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About
Nucleus Software Exports Ltd (NUCLEUS)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531209 NSE: NUCLEUS IT - Software | Small Cap | Nucleus Software Exp Share Price
₹698.65 -2.10 (-0.30%)
As on 11-Sep'26 16:59
Nucleus Software Exports Ltd (NUCLEUS)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531209 NSE: NUCLEUS IT - Software | Small Cap | Nucleus Software Exp Share Price
₹698.65 -2.10 (-0.30%)
As on 11-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹1,839 Cr.
Current Price
₹698.7
52-Week Low / High
₹682 / 1,081
TTM EPS
₹40
TTM Sales
₹869 Cr.
Book Value per Share
₹353.8
P/E Ratio
17.45
Lower than its 5-year historical median
Industry PE
20.8
Price to Book (P/B)
1.97
Lower than its 5-year historical median
Price to Sales (P/S)
2.12
Lower than its 5-year historical median
EV/EBITDA
10.49
Lower than its 5-year historical median
Dividend Yield
1.79%
Profitability Efficiency
Return on Equity (ROE)
13.56%
Outperforms industry median
Return on Capital Employed (ROCE)
17.57%
Outperforms industry median
Return on Assets (ROA)
9.65%
Operating Profit Margin
14.3%
Net Profit Margin
13.33%
Gross Profit Margin
21.5%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Sales Growth (1 Year)
Slowing versus 3-year growth rate
4.85%
Operating Profit Growth (1 Year)
Slowing versus 3-year growth rate
-24.7%
Net Profit Growth (1 Year)
Slowing versus 3-year growth rate
-28.38%
Asset Quality
Promoter Holding
73.60%
Pledged shares (%) of Promoter's holding (%)
0.00%
Reserves
₹905 Cr.
Equity
₹26.3 Cr.
Face Value
₹10
All Time Low / High
₹1.42 / 1830.00
Check Before You Invest
Quality
Very GoodValuation
Somewhat UndervaluedCheck Valuation charts
Price Trend
Semi Strong
Is Nucleus Software Exports Ltd a good quality company?
Nucleus Software Exports Ltd is a good quality company, based on a consistently good multi-year financial track record.
This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.
-
How efficiently has it utilized Capital?
By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.
-
How is it managing its Debt?
By checking its Debt to Equity and Cash Flow from Operations.
How does Nucleus Software Exports Ltd performance compare with that of its Peers?
Revenue growth of Nucleus Software Exports Ltd vs industry peers?
Nucleus Software Exports Ltd revenue CAGR is 11.27%, compared to the industry median CAGR of 0%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of Nucleus Software Exports Ltd?
Promoters hold 73.60% of the Nucleus Software Exports Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Nucleus Software Exports Ltd over the last decade?
Over the last 9 year(s), the stock has delivered a CAGR of 14.4% based on the current price.
10 Year X-Ray :
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 endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
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.
Nucleus Software Exports Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good
Value Creation ⓘ
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROCE % ⓘ | 12.5% | 17.1% | 21.1% | 25.7% | 24.8% | 10.3% | 33% | 37.4% | 28.2% | 18.2% | - |
| Value Creation Index ⓘ | -0.1 | 0.2 | 0.5 | 0.8 | 0.8 | -0.3 | 1.4 | 1.7 | 1.0 | 0.3 | - |
Growth Parameters ⓘ |
|||||||||||
| Sales ⓘ | 299 | 337 | 397 | 444 | 454 | 448 | 585 | 766 | 769 | 806 | 799 |
| Sales YoY Gr. | - | 12.7% | 17.6% | 12% | 2.3% | -1.4% | 30.5% | 31% | 0.3% | 4.9% | - |
| Adj EPS ⓘ | 16 | 22.6 | 26.6 | 33.8 | 38.5 | 15.3 | 47.6 | 60.9 | 51.2 | 41.9 | 38.6 |
| YoY Gr. | - | 41.1% | 17.9% | 27% | 13.7% | -60.3% | 211.5% | 28% | -15.9% | -18.2% | - |
| BVPS (₹) ⓘ | 151.5 | 144.6 | 161.9 | 186.6 | 222.8 | 175.3 | 219.6 | 279.8 | 297.5 | 332.2 | 341 |
| Adj Net Profit ⓘ | 51.8 | 65.6 | 77.4 | 98.2 | 112 | 40.9 | 127 | 163 | 135 | 110 | 102 |
