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Oracle Financial Services Software Limited OFSS NIFTY_MIDNSEAITECH

Technology · Software - Infrastructure · India
https://www.oracle.com/financial-services
Company Profile ↓
₹12,058.00
+47.95% 1Y
Mkt Cap₹1.05 L Cr
P/E39.91
P/B14.84
Div. Yield5.67%
52W High₹12,540.00
52W Low₹6,126.48
Book Value₹899.23
EPS (TTM)₹302.11

Company Overview

Oracle Financial Services Software Limited, together with its subsidiaries, provides information technology (IT) solutions to the financial services industry worldwide. It operates in two segments, Product Licenses and Related Activities; and IT Solutions and Consulting Services. The company offers Oracle FLEXCUBE; Oracle FLEXCUBE Investor Servicing; Oracle Banking Digital Experience; Oracle Financial Services Lending and Leasing; and Oracle Banking APIs. It also provides Oracle FLEXCUBE Universal Banking; Oracle Banking Platform; Oracle Banking Enterprise Limits and Collateral Management; Oracle FLEXCUBE for Islamic banking and microfinance; Oracle Banking Branch; Oracle Banking Origination; Oracle Banking Cash Management; Oracle Banking Liquidity Management; Oracle Banking Corporate Lending; Oracle Banking Supply Chain Finance; Oracle Banking Trade Finance; Oracle Banking Treasury Management; Oracle Banking Virtual Accounts Management; Oracle Banking Payments; and Oracle Banking Credit Facilities Process Management, as well as Asset Finance, Oracle Banking Collections and Recovery, and Oracle Documaker solutions. In addition, the company offers Oracle Financial Services Data Management Solutions, as well as cloud infrastructure, risk and finance, human capital management, and data management for financial services; and bancassurance solutions. Further, it provides a suite of industry applications catering to the areas of risk, finance, treasury, front office, regulatory reporting, and compliance; and Oracle Finergy that enables financial services enterprises to drive simplicity using technology, as well as consulting and business process services business. The company was incorporated in 1989 and is headquartered in Mumbai, India. Oracle Financial Services Software Limited operates as a subsidiary of Oracle Global (Mauritius) Limited.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 33.7%, reflecting efficient use of shareholder capital.

Healthy Capital Returns

Return on capital employed stands at 43.2%.

Consistent Profit Growth

Net profit has compounded at 13.5% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 10.4% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 34.4%.

Dividend Income

Offers a dividend yield of 5.67%.

Recent Developments

  • Mar 2026 Revenue of ₹7,672.10 Cr (+12.1% YoY); net profit ₹2,639.30 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +12.0%, earnings +10.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 10.4%, profit CAGR 13.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:10.42%
1 Year:12.05%

Compounded Profit Growth

5 Years:13.48%
1 Year:10.91%

Stock Price Performance

1 Year:+47.95%
6 Months:+84.63%
3 Months:+25.09%
1 Month:+2.75%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

AI Exposure AI BFSI Software / AI in Core Banking
Core Focus

Oracle Financial Services Software embeds AI/ML in FLEXCUBE core banking and Mantas (anti-money laundering AI). Tier-1 banks globally using OFSS AI for fraud, AML, customer 360 and treasury analytics.

Key Initiatives
  • AI in core banking (Flexcube) Oracle Financial Services Software embeds AI/ML into its Flexcube core-banking and analytics products used by banks worldwide.
  • AI for financial crime & compliance Machine-learning-driven anti-money-laundering, fraud and compliance analytics are a high-value, sticky product line.
  • Cloud + Oracle AI stack Integration with Oracle's cloud and AI services strengthens its enterprise-banking value proposition.
Why Investors Should Care
  • Exceptional returns (ROE ~33%, ROCE ~45%) from a global banking-software product franchise.
  • AI in compliance and analytics deepens stickiness and pricing power.
  • Strong free cash flow and high margins support generous dividends.
  • Licence-revenue lumpiness and Oracle-parent dependence are the main risks.
AI InvestmentBacked by Oracle's massive AI investment globally. Local product engineering centres in Bangalore, Mumbai, Pune.
AI RevenueRevenue ~₹6,000-7,000 Cr; license + cloud subscription with AI features increasingly bundled.
ROI (Now)Operating margin >40% — among the most profitable Indian software firms. Strong cash generation, regular special dividends.
ROI (Expected)Steady AI-led upgrade cycle for FLEXCUBE customers expected to drive cloud subscription growth.

