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Last Updated on: 13 June, 2024|Author: Getaka | Social: X Twitter Profile

Fundamental Analysis of Oracle Financial Services Software Ltd

About the Company - Oracle Financial Services Software Ltd

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. 3896.13 Cr. and Equity Capital is Rs. 43.12 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
IT Consulting & SoftwareOracle Park, Off. Western Express Highway, Mumbai Maharashtra 400063investors-vp-ofss_in_grp@oracle.com
https://www.oracle.com/financialservices
Management
NamePosition Held
Mr. S VenkatachalamChairman
Mr. Chaitanya KamatManaging Director & CEO
Mr. Makarand PadalkarWholeTime Director & CFO
Ms. Kimberly WoolleyDirector
Mr. Harinderjit SinghDirector
Mr. Richard JacksonDirector
Mr. Sridhar SrinivasanDirector
Ms. Jane MurphyDirector
Mr. Yong Meng KauDirector
Mr. Vincent Secondo GrelliDirector

Basic Stock Data of Oracle Financial Services Software Ltd

Last Updated: June 12, 2024, 10:29 pm

Market Cap 75,729 Cr.
Current Price 8,734
High / Low9,023/3,708
Stock P/E34.1
Book Value 907
Dividend Yield2.73 %
ROCE39.5 %
ROE29.0 %
Face Value 5.00
PEG Ratio4.01

Competitors of Oracle Financial Services Software Ltd

Stock NameMarket CapCurrent PriceHigh / LowStock P/EBook ValueDividend YieldROCEROEFace Value
HCL Technologies Ltd 3,90,428 Cr. 1,4391,697/1,08724.8 2523.62 %29.8 %23.5 % 2.00
ASM Technologies Ltd 1,213 Cr. 1,1051,260/411 1290.63 %0.39 %4.02 % 10.0
Spacenet Enterprises India Ltd 1,693 Cr. 30.839.4/15.4235 1.840.00 %10.6 %10.4 % 1.00
Wipro Ltd 2,51,212 Cr. 480546/37522.7 1430.21 %17.2 %14.5 % 2.00
B2B Software Technologies Ltd 34.4 Cr. 29.745.5/24.918.6 17.30.00 %12.6 %9.69 % 10.0
Industry Average128,916.08 Cr616.9060.22108.630.89%14.12%12.42%5.00

Oracle Financial Services Software Ltd Quarterly Results

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Sales1,2381,2111,3971,2811,2661,2771,4021,3761,4491,4711,4621,4441,824
Expenses627621665651682725755809843820841886955
Operating Profit611590733630585552647567606651621558869
OPM %49%49%52%49%46%43%46%41%42%44%42%39%48%
Other Income234430273642444641611016594
Interest55-0534-7578-389
Depreciation26242525242020222119181919
Profit before tax603605738627593570679586620686707596934
Tax %29%24%29%29%27%15%28%32%29%30%29%30%21%
Net Profit430460524448435482492398437479501417741
EPS in Rs49.9453.4960.8651.9350.4955.8656.9546.0550.6355.4857.9248.2085.51

Last Updated: April 10, 2024, 4:22 am

Oracle Financial Services Software Ltd Quarterly Chart

Oracle Financial Services Software Ltd Profit & Loss

Last Updated: May 27, 2024, 5:52 am

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Sales3,4743,7413,9054,1314,4274,5274,9594,8614,9845,2215,6986,373
Expenses2,2552,3422,3542,5202,6932,7162,8142,6332,5152,7233,2273,590
Operating Profit1,2191,3991,5511,6121,7341,8112,1452,2292,4692,4992,4712,783
OPM %35%37%40%39%39%40%43%46%50%48%43%44%
Other Income4606743481899391176177132134192342
Interest00000004719121328
Depreciation66726853706154106104938174
Profit before tax1,6132,0011,8311,7481,7571,8402,2672,2522,4772,5282,5703,022
Tax %33%32%35%40%33%33%39%35%29%25%30%27%
Net Profit1,0751,3591,1921,0491,1851,2371,3861,4621,7621,8891,8062,219
EPS in Rs127.89161.55140.91123.61139.28144.82161.57170.26204.72219.00209.05256.07
Dividend Payout %0%0%472%81%122%90%0%106%98%87%108%94%

Oracle Financial Services Software Ltd Profit & Loss Yearly Chart

Oracle Financial Services Software Ltd Growth

Compounded Sales Growth
10 Years:5%
5 Years:5%
3 Years:5%
TTM:13%
Compounded Profit Growth
10 Years:5%
5 Years:8%
3 Years:7%
TTM:18%
Stock Price CAGR
10 Years:10%
5 Years:18%
3 Years:34%
1 Year:146%
Return on Equity
10 Years:25%
5 Years:26%
3 Years:26%
Last Year:25%

