiskTech Quadrant for IFRS 17 / LDTI Compliance
  • Leader in Gartner Magic Quadrant for Life Insurance Systems
  • Leader in IDC Marketscape for End-to-End Corporate Banking Solutions
  • Oracle Recognized by Chartis Research as Category Leader for IFRS 17/LDTI Compliance Solutions
  • Oracle Financial Services Wins IFRS 17 Solutions Provider of The Year at Asia Risk Technology Awards 2020
  • Oracle a Winner in Celent Health Policy Administration Systems Report
  • Novarica Market Navigator: Life / Health / Annuity Policy Administration Systems 2020
  • Oracle a Leader in 2020 Gartner Magic Quadrant for Global Retail Core Banking
  • Westpac Wins Benchmark Award, Best Finance Project, with Oracle Customer Service Solution
  • Oracle Named a Leader in the Gartner Magic Quadrant for Life Insurance Systems
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