Curated from public filings and analyst commentary; figures are illustrative.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 33.7%.
  • Healthy ROCE of 43.2%.
  • Excellent profit margin of 34.4%.
  • Compounding revenue at 10.4% over 5 years.
  • Profit CAGR of 13.5% over 5 years.
  • Attractive dividend yield of 5.67%.

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
39.91
Industry PE
27.95
Forward P/E
26.60
PEG Ratio
-
Book Value
₹899.23
Price to Book
14.84
P/S
11.49
EV/EBITDA
21.85
Dividend Yield
5.67%

Growth (CAGR)

Revenue 5Y
10.42%
Profit 5Y
13.48%
Revenue (YoY)
12.05%
Earnings (YoY)
10.91%

Profitability & Returns

ROCE
43.24%
ROE
33.72%
ROA
26.57%
Profit Margin
34.40%
Op Margin
44.76%
Gross Margin
60.38%
EPS (Latest Qtr)
₹162.59
EPS (TTM)
₹302.11

Balance Sheet & Liquidity

Debt/Equity
0.42
Quick Ratio
3.95
Current Ratio
5.44
Debt
₹32.50 Cr
Total Assets
₹9,933.90 Cr
Current Assets
₹7,704.20 Cr
Working Capital
₹6,286.70 Cr

Ownership

Promoter Holding
72.46%
Chg in Prom Hold
-0.01%
FII / Inst Holding
13.35%
Chg in FII Hold
0.14%

Financial Snapshot

Enterprise Value
₹1.05 L Cr
Total Revenue (TTM)
₹7,672.10 Cr
EBITDA
₹3,748.20 Cr
Free Cash Flow
₹2,586.60 Cr
Operating Cash Flow
₹2,638.30 Cr
Shares Outstanding
₹8.70 Cr
Gross Margin
60.38%
Payout Ratio
102.25%

