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

Share Price and Basic Stock Data

Last Updated: June 21, 2025, 12:36 pm

Market Cap	81,644 Cr.
Current Price	9,396
High / Low	13,220/7,038
Stock P/E	34.3
Book Value	963
Dividend Yield	2.82 %
ROCE	40.6 %
ROE	29.3 %
Face Value	5.00
PEG Ratio	5.72

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Oracle Financial Services Software Ltd

Competitors of Oracle Financial Services Software Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Visesh Infotecnics Ltd	125 Cr.	0.33	0.52/0.33		1.12	0.00 %	2.21 %	2.23 %	1.00
Mudunuru Ltd	25.5 Cr.	8.17	13.5/5.33		0.25	0.00 %	27.6 %	90.7 %	2.00
Naapbooks Ltd	151 Cr.	141	159/54.0	33.7	33.2	0.00 %	23.6 %	17.1 %	10.0
IB Infotech Enterprises Ltd	23.6 Cr.	184	245/132	31.8	19.0	0.54 %	38.5 %	35.4 %	10.0
Hit Kit Global Solutions Ltd	5.24 Cr.	1.13	1.62/1.13	26.2	2.52	0.00 %	2.14 %	2.15 %	2.00
Industry Average	21,084.01 Cr	570.27		93.50	118.93	0.48%	15.28%	14.77%	6.84

All Competitor Stocks of Oracle Financial Services Software Ltd

Quarterly Result

Metric	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
Sales	1,277	1,402	1,376	1,449	1,471	1,462	1,444	1,824	1,642	1,741	1,674	1,715	1,716
Expenses	725	755	809	843	820	841	886	955	908	894	923	1,001	952
Operating Profit	552	647	567	606	651	622	558	868	734	847	751	714	765
OPM %	43%	46%	41%	42%	44%	42%	39%	48%	45%	49%	45%	42%	45%
Other Income	42	44	46	41	61	101	65	94	82	48	105	70	82
Interest	4	-7	5	7	8	-3	8	9	14	5	8	-3	-9
Depreciation	20	20	22	21	19	18	19	19	18	18	18	17	17
Profit before tax	570	679	586	620	686	707	596	934	785	873	829	770	839
Tax %	15%	28%	32%	29%	30%	29%	30%	21%	29%	29%	30%	30%	23%
Net Profit	482	492	398	437	479	501	417	741	560	617	578	541	644
EPS in Rs	55.86	56.95	46.05	50.63	55.48	57.92	48.20	85.51	64.62	71.12	66.60	62.35	74.13

Last Updated: May 31, 2025, 8:14 am

Below is a detailed analysis of the quarterly data for Oracle Financial Services Software Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

For Sales, as of Mar 2025, the value is 1,716.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,715.00 Cr. (Dec 2024) to 1,716.00 Cr., marking an increase of 1.00 Cr..
For Expenses, as of Mar 2025, the value is 952.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,001.00 Cr. (Dec 2024) to 952.00 Cr., marking a decrease of 49.00 Cr..
For Operating Profit, as of Mar 2025, the value is 765.00 Cr.. The value appears strong and on an upward trend. It has increased from 714.00 Cr. (Dec 2024) to 765.00 Cr., marking an increase of 51.00 Cr..
For OPM %, as of Mar 2025, the value is 45.00%. The value appears strong and on an upward trend. It has increased from 42.00% (Dec 2024) to 45.00%, marking an increase of 3.00%.
For Other Income, as of Mar 2025, the value is 82.00 Cr.. The value appears strong and on an upward trend. It has increased from 70.00 Cr. (Dec 2024) to 82.00 Cr., marking an increase of 12.00 Cr..
For Interest, as of Mar 2025, the value is -9.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from -3.00 Cr. (Dec 2024) to -9.00 Cr., marking a decrease of 6.00 Cr..
For Depreciation, as of Mar 2025, the value is 17.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 17.00 Cr..
For Profit before tax, as of Mar 2025, the value is 839.00 Cr.. The value appears strong and on an upward trend. It has increased from 770.00 Cr. (Dec 2024) to 839.00 Cr., marking an increase of 69.00 Cr..
For Tax %, as of Mar 2025, the value is 23.00%. The value appears to be improving (decreasing) as expected. It has decreased from 30.00% (Dec 2024) to 23.00%, marking a decrease of 7.00%.
For Net Profit, as of Mar 2025, the value is 644.00 Cr.. The value appears strong and on an upward trend. It has increased from 541.00 Cr. (Dec 2024) to 644.00 Cr., marking an increase of 103.00 Cr..
For EPS in Rs, as of Mar 2025, the value is 74.13. The value appears strong and on an upward trend. It has increased from 62.35 (Dec 2024) to 74.13, marking an increase of 11.78.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: May 3, 2025, 1:41 pm

