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Oracle Financial Services Software Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹7,121.28Overvalued by 20.42%vs CMP ₹8,949.00

P/E (29.5) × ROE (32.6%) × BV (₹899.00) × DY (2.96%)

₹3,605.88Overvalued by 59.71%vs CMP ₹8,949.00
MoS: -148.2% (Negative)Confidence: 68/100 (Moderate)Models: All 9: Overvalued
ModelCategoryValueWeightSignal
PE-ROEEarnings₹7,484.6822%Over (-16.4%)
Graham NumberEarnings₹2,383.5916%Over (-73.4%)
Earnings PowerEarnings₹2,080.4913%Over (-76.8%)
DCFCash Flow₹3,814.6013%Over (-57.4%)
Net Asset ValueAssets₹846.677%Over (-90.5%)
EV/EBITDAEnterprise₹3,609.569%Over (-59.7%)
Earnings YieldEarnings₹2,808.807%Over (-68.6%)
ROCE CapitalReturns₹2,380.909%Over (-73.4%)
Revenue MultipleRevenue₹1,180.045%Over (-86.8%)
Consensus (9 models)₹3,605.88100%Overvalued
Key Drivers: Wide model spread (₹847–₹7,485) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 5.1%

*Investments are subject to market risks

Analyst Summary

Oracle Financial Services Software Ltd operates in the IT Consulting & Software segment, current market price is ₹8,949.00, market cap is 77,888 Cr.. At a glance, stock P/E is 29.5, ROE is 32.6 %, ROCE is 45.3 %, book value is 899, dividend yield is 2.96 %. The latest intrinsic value estimate is ₹3,605.88, around 59.7% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹6,847 Cr versus the prior period change of 7.4%, while latest net profit is about ₹2,380 Cr with a prior-period change of 7.3%. The 52-week range shown on this page is 9,950/6,232, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisOracle Financial Services Software Ltd. is a Public Limited Listed company incorporated on 27/09/1989 and has its registered office in the State of Maharashtra, India. Company's Corporate Identificati…

This summary is generated from the stock page data available for Oracle Financial Services Software Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

74
Oracle Financial Services Software Ltd scores 74/100 (Strong)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health88/100 · Strong
ROCE 45.3% ExcellentROE 32.6% ExcellentD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money50/100 · Moderate
FII holding stable No changePromoter holding at 72.5% Stable
Earnings Quality60/100 · Moderate
OPM stable around 45% SteadyWorking capital: 45 days (improving) Efficient
Quarterly Momentum68/100 · Strong
Revenue (4Q): +8% YoY GrowingProfit (4Q): +6% YoY Positive
Industry Rank90/100 · Strong
P/E 29.5 vs industry 107.3 Cheaper than peersROCE 45.3% vs industry 14.9% Above peersROE 32.6% vs industry 21.0% Above peers3Y sales CAGR: 9% Moderate

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 25, 2026, 11:33 pm

Market Cap 77,888 Cr.
Current Price 8,949
Intrinsic Value₹3,605.88
High / Low 9,950/6,232
Stock P/E29.5
Book Value 899
Dividend Yield2.96 %
ROCE45.3 %
ROE32.6 %
Face Value 5.00
PEG Ratio5.78

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Oracle Financial Services Software Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Oracle Financial Services Software Ltd 77,888 Cr. 8,949 9,950/6,23229.5 8992.96 %45.3 %32.6 % 5.00
Persistent Systems Ltd 74,889 Cr. 4,747 6,599/4,44938.8 4970.74 %34.4 %27.3 % 5.00
Coforge Ltd 49,448 Cr. 1,151 1,994/1,00839.3 2061.32 %20.3 %16.0 % 2.00
Tech Mahindra Ltd 1,33,111 Cr. 1,358 1,854/1,30426.6 3023.31 %23.1 %17.6 % 5.00
LTIMindtree Ltd 1,35,243 Cr. 4,559 6,430/3,80226.1 7891.43 %27.6 %21.5 % 1.00
Industry Average16,313.87 Cr460.09107.32123.360.71%14.92%20.98%6.77