| Cash Flow from Ops. ⓘ | 80.9 | 67.9 | 37.7 | 69.1 | 106 | 56.4 | 51.9 | 212 | 139 | 102 | - |
| Debt/CF from Ops. ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | 11.6% | 12.2% | 11.3% | 4.9% | ||||
| Adj EPS ⓘ | 11.3% | 1.7% | -4.1% | -18.2% | ||||
| BVPSⓘ | 9.1% | 8.3% | 14.8% | 11.7% | ||||
| Share Price | 14.2% | 5.3% | -11.8% | -32.7% | ||||
Key Financial Parameters ⓘ
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | 11.3 | 14.4 | 17.4 | 19.4 | 18.8 | 7.3 | 24.1 | 24.4 | 17.6 | 13.3 | 11.5 |
| Op. Profit Mgn % ⓘ | 11.9 | 12.7 | 15.3 | 17.4 | 26.1 | 8.1 | 26.9 | 27.9 | 20.6 | 14.2 | 11.2 |
| Net Profit Mgn % ⓘ | 17.3 | 19.4 | 19.5 | 22.1 | 24.6 | 9.1 | 21.8 | 21.3 | 17.5 | 13.7 | 12.7 |
| Debt to Equity ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - |
| Working Cap Days ⓘ | 190 | 141 | 114 | 96 | 109 | 111 | 111 | 130 | 150 | 161 | 114 |
| Cash Conv. Cycle ⓘ | 41 | 14 | 25 | 43 | 46 | 51 | 64 | 65 | 57 | 43 | 49 |
Valuation of Nucleus Software Exp - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 372 | 412 | 484 | 521 | 514 | 497 | 634 | 826 | 832 | 876 |
| Operating Expenses > ⓘ + | 319 | 353 | 407 | 427 | 388 | 460 | 478 | 606 | 666 | 750 |
| Operating Profit > ⓘ | 53 | 59 | 77 | 94 | 126 | 37 | 157 | 220 | 167 | 126 |
| Operating Profit Margin (%) | 14.3% | 14.2% | 15.8% | 18.1% | 24.5% | 7.4% | 24.7% | 26.7% | 20.0% | 14.3% |
| Other Income > ⓘ + | 33 | 29 | 30 | 37 | 43 | 35 | 34 | 51 | 68 | 64 |
| Interest > ⓘ | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Depreciation > ⓘ | 11 | 7 | 10 | 14 | 14 | 15 | 19 | 15 | 15 | 16 |
| Profit Before Tax > ⓘ | 74 | 80 | 96 | 117 | 154 | 56 | 171 | 256 | 219 | 150 |
| Tax > ⓘ | 8 | 17 | 22 | 28 | 36 | 15 | 43 | 64 | 56 | 33 |
| Profit After Tax | 66 | 63 | 75 | 89 | 118 | 41 | 128 | 192 | 163 | 117 |
| PAT Margin (%) | 17.8% | 15.2% | 15.4% | 17.1% | 23.0% | 8.2% | 20.1% | 23.2% | 19.6% | 13.3% |
| Adjusted EPS (₹) | 20.4 | 21.5 | 25.7 | 30.6 | 40.6 | 15.3 | 47.7 | 71.6 | 61.9 | 44.3 |
| Dividend Payout Ratio (%) | 24.50% | 37.10% | 35.10% | 29.40% | 22.20% | 45.80% | 21% | 17.50% | 20.20% | 28.20% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | |||||||||||
| Shareholders Fund + | 535 | 461 | 509 | 561 | 672 | 494 | 611 | 777 | 814 | 907 | |
| Debt + | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Trade Payables | 35 | 54 | 12 | 15 | 13 | 14 | 12 | 16 | 13 | 18 | |
| Others Liabilities ⓘ | 89 | 120 | 157 | 182 | 200 | 229 | 251 | 320 | 326 | 340 | |
| Total Liabilities ⓘ | 660 | 635 | 678 | 758 | 885 | 737 | 874 | 1,114 | 1,153 | 1,266 | |
Fixed Assets | |||||||||||
| Net Fixed Assets ⓘ + | 48 | 48 | 47 | 43 | 36 | 45 | 37 | 46 | 48 | 77 | |
| CWIP ⓘ | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 1 | 0 | 0 | |
| Investments ⓘ | 441 | 387 | 424 | 489 | 635 | 480 | 525 | 649 | 641 | 644 | |
| Inventories | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Trade Receivables | 61 | 79 | 71 | 90 | 89 | 83 | 175 | 166 | 137 | 121 | |
| Cash Equivalents | 62 | 70 | 83 | 88 | 45 | 56 | 51 | 74 | 123 | 123 | |
| Others Assets ⓘ | 47 | 52 | 52 | 48 | 80 | 72 | 85 | 179 | 204 | 301 | |
| Total Assets ⓘ | 660 | 635 | 678 | 758 | 885 | 737 | 874 | 1,114 | 1,153 | 1,266 | |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ + | 95 | 77 | 56 | 75 | 115 | 58 | 50 | 222 | 151 | 117 |
| Cash Flow From Investing Activity ⓘ + | -77 | 61 | -28 | -29 | -126 | 159 | -13 | -197 | -21 | -53 |
| Cash Flow From Financing Activity ⓘ + | -1 | -135 | -26 | -34 | -13 | -213 | -23 | -30 | -126 | -37 |
| Net Cash Flow ⓘ | 17 | 3 | 2 | 12 | -24 | 3 | 14 | -5 | 4 | 28 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | 13.35 | 12.56 | 15.37 | 16.64 | 19.13 | 7.02 | 23.14 | 27.61 | 20.48 | 13.56 |
| ROCE (%) | 15.08 | 16.13 | 19.96 | 22.05 | 25.15 | 9.66 | 31.17 | 36.99 | 27.62 | 17.57 |