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	3,741	3,905	4,131	4,427	4,527	4,959	4,861	4,984	5,221	5,698	6,373	6,847
Expenses	2,342	2,354	2,520	2,693	2,716	2,814	2,633	2,515	2,723	3,227	3,590	3,770
Operating Profit	1,399	1,551	1,612	1,734	1,811	2,145	2,229	2,469	2,499	2,471	2,783	3,076
OPM %	37%	40%	39%	39%	40%	43%	46%	50%	48%	43%	44%	45%
Other Income	674	348	189	93	91	176	177	132	134	192	342	304
Interest	0	0	0	0	0	0	47	19	12	13	28	0
Depreciation	72	68	53	70	61	54	106	104	93	81	74	69
Profit before tax	2,001	1,831	1,748	1,757	1,840	2,267	2,252	2,477	2,528	2,570	3,022	3,311
Tax %	32%	35%	40%	33%	33%	39%	35%	29%	25%	30%	27%	28%
Net Profit	1,359	1,192	1,049	1,185	1,237	1,386	1,462	1,762	1,889	1,806	2,219	2,380
EPS in Rs	161.55	140.91	123.61	139.28	144.82	161.57	170.26	204.72	219.00	209.05	256.07	273.95
Dividend Payout %	0%	472%	81%	122%	90%	0%	106%	98%	87%	108%	94%	97%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
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:	7%

Compounded Profit Growth
10 Years:	7%
5 Years:	10%
3 Years:	8%
TTM:	7%

Stock Price CAGR
10 Years:	10%
5 Years:	28%
3 Years:	45%
1 Year:	-4%

Return on Equity
10 Years:	28%
5 Years:	27%
3 Years:	28%
Last Year:	29%

Last Updated: Unknown

Balance Sheet

Last Updated: May 13, 2025, 2:59 pm

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	42	42	42	42	43	43	43	43	43	43	43	43
Reserves	8,735	3,402	4,632	3,222	4,665	4,894	6,527	6,806	7,057	7,416	7,816	8,319
Borrowings	0	0	0	0	0	0	115	70	83	69	43	46
Other Liabilities	941	2,825	1,011	2,756	1,225	1,192	1,236	1,234	1,409	1,590	1,848	1,727
Total Liabilities	9,718	6,269	5,685	6,020	5,933	6,128	7,920	8,153	8,592	9,119	9,749	10,135
Fixed Assets	954	911	865	870	837	864	963	884	871	847	805	796
CWIP	13	0	5	1	3	0	0	0	4	1	3	9
Investments	0	0	10	0	0	0	0	0	0	0	0	0
Other Assets	8,752	5,357	4,805	5,150	5,093	5,264	6,957	7,268	7,717	8,271	8,942	9,330
Total Assets	9,718	6,269	5,685	6,020	5,933	6,128	7,920	8,153	8,592	9,119	9,749	10,135

Below is a detailed analysis of the balance sheet data for Oracle Financial Services Software Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