All Competitor Stocks of Oracle Financial Services Software Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales 1,4491,4711,4621,4441,8241,6421,7411,6741,7151,7161,8521,7891,966
Expenses 8438208418869559088949231,0019521,0061,0341,146
Operating Profit 606651622558868734847751714765846755820
OPM % 42%44%42%39%48%45%49%45%42%45%46%42%42%
Other Income 4161101659482481057082726660
Interest 78-3891458-3-9-487
Depreciation 21191819191818181717181616
Profit before tax 620686707596934785873829770839905797857
Tax % 29%30%29%30%21%29%29%30%30%23%29%32%29%
Net Profit 437479501417741560617578541644642546610
EPS in Rs 50.6355.4857.9248.2085.5164.6271.1266.6062.3574.1373.8762.8270.06

Last Updated: February 4, 2026, 6:16 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 6:46 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 3,7413,9054,1314,4274,5274,9594,8614,9845,2215,6986,3736,8477,323
Expenses 2,3422,3542,5202,6932,7162,8142,6332,5152,7233,2273,5903,7704,137
Operating Profit 1,3991,5511,6121,7341,8112,1452,2292,4692,4992,4712,7823,0763,186
OPM % 37%40%39%39%40%43%46%50%48%43%44%45%44%
Other Income 6743481899391176177132134192342304281
Interest 000000471912132801
Depreciation 7268537061541061049381746967
Profit before tax 2,0011,8311,7481,7571,8402,2672,2522,4772,5282,5703,0223,3113,399
Tax % 32%35%40%33%33%39%35%29%25%30%27%28%
Net Profit 1,3591,1921,0491,1851,2371,3861,4621,7621,8891,8062,2192,3802,442
EPS in Rs 161.55140.91123.61139.28144.82161.57170.26204.72219.00209.05256.07273.95280.88
Dividend Payout % 0%472%81%122%90%0%106%98%87%108%94%97%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)-12.29%-12.00%12.96%4.39%12.05%5.48%20.52%7.21%-4.39%22.87%7.26%
Change in YoY Net Profit Growth (%)0.00%0.29%24.96%-8.58%7.66%-6.56%15.04%-13.31%-11.60%27.26%-15.61%

Oracle Financial Services Software Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:6%
5 Years:7%
3 Years:9%
TTM:5%
Compounded Profit Growth
10 Years:7%
5 Years:10%
3 Years:8%
TTM:3%
Stock Price CAGR
10 Years:8%
5 Years:23%
3 Years:39%
1 Year:-26%
Return on Equity
10 Years:28%
5 Years:27%
3 Years:28%
Last Year:29%

Last Updated: September 5, 2025, 11:55 am

Balance Sheet

Last Updated: December 4, 2025, 1:45 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 42424242434343434343434344
Reserves 8,7353,4024,6323,2224,6654,8946,5276,8067,0577,4167,8168,3197,325
Borrowings 000000115708369434634
Other Liabilities 9412,8251,0112,7561,2251,1921,2361,2341,4091,5901,8481,6591,904
Total Liabilities 9,7186,2695,6856,0205,9336,1287,9208,1538,5929,1199,74910,0679,306
Fixed Assets 954911865870837864963884871847805796805
CWIP 130513000413913
Investments 00100000000000
Other Assets 8,7525,3574,8055,1505,0935,2646,9577,2687,7178,2718,9429,2628,488
Total Assets 9,7186,2695,6856,0205,9336,1287,9208,1538,5929,1199,74910,0679,306