Last Updated: April 15, 2024, 12:21 pm

Oracle Financial Services Software Ltd Balance Sheet

Last Updated: June 1, 2024, 11:20 pm

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital42424242424243434343434343
Reserves6,2767,3648,7353,4024,6323,2224,6654,8946,5276,8067,0577,4166,453
Borrowings0000000011570836954
Other Liabilities8911,0069412,8251,0112,7561,2251,1921,2361,2341,4091,5901,741
Total Liabilities7,2098,4139,7186,2695,6856,0205,9336,1287,9208,1538,5929,1198,292
Fixed Assets981994954911865870837864963884871847829
CWIP5413130513000410
Investments11001000000000
Other Assets6,1727,4048,7525,3574,8055,1505,0935,2646,9577,2687,7178,2717,462
Total Assets7,2098,4139,7186,2695,6856,0205,9336,1287,9208,1538,5929,1198,292

Oracle Financial Services Software Ltd Reserves and Borrowings Chart

Oracle Financial Services Software Ltd Cash Flow

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity 8211,1346731,0607121,1211,1571,3801,5221,9201,8561,758
Cash from Investing Activity -644-1,160-6723,7011,0181,823-1,313220-1,29934-138267
Cash from Financing Activity 61514-4,690-1,776-931-1,630-1,250-47-1,590-1,733-1,665
Net Cash Flow183-111572-452,013-1,785350175363-15360

Oracle Financial Services Software Ltd Financial Efficiency Indicators

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Debtor Days766656735981706959656976
Inventory Days
Days Payable
Cash Conversion Cycle766656735981706959656976
Working Capital Days3563-15141-11241324338394149
ROCE %24%25%30%44%46%46%47%40%37%36%35%

Oracle Financial Services Software Ltd Financial Efficiency Indicators Chart

Oracle Financial Services Software Ltd Share Holding Pattern

MonthJun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
Promoters73.21%73.15%73.12%73.11%73.02%73.00%72.99%72.98%72.90%72.81%72.78%72.75%
FIIs10.02%8.53%8.25%7.98%7.45%7.22%6.75%7.44%7.79%7.74%6.89%6.13%
DIIs8.34%8.93%9.28%9.30%9.43%9.36%9.17%8.53%8.46%8.57%9.48%10.26%
Government0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%
Public8.42%9.38%9.34%9.61%10.10%10.41%11.09%11.06%10.84%10.89%10.85%10.85%
No. of Shareholders58,40275,50285,20799,0081,09,7031,19,3661,22,1831,15,9801,07,1001,01,79099,7071,10,913

Oracle Financial Services Software Ltd Shareholding Pattern Chart

No. of Oracle Financial Services Software Ltd Shareholders

Oracle Financial Services Software Ltd Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
HDFC Mid-Cap Opportunities Fund - Regular Plan1,176,6360.91471.951,176,6362024-06-110%
Parag Parikh Flexi Cap Fund417,6790.35167.531,176,6362024-06-11-64.5%
Tata Equity P/E Fund - Regular Plan203,8671.2681.771,176,6362024-06-11-82.67%
Tata Equity P/E Fund - Regular Plan - Trigger Option A 5%203,8671.2681.771,176,6362024-06-11-82.67%
UTI MNC Fund190,1462.8976.271,176,6362024-06-11-83.84%
Tata Large & Mid Cap Fund - Regular Plan180,0001.2672.21,176,6362024-06-11-84.7%
Tata Large & Mid Cap Fund - Regular Plan180,0001.2672.21,176,6362024-06-11-84.7%
Kotak Equity Arbitrage Fund - Regular Plan160,2000.264.261,176,6362024-06-11-86.38%
NJ Balanced Advantage Fund115,7431.2546.421,176,6362024-06-11-90.16%
UTI Large & Mid Cap Fund111,4352.0544.71,176,6362024-06-11-90.53%