For Equity Capital, as of Mar 2025, the value is 43.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 43.00 Cr..
For Reserves, as of Mar 2025, the value is 8,319.00 Cr.. The value appears strong and on an upward trend. It has increased from 7,816.00 Cr. (Mar 2024) to 8,319.00 Cr., marking an increase of 503.00 Cr..
For Borrowings, as of Mar 2025, the value is 46.00 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 43.00 Cr. (Mar 2024) to 46.00 Cr., marking an increase of 3.00 Cr..
For Other Liabilities, as of Mar 2025, the value is 1,727.00 Cr.. The value appears to be improving (decreasing). It has decreased from 1,848.00 Cr. (Mar 2024) to 1,727.00 Cr., marking a decrease of 121.00 Cr..
For Total Liabilities, as of Mar 2025, the value is 10,135.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9,749.00 Cr. (Mar 2024) to 10,135.00 Cr., marking an increase of 386.00 Cr..
For Fixed Assets, as of Mar 2025, the value is 796.00 Cr.. The value appears to be declining and may need further review. It has decreased from 805.00 Cr. (Mar 2024) to 796.00 Cr., marking a decrease of 9.00 Cr..
For CWIP, as of Mar 2025, the value is 9.00 Cr.. The value appears strong and on an upward trend. It has increased from 3.00 Cr. (Mar 2024) to 9.00 Cr., marking an increase of 6.00 Cr..
For Investments, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Other Assets, as of Mar 2025, the value is 9,330.00 Cr.. The value appears strong and on an upward trend. It has increased from 8,942.00 Cr. (Mar 2024) to 9,330.00 Cr., marking an increase of 388.00 Cr..
For Total Assets, as of Mar 2025, the value is 10,135.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,749.00 Cr. (Mar 2024) to 10,135.00 Cr., marking an increase of 386.00 Cr..

Notably, the Reserves (8,319.00 Cr.) exceed the Borrowings (46.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Month		Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Cash from Operating Activity +	673	1,060	712	1,121	1,157	1,380	1,522	1,920	1,856	1,758	1,791	2,199
Cash from Investing Activity +	-672	3,701	1,018	1,823	-1,313	220	-1,299	34	-138	267	1,611	-2,453
Cash from Financing Activity +	14	-4,690	-1,776	-931	-1,630	-1,250	-47	-1,590	-1,733	-1,665	-1,958	-2,096
Net Cash Flow	15	72	-45	2,013	-1,785	350	175	363	-15	360	1,443	-2,350

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	1.00	1.00	1.00	1.00	1.00	2.00	-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

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	76	66	56	73	59	81	70	69	59	65	69	76
Inventory Days
Days Payable
Cash Conversion Cycle	76	66	56	73	59	81	70	69	59	65	69	76
Working Capital Days	35	63	-151	41	-112	41	32	43	38	39	41	49
ROCE %	24%	25%	30%	44%	46%	46%	47%	40%	37%	36%	35%	40%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	73.11%	73.02%	73.00%	72.99%	72.98%	72.90%	72.81%	72.78%	72.75%	72.71%	72.69%	72.62%
FIIs	7.98%	7.45%	7.22%	6.75%	7.44%	7.79%	7.74%	6.89%	6.13%	5.10%	7.73%	8.48%
DIIs	9.30%	9.43%	9.36%	9.17%	8.53%	8.46%	8.57%	9.48%	10.26%	11.49%	9.91%	9.36%
Government	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.00%	0.00%
Public	9.61%	10.10%	10.41%	11.09%	11.06%	10.84%	10.89%	10.85%	10.85%	10.69%	9.67%	9.51%
No. of Shareholders	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