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + 1,0607121,1211,1571,3801,5221,9201,8561,7581,7912,1992,638
Cash from Investing Activity + 3,7011,0181,823-1,313220-1,29934-1382671,611-2,372936
Cash from Financing Activity + -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 72-452,013-1,785350175363-153601,443-2,269126
Free Cash Flow 1,0476861,0641,1271,3031,4721,9031,8201,7201,7612,1642,587
CFO/OP 116%88%106%98%109%103%107%102%99%93%109%105%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow1.001.001.001.001.002.00-113.00-68.00-81.00-67.00-41.00-43.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 665673598170695965697663
Inventory Days
Days Payable
Cash Conversion Cycle 665673598170695965697663
Working Capital Days 63-15141-1124132403637394845
ROCE %25%30%44%46%46%47%40%37%36%35%40%41%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 72.98%72.90%72.81%72.78%72.75%72.71%72.69%72.62%72.59%72.56%72.53%72.46%
FIIs 7.44%7.79%7.74%6.89%6.13%5.10%7.73%8.48%8.74%8.55%8.66%8.36%
DIIs 8.53%8.46%8.57%9.48%10.26%11.49%9.91%9.36%8.69%8.50%8.45%8.82%
Government 0.00%0.00%0.00%0.00%0.01%0.01%0.00%0.00%0.01%0.00%0.00%0.00%
Public 11.06%10.84%10.89%10.85%10.85%10.69%9.67%9.51%9.97%10.39%10.38%10.34%
No. of Shareholders 1,15,9801,07,1001,01,79099,7071,10,9131,13,1081,25,9171,20,1221,25,9861,29,2861,38,1421,41,515

Shareholding Pattern Chart

No. of Shareholders

Oracle Financial Services Software Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Kotak Midcap Fund 1,529,941 2.01 1187.23N/AN/AN/A
Kotak Multicap Fund 515,228 1.76 399.82503,9782025-12-15 00:59:422.23%
Mirae Asset Midcap Fund 424,834 1.87 329.67408,5912026-01-26 07:55:343.98%
HDFC Mid Cap Fund 340,648 0.29 264.34N/AN/AN/A
Axis Midcap Fund 320,113 0.8 248.41N/AN/AN/A
Kotak Aggressive Hybrid Fund 159,937 1.47 124.11N/AN/AN/A
Quant Mid Cap Fund 135,296 1.44 104.99N/AN/AN/A
Kotak Multi Asset Allocation Fund 105,874 0.68 82.16N/AN/AN/A
HDFC Large and Mid Cap Fund 96,857 0.27 75.16N/AN/AN/A
Mahindra Manulife Multi Cap Fund 80,000 1.03 62.08N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 5.005.005.005.005.00
Basic EPS (Rs.) 274.27256.39209.14219.19204.90
Diluted EPS (Rs.) 272.52254.76208.25218.04203.99
Cash EPS (Rs.) 282.11264.63218.38229.76216.82
Book Value[Excl.RevalReserv]/Share (Rs.) 963.39906.70863.32823.19795.79
Book Value[Incl.RevalReserv]/Share (Rs.) 963.39906.70863.32823.19795.79
Revenue From Operations / Share (Rs.) 788.80773.56678.90605.41579.11
PBDIT / Share (Rs.) 389.46360.52308.25305.32302.17
PBIT / Share (Rs.) 381.50351.95298.91294.56290.08
PBT / Share (Rs.) 381.44348.71297.45293.15287.85
Net Profit / Share (Rs.) 274.15256.06209.05219.00204.72
NP After MI And SOA / Share (Rs.) 274.15256.06209.05219.00204.72
PBDIT Margin (%) 49.3746.6045.4050.4352.17
PBIT Margin (%) 48.3645.4944.0248.6550.09
PBT Margin (%) 48.3545.0743.8148.4249.70
Net Profit Margin (%) 34.7533.1030.7936.1735.35
NP After MI And SOA Margin (%) 34.7533.1030.7936.1735.35
Return on Networth / Equity (%) 28.4528.2424.2126.6025.72
Return on Capital Employeed (%) 36.8535.2431.5632.7933.59
Return On Assets (%) 23.4722.3319.4721.6221.26
Asset Turnover Ratio (%) 0.680.690.570.520.51
Current Ratio (X) 6.905.986.556.727.35
Quick Ratio (X) 6.905.986.556.727.35
Dividend Payout Ratio (NP) (%) 87.4587.680.0091.1887.81
Dividend Payout Ratio (CP) (%) 84.9884.840.0086.9182.91
Earning Retention Ratio (%) 12.5512.320.008.8212.19
Cash Earning Retention Ratio (%) 15.0215.160.0013.0917.09
Interest Coverage Ratio (X) 6761.00111.16210.45215.82135.95
Interest Coverage Ratio (Post Tax) (X) 4760.2079.96143.72155.8193.10
Enterprise Value (Cr.) 62127.5870438.9222731.4425853.1922617.10
EV / Net Operating Revenue (X) 9.0710.513.884.954.54
EV / EBITDA (X) 18.3822.548.549.828.70
MarketCap / Net Operating Revenue (X) 9.9411.334.815.935.52
Retention Ratios (%) 12.5412.310.008.8112.18
Price / BV (X) 8.149.673.784.364.02
Price / Net Operating Revenue (X) 9.9411.334.815.935.52
EarningsYield 0.030.020.060.060.06