Oracle Financial Services Software Ltd ROCE Trend

Oracle Financial Services Software Ltd EPS Trend

Oracle Financial Services Software Ltd Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue5.005.005.005.005.00
Basic EPS (Rs.)256.39209.14219.19204.90170.38
Diluted EPS (Rs.)254.76208.25218.04203.99169.66
Cash EPS (Rs.)264.63218.38229.76216.82182.65
Book Value[Excl.RevalReserv]/Share (Rs.)906.73863.32823.19795.79764.97
Book Value[Incl.RevalReserv]/Share (Rs.)906.73863.32823.19795.79764.97
Revenue From Operations / Share (Rs.)735.30678.90605.41579.11566.05
PBDIT / Share (Rs.)360.52308.25305.32302.17280.16
PBIT / Share (Rs.)351.95298.91294.56290.08267.77
PBT / Share (Rs.)348.71297.45293.15287.85262.26
Net Profit / Share (Rs.)256.06209.05219.00204.72170.26
NP After MI And SOA / Share (Rs.)256.06209.05219.00204.72170.26
PBDIT Margin (%)49.0345.4050.4352.1749.49
PBIT Margin (%)47.8644.0248.6550.0947.30
PBT Margin (%)47.4243.8148.4249.7046.33
Net Profit Margin (%)34.8230.7936.1735.3530.07
NP After MI And SOA Margin (%)34.8230.7936.1735.3530.07
Return on Networth / Equity (%)28.2424.2126.6025.7222.25
Return on Capital Employeed (%)35.2431.5632.7933.5932.50
Return On Assets (%)22.3319.4721.6221.2618.22
Asset Turnover Ratio (%)0.660.570.520.510.57
Current Ratio (X)5.986.556.727.356.32
Quick Ratio (X)5.986.556.727.356.32
Dividend Payout Ratio (NP) (%)0.000.0091.1887.810.00
Dividend Payout Ratio (CP) (%)0.000.0086.9182.910.00
Earning Retention Ratio (%)0.000.008.8212.190.00
Cash Earning Retention Ratio (%)0.000.0013.0917.090.00
Interest Coverage Ratio (X)111.16210.45215.82135.9550.80
Interest Coverage Ratio (Post Tax) (X)79.96143.72155.8193.1031.87
Enterprise Value (Cr.)70438.9222731.4425853.1922617.1012957.87
EV / Net Operating Revenue (X)11.053.884.954.542.67
EV / EBITDA (X)22.548.549.828.705.39
MarketCap / Net Operating Revenue (X)11.924.815.935.523.59
Retention Ratios (%)0.000.008.8112.180.00
Price / BV (X)9.673.784.364.022.66
Price / Net Operating Revenue (X)11.924.815.935.523.59
EarningsYield0.020.060.060.060.08

Oracle Financial Services Software Ltd Profitability Ratios (%)

Oracle Financial Services Software Ltd Liquidity Ratios

Oracle Financial Services Software Ltd Liquidity Ratios (%)

Oracle Financial Services Software Ltd Interest Coverage Ratios (%)

Oracle Financial Services Software Ltd Valuation Ratios

Fair Value

Fair Value: 9,214.19

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.

Undervalued: 5.50% compared to the current price 8734

Intrinsic Value: 9,997.84

Calculation basis:

  • Fair 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 fair value of the stock by analyzing its fundamental indicators along with EPS growth.

Undervalued: 14.47% compared to the current price ₹8734

Last 5 Year EPS CAGR: 8.50%

*Investments are subject to market risks

Strength and Weakness of Oracle Financial Services Software Ltd

StrengthWeakness
  1. The stock has a high average ROCE of 34.17%, which is a positive sign.
  2. The stock has a low average Working Capital Days of 13.25, which is a positive sign.
  3. The company has higher reserves (5,957.62 cr) compared to borrowings (30.08 cr), indicating strong financial stability.
  4. The company has shown consistent growth in sales (4.08 cr) and profit (1.67 cr) over the years.
  1. The stock has a high average Cash Conversion Cycle of 68.25, which may not be favorable.

Should I Buy Oracle Financial Services Software Ltd Now?

  • 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: 34.82%
      • 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: 35.24% (Industry Average ROCE: 14.12%)
      • 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%: 28.24% (Industry Average ROE: 12.42%)
      • 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): 79.96
      • 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: 5.98
      • 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: 34.1 (Industry average Stock P/E: 60.22)
      • 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: N/A
      • 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:

FAQ

What is the latest fair value of Oracle Financial Services Software Ltd?

The latest fair value of Oracle Financial Services Software Ltd is ₹9214.19.

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

The Market Cap of Oracle Financial Services Software Ltd is 75,729 Cr..

What is the current Stock Price of Oracle Financial Services Software Ltd as on 13 June 2024?

The current stock price of Oracle Financial Services Software Ltd as on 13 June 2024 is ₹8,734.

What is the High / Low of Oracle Financial Services Software Ltd stocks in FY 2024?

In FY 2024, the High / Low of Oracle Financial Services Software Ltd stocks is 9,023/3,708.

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

The Stock P/E of Oracle Financial Services Software Ltd is 34.1.

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

The Book Value of Oracle Financial Services Software Ltd is 907.

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

The Dividend Yield of Oracle Financial Services Software Ltd is 2.73 %.

What is the ROCE of Oracle Financial Services Software Ltd?

The ROCE of Oracle Financial Services Software Ltd is 39.5 %.

What is the ROE of Oracle Financial Services Software Ltd?

The ROE of Oracle Financial Services Software Ltd is 29.0 %.

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

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

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

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