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
HDFC Mid-Cap Opportunities Fund - Regular Plan	1,176,636	0.91	471.95	1,176,636	2025-04-22 13:31:13	0%
Parag Parikh Flexi Cap Fund	417,679	0.35	167.53	417,679	2025-04-22 17:25:24	0%
Tata Equity P/E Fund - Regular Plan	203,867	1.26	81.77	203,867	2025-04-22 17:25:24	0%
Tata Equity P/E Fund - Regular Plan - Trigger Option A 5%	203,867	1.26	81.77	203,867	2025-04-22 11:25:17	0%
UTI MNC Fund	190,146	2.89	76.27	190,146	2025-04-22 17:25:24	0%
Tata Large & Mid Cap Fund - Regular Plan	180,000	1.26	72.2	180,000	2025-04-22 17:25:24	0%
Tata Large & Mid Cap Fund - Regular Plan	180,000	1.26	72.2	180,000	2025-04-22 17:25:24	0%
Kotak Equity Arbitrage Fund - Regular Plan	160,200	0.2	64.26	160,200	2025-04-22 17:25:24	0%
NJ Balanced Advantage Fund	115,743	1.25	46.42	115,743	2025-04-22 17:25:24	0%
UTI Large & Mid Cap Fund	111,435	2.05	44.7	111,435	2025-04-22 17:25:24	0%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	5.00	5.00	5.00	5.00	5.00
Basic EPS (Rs.)	274.27	256.39	209.14	219.19	204.90
Diluted EPS (Rs.)	272.52	254.76	208.25	218.04	203.99
Cash EPS (Rs.)	282.11	264.63	218.38	229.76	216.82
Book Value[Excl.RevalReserv]/Share (Rs.)	963.41	906.70	863.32	823.19	795.79
Book Value[Incl.RevalReserv]/Share (Rs.)	963.41	906.70	863.32	823.19	795.79
Revenue From Operations / Share (Rs.)	788.80	773.56	678.90	605.41	579.11
PBDIT / Share (Rs.)	389.46	360.52	308.25	305.32	302.17
PBIT / Share (Rs.)	381.50	351.95	298.91	294.56	290.08
PBT / Share (Rs.)	381.44	348.71	297.45	293.15	287.85
Net Profit / Share (Rs.)	274.15	256.06	209.05	219.00	204.72
NP After MI And SOA / Share (Rs.)	274.15	256.06	209.05	219.00	204.72
PBDIT Margin (%)	49.37	46.60	45.40	50.43	52.17
PBIT Margin (%)	48.36	45.49	44.02	48.65	50.09
PBT Margin (%)	48.35	45.07	43.81	48.42	49.70
Net Profit Margin (%)	34.75	33.10	30.79	36.17	35.35
NP After MI And SOA Margin (%)	34.75	33.10	30.79	36.17	35.35
Return on Networth / Equity (%)	28.45	28.24	24.21	26.60	25.72
Return on Capital Employeed (%)	36.85	35.24	31.56	32.79	33.59
Return On Assets (%)	23.47	22.33	19.47	21.62	21.26
Asset Turnover Ratio (%)	0.68	0.69	0.57	0.52	0.51
Current Ratio (X)	6.90	5.98	6.55	6.72	7.35
Quick Ratio (X)	6.90	5.98	6.55	6.72	7.35
Dividend Payout Ratio (NP) (%)	0.00	87.68	0.00	91.18	87.81
Dividend Payout Ratio (CP) (%)	0.00	84.84	0.00	86.91	82.91
Earning Retention Ratio (%)	0.00	12.32	0.00	8.82	12.19
Cash Earning Retention Ratio (%)	0.00	15.16	0.00	13.09	17.09
Interest Coverage Ratio (X)	6761.00	111.16	210.45	215.82	135.95
Interest Coverage Ratio (Post Tax) (X)	4760.20	79.96	143.72	155.81	93.10
Enterprise Value (Cr.)	62127.58	70438.92	22731.44	25853.19	22617.10
EV / Net Operating Revenue (X)	9.07	10.51	3.88	4.95	4.54
EV / EBITDA (X)	18.38	22.54	8.54	9.82	8.70
MarketCap / Net Operating Revenue (X)	9.94	11.33	4.81	5.93	5.52
Retention Ratios (%)	0.00	12.31	0.00	8.81	12.18
Price / BV (X)	8.14	9.67	3.78	4.36	4.02
Price / Net Operating Revenue (X)	9.94	11.33	4.81	5.93	5.52
EarningsYield	0.03	0.02	0.06	0.06	0.06