| Asset Turnover Ratio | 0.6 | 0.64 | 0.74 | 0.73 | 0.63 | 0.61 | 0.79 | 0.83 | 0.73 | 0.72 |
| PAT to CFO Conversion(x) | 1.44 | 1.22 | 0.75 | 0.84 | 0.97 | 1.41 | 0.39 | 1.16 | 0.93 | 1 |
| Working Capital Days | ||||||||||
| Receivable Days | 72 | 62 | 56.60 | 56.50 | 63.80 | 63.30 | 74.20 | 75.30 | 66.60 | 53.90 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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Nucleus Software Exports Ltd FAQs
The current trading price of Nucleus Software Exp on 11-Sep-2026 16:59 is ₹698.6.
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 10-Sep-2026 the market cap of Nucleus Software Exp stood at ₹1,839.2 Cr
The latest P/E ratio of Nucleus Software Exp as of 10-Sep-2026 is 18.09.
The latest P/B ratio of Nucleus Software Exp as of 10-Sep-2026 is 2.05.
The 52-week high of Nucleus Software Exp is ₹1,080.9 and the 52-week low is ₹681.5.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Nucleus Software Exp is ₹799 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that Nucleus Software Exports Ltd is a good quality company.
The key valuation ratios of Nucleus Software Exports Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Nucleus Software Exports Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Nucleus Software Exports Ltd
Nucleus Software Exports provides innovative and pioneering products and software solutions since 1986. It provides software solutions to the Banking, Financial Services Industry (BFSI). For over 20 years, it has developed solutions spanning from retail banking to corporate banking, cash management, internet banking and credit cards. FinnOne, the flagship product of Nucleus Software is a comprehensive suite for retail banking applications comprising modules like customer acquisition system, loan management, delinquency and recovery management, deposits and finance against securities.
Products of the company
- Customer Acquisition System
- Loan Management System
- Collections
- General Ledger
- Forecaster
- Finance against Securities
- Lead Management System
- Customer Service Module
- Power Pay
- Collateral Management System
- Central Liability System
- Web based Islamic Financing Product
Milestones/ Awards
- 2014
Nucleus Software win The Asian Banker Technology Implementation Awards 2014 for ""Best Lending Platform Implementation.
Nucleus Software Exports Ltd won the Best Corporate Governance - India - 2014. - 2012
Nucleus Software's FinnOne Ranked Best Selling Lending Solution across the Globe.
Nucleus Software ranked the Best for Online Annual Report by IR Global Rankings - 2011
Nucleus Software wins Gold shield for Excellence in financial Reporting , 2010 by Institute of Chartered Accountants of India (ICAI)".
"Nucleus Software's FinnOne is World's No. 1 Leading Software for the Third Consecutive Year"
"Nucleus Software Ranked Amongst Top 5 Indian Companies for Corporate Governance" - 2009 - Good Corporate Governance Practices
- 2009 - SAFA - Best Presented Accounts Award 2008
- 2009 - Celent 2009 Model Bank Award
- 2009 - FinnOne - World's No 1 Selling Lending Software product
- 2008 - Amongst India's Top 15 Exciting Emerging Companies to Work For
- 2008 - Asia's 200 Best Under A Billion Companies
- 2008 - Good Corporate Governance Practices
- 2008 - D&B – ECGC Indian Exporters’ Excellence Award
- 2008 - FinnOne- World's 2nd Best Selling Lending Software product
- 2007 - FinnOne - World's No 1 Selling Lending Software product
- 2006 - Excellence in Financial Reporting
- 2005 - Asia Pacific Level Technology Award
- 2004 - Global Banking Back Office Systems
- 2004 - Most Innovative ISV
- 2003 - Building World Class Loan Management Solution
- 2002 - 15th Highest selling Back Office Banking System Product
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