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Oracle Financial Services Software Ltd. is a Public Limited Listed company incorporated on 27/09/1989 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L72200MH1989PLC053666 and registration number is 053666. Currently Company is involved in the business activities of Writing , modifying, testing of computer program to meet the needs of a particular client excluding web-page designing. Company's Total Operating Revenue is Rs. 5716.70 Cr. and Equity Capital is Rs. 43.50 Cr. for the Year ended 31/03/2026.
INDUSTRYADDRESSCONTACT
IT Consulting & SoftwareOracle Park, Mumbai Maharashtra 400063Contact not found
Management
NamePosition Held
Ms. Jane MurphyChairperson
Mr. Makarand PadalkarManaging Director & CEO
Mr. Harinderjit SinghDirector
Mr. Vincent Secondo GrelliDirector
Mr. Gopala Ramanan BalasubramaniamDirector
Mr. Mrugank ParanjapeDirector
Ms. Kimberly WoolleyDirector
Ms. Kavita VenugopalDirector
Mr. Nian Nian YuanDirector

FAQ

What is the intrinsic value of Oracle Financial Services Software Ltd and is it undervalued?

As of 30 April 2026, Oracle Financial Services Software Ltd's intrinsic value is ₹3605.88, which is 59.71% lower than the current market price of ₹8,949.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (32.6 %), book value (₹899), dividend yield (2.96 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Oracle Financial Services Software Ltd?

Oracle Financial Services Software Ltd is trading at ₹8,949.00 as of 30 April 2026, with a FY2026-2027 high of ₹9,950 and low of ₹6,232. The stock is currently in the middle of its 52-week range. Market cap stands at ₹77,888 Cr..

How does Oracle Financial Services Software Ltd's P/E ratio compare to its industry?

Oracle Financial Services Software Ltd has a P/E ratio of 29.5, which is below the industry average of 107.32. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Oracle Financial Services Software Ltd financially healthy?

Key indicators for Oracle Financial Services Software Ltd: ROCE of 45.3 % indicates efficient capital utilization; ROE of 32.6 % shows strong shareholder returns. Dividend yield is 2.96 %.

Is Oracle Financial Services Software Ltd profitable and how is the profit trend?

Oracle Financial Services Software Ltd reported a net profit of ₹2,380 Cr in Mar 2025 on revenue of ₹6,847 Cr. Compared to ₹1,889 Cr in Mar 2022, the net profit shows an improving trend.

Does Oracle Financial Services Software Ltd pay dividends?

Oracle Financial Services Software Ltd has a dividend yield of 2.96 % at the current price of ₹8,949.00. This is a relatively attractive yield for income-seeking investors.

Last Updated: April 25, 2026, 11:33 pm
Author: Getaka|Social: XLinkedIn
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Oracle Financial Services Software Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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