After reviewing the key financial ratios for Oracle Financial Services Software Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 25, the value is 5.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 5.00.
For Basic EPS (Rs.), as of Mar 25, the value is 274.27. This value is within the healthy range. It has increased from 256.39 (Mar 24) to 274.27, marking an increase of 17.88.
For Diluted EPS (Rs.), as of Mar 25, the value is 272.52. This value is within the healthy range. It has increased from 254.76 (Mar 24) to 272.52, marking an increase of 17.76.
For Cash EPS (Rs.), as of Mar 25, the value is 282.11. This value is within the healthy range. It has increased from 264.63 (Mar 24) to 282.11, marking an increase of 17.48.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 963.41. It has increased from 906.70 (Mar 24) to 963.41, marking an increase of 56.71.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 963.41. It has increased from 906.70 (Mar 24) to 963.41, marking an increase of 56.71.
For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 788.80. It has increased from 773.56 (Mar 24) to 788.80, marking an increase of 15.24.
For PBDIT / Share (Rs.), as of Mar 25, the value is 389.46. This value is within the healthy range. It has increased from 360.52 (Mar 24) to 389.46, marking an increase of 28.94.
For PBIT / Share (Rs.), as of Mar 25, the value is 381.50. This value is within the healthy range. It has increased from 351.95 (Mar 24) to 381.50, marking an increase of 29.55.
For PBT / Share (Rs.), as of Mar 25, the value is 381.44. This value is within the healthy range. It has increased from 348.71 (Mar 24) to 381.44, marking an increase of 32.73.
For Net Profit / Share (Rs.), as of Mar 25, the value is 274.15. This value is within the healthy range. It has increased from 256.06 (Mar 24) to 274.15, marking an increase of 18.09.
For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 274.15. This value is within the healthy range. It has increased from 256.06 (Mar 24) to 274.15, marking an increase of 18.09.
For PBDIT Margin (%), as of Mar 25, the value is 49.37. This value is within the healthy range. It has increased from 46.60 (Mar 24) to 49.37, marking an increase of 2.77.
For PBIT Margin (%), as of Mar 25, the value is 48.36. This value exceeds the healthy maximum of 20. It has increased from 45.49 (Mar 24) to 48.36, marking an increase of 2.87.
For PBT Margin (%), as of Mar 25, the value is 48.35. This value is within the healthy range. It has increased from 45.07 (Mar 24) to 48.35, marking an increase of 3.28.
For Net Profit Margin (%), as of Mar 25, the value is 34.75. This value exceeds the healthy maximum of 10. It has increased from 33.10 (Mar 24) to 34.75, marking an increase of 1.65.
For NP After MI And SOA Margin (%), as of Mar 25, the value is 34.75. This value exceeds the healthy maximum of 20. It has increased from 33.10 (Mar 24) to 34.75, marking an increase of 1.65.
For Return on Networth / Equity (%), as of Mar 25, the value is 28.45. This value is within the healthy range. It has increased from 28.24 (Mar 24) to 28.45, marking an increase of 0.21.
For Return on Capital Employeed (%), as of Mar 25, the value is 36.85. This value is within the healthy range. It has increased from 35.24 (Mar 24) to 36.85, marking an increase of 1.61.
For Return On Assets (%), as of Mar 25, the value is 23.47. This value is within the healthy range. It has increased from 22.33 (Mar 24) to 23.47, marking an increase of 1.14.
For Asset Turnover Ratio (%), as of Mar 25, the value is 0.68. It has decreased from 0.69 (Mar 24) to 0.68, marking a decrease of 0.01.
For Current Ratio (X), as of Mar 25, the value is 6.90. This value exceeds the healthy maximum of 3. It has increased from 5.98 (Mar 24) to 6.90, marking an increase of 0.92.
For Quick Ratio (X), as of Mar 25, the value is 6.90. This value exceeds the healthy maximum of 2. It has increased from 5.98 (Mar 24) to 6.90, marking an increase of 0.92.
For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 87.68 (Mar 24) to 0.00, marking a decrease of 87.68.
For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 84.84 (Mar 24) to 0.00, marking a decrease of 84.84.
For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 12.32 (Mar 24) to 0.00, marking a decrease of 12.32.
For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 15.16 (Mar 24) to 0.00, marking a decrease of 15.16.
For Interest Coverage Ratio (X), as of Mar 25, the value is 6,761.00. This value is within the healthy range. It has increased from 111.16 (Mar 24) to 6,761.00, marking an increase of 6,649.84.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 4,760.20. This value is within the healthy range. It has increased from 79.96 (Mar 24) to 4,760.20, marking an increase of 4,680.24.
For Enterprise Value (Cr.), as of Mar 25, the value is 62,127.58. It has decreased from 70,438.92 (Mar 24) to 62,127.58, marking a decrease of 8,311.34.
For EV / Net Operating Revenue (X), as of Mar 25, the value is 9.07. This value exceeds the healthy maximum of 3. It has decreased from 10.51 (Mar 24) to 9.07, marking a decrease of 1.44.
For EV / EBITDA (X), as of Mar 25, the value is 18.38. This value exceeds the healthy maximum of 15. It has decreased from 22.54 (Mar 24) to 18.38, marking a decrease of 4.16.
For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 9.94. This value exceeds the healthy maximum of 3. It has decreased from 11.33 (Mar 24) to 9.94, marking a decrease of 1.39.
For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 12.31 (Mar 24) to 0.00, marking a decrease of 12.31.
For Price / BV (X), as of Mar 25, the value is 8.14. This value exceeds the healthy maximum of 3. It has decreased from 9.67 (Mar 24) to 8.14, marking a decrease of 1.53.
For Price / Net Operating Revenue (X), as of Mar 25, the value is 9.94. This value exceeds the healthy maximum of 3. It has decreased from 11.33 (Mar 24) to 9.94, marking a decrease of 1.39.
For EarningsYield, as of Mar 25, the value is 0.03. This value is below the healthy minimum of 5. It has increased from 0.02 (Mar 24) to 0.03, marking an increase of 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Oracle Financial Services Software Ltd as of June 22, 2025 is: 7,960.78

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of June 22, 2025, Oracle Financial Services Software Ltd is Overvalued by 15.27% compared to the current share price 9,396.00

Intrinsic Value of Oracle Financial Services Software Ltd as of June 22, 2025 is: 8,438.36

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of June 22, 2025, Oracle Financial Services Software Ltd is Overvalued by 10.19% compared to the current share price 9,396.00

Last 5 Year EPS CAGR: 6.00%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a high average ROCE of 37.50%, which is a positive sign. The stock has a low average Working Capital Days of 13.25, which is a positive sign. The company has higher reserves (6,124.25 cr) compared to borrowings (35.50 cr), indicating strong financial stability. The company has shown consistent growth in sales (4.33 cr) and profit (1.83 cr) over the years.	The stock has a high average Cash Conversion Cycle of 68.25, which may not be favorable.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Oracle Financial Services Software Ltd:
1. Net Profit Margin: 34.75%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 36.85% (Industry Average ROCE: 15.28%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 28.45% (Industry Average ROE: 14.77%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 4760.2
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 6.9
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 34.3 (Industry average Stock P/E: 93.5)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 0
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

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. 5099.10 Cr. and Equity Capital is Rs. 43.40 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
IT Consulting & Software	Oracle Park, Mumbai Maharashtra 400063	investors-vp-ofss_in_grp@oracle.com https://www.oracle.com/financialservices

Management
Name	Position Held
Mr. Sridhar Srinivasan	Chairman
Mr. Makarand Padalkar	Managing Director & CEO
Mr. Mrugank Paranjape	Director
Ms. Kimberly Woolley	Director
Mr. Harinderjit Singh	Director
Mr. Gopala Ramanan Balasubramaniam	Director
Mr. Vincent Secondo Grelli	Director
Ms. Jane Murphy	Director
Mr. Yong Meng Kau	Director

FAQ

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

Oracle Financial Services Software Ltd's intrinsic value (as of 21 June 2025) is ₹7960.78 — 15.27% lower the current market price of 9,396.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 81,644 Cr. market cap, FY2025-2026 high/low of ₹13,220/7,038, reserves of 8,319 Cr, and liabilities of 10,135 Cr.

What is the Market Cap of Oracle Financial Services Software Ltd?

The Market Cap of Oracle Financial Services Software Ltd is 81,644 Cr..

What is the current Stock Price of Oracle Financial Services Software Ltd as on 21 June 2025?

The current stock price of Oracle Financial Services Software Ltd as on 21 June 2025 is 9,396.

What is the High / Low of Oracle Financial Services Software Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Oracle Financial Services Software Ltd stocks is ₹13,220/7,038.

What is the Stock P/E of Oracle Financial Services Software Ltd?

The Stock P/E of Oracle Financial Services Software Ltd is 34.3.

What is the Book Value of Oracle Financial Services Software Ltd?

The Book Value of Oracle Financial Services Software Ltd is 963.

What is the Dividend Yield of Oracle Financial Services Software Ltd?

The Dividend Yield of Oracle Financial Services Software Ltd is 2.82 %.

What is the ROCE of Oracle Financial Services Software Ltd?

The ROCE of Oracle Financial Services Software Ltd is 40.6 %.

What is the ROE of Oracle Financial Services Software Ltd?

The ROE of Oracle Financial Services Software Ltd is 29.3 %.

What is the Face Value of Oracle Financial Services Software Ltd?

The Face Value of Oracle Financial Services Software Ltd is 5.00.