Peer comparison

Peer companies in the same sector (Technology).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 OFSS Oracle Financial Services Software Limited NIFTY_MIDNSEAITECH 12,058.00 39.91 ₹1.05 L Cr 5.67% 43.24% 33.72% 10.42% 13.48%
2 TCS Tata Consultancy Services Limited NIFTY50NSEAITECH 2,304.00 16.94 ₹8.34 L Cr 2.74% 54.93% 45.89% 5.80% 5.30%
3 INFY Infosys Limited NIFTY50NSEAITECH 1,130.00 1,412.50 ₹4.58 L Cr 4.29% 41.66% 33.85% 3.44% 3.58%
4 HCLTECH HCL Technologies Limited NIFTY50NSEAITECH 1,293.40 21.08 ₹3.51 L Cr 4.49% 27.21% 22.14% 8.65% 3.87%
5 WIPRO Wipro Limited NIFTY50NSEAITECH 176.40 14.04 ₹1.85 L Cr 4.30% 17.85% 14.91% 0.78% 5.16%
6 TECHM Tech Mahindra Limited NIFTY50NSEAITECH 1,596.90 29.47 ₹1.56 L Cr 3.12% 19.82% 16.24% 2.16% -0.14%
7 LTM LTM Limited NSETECH 4,554.00 26.93 ₹1.35 L Cr 1.66% 25.39% 20.89% 8.43% 4.41%
8 LGEINDIA LG ELECTRONICS INDIA LTD NIFTY_MIDNSETECH 1,640.70 66.08 ₹1.11 L Cr 0.00% 27.64% 21.98% 1.25% -
9 PAYTM One97 Communications Limited NIFTY_MIDNSEAITECH 1,659.50 194.09 ₹1.06 L Cr 0.00% 3.68% 3.45% 2.20% 43.71%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 1,471.00 Cr1,462.00 Cr1,444.00 Cr1,824.00 Cr1,642.00 Cr1,741.00 Cr--1,716.30 Cr1,852.20 Cr1,789.00 Cr1,965.90 Cr2,065.20 Cr3,125.20 Cr
Cost of Revenue --------811.00 Cr839.00 Cr-957.20 Cr822.60 Cr1,075.30 Cr
Gross Profit --------905.30 Cr1,013.20 Cr-1,008.70 Cr1,242.60 Cr2,049.90 Cr
Operating Expenses 820.00 Cr841.00 Cr886.00 Cr955.00 Cr908.00 Cr894.00 Cr--157.50 Cr184.60 Cr1,034.00 Cr204.90 Cr201.70 Cr188.10 Cr
Operating Income 632.00 Cr604.00 Cr539.00 Cr849.00 Cr716.00 Cr829.00 Cr--747.80 Cr828.60 Cr739.00 Cr803.80 Cr1,040.90 Cr1,861.80 Cr
EBITDA 651.00 Cr622.00 Cr558.00 Cr868.00 Cr734.00 Cr847.00 Cr--764.70 Cr846.30 Cr755.00 Cr880.10 Cr1,056.30 Cr1,954.10 Cr
Interest Expense 8.00 Cr-3.00 Cr8.00 Cr9.00 Cr14.00 Cr5.00 Cr8.40 Cr--7.80 Cr-8.00 Cr6.90 Cr-70.00 L
Pretax Income 686.00 Cr707.00 Cr596.00 Cr934.00 Cr785.00 Cr873.00 Cr--839.00 Cr905.40 Cr797.00 Cr857.40 Cr1,120.10 Cr1,938.70 Cr
Tax Provision 205.80 Cr205.03 Cr178.80 Cr196.14 Cr227.65 Cr253.17 Cr--195.10 Cr263.50 Cr255.04 Cr247.80 Cr278.40 Cr523.20 Cr
Net Income 479.00 Cr501.00 Cr417.00 Cr741.00 Cr560.00 Cr617.00 Cr--643.90 Cr641.90 Cr546.00 Cr609.60 Cr841.70 Cr1,415.50 Cr
Diluted EPS 55.4857.9248.2085.5164.6271.12--73.7673.5262.8269.7996.36162.59

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 3,905.00 Cr4,131.00 Cr4,427.00 Cr4,527.00 Cr4,959.00 Cr4,861.00 Cr4,984.00 Cr-5,698.31 Cr6,373.00 Cr6,846.80 Cr7,672.10 Cr
Cost of Revenue --------2,774.17 Cr2,725.50 Cr2,907.70 Cr3,039.90 Cr
Gross Profit --------2,924.14 Cr3,647.50 Cr3,939.10 Cr4,632.20 Cr
Operating Expenses 2,354.00 Cr2,520.00 Cr2,693.00 Cr2,716.00 Cr2,814.00 Cr2,633.00 Cr2,515.00 Cr-3,282.42 Cr868.60 Cr930.60 Cr1,198.20 Cr
Operating Income 1,483.00 Cr1,559.00 Cr1,664.00 Cr1,750.00 Cr2,091.00 Cr2,123.00 Cr2,365.00 Cr-2,415.89 Cr2,778.90 Cr3,008.50 Cr3,434.00 Cr
EBITDA 1,551.00 Cr1,612.00 Cr1,734.00 Cr1,811.00 Cr2,145.00 Cr2,229.00 Cr2,469.00 Cr-2,663.22 Cr3,124.70 Cr3,382.00 Cr3,748.20 Cr
Interest Expense 0000047.00 Cr19.00 Cr-12.65 Cr28.10 Cr2.00 Cr2.70 Cr
Pretax Income 1,831.00 Cr1,748.00 Cr1,757.00 Cr1,840.00 Cr2,267.00 Cr2,252.00 Cr2,477.00 Cr-2,569.90 Cr3,022.30 Cr3,310.90 Cr3,680.10 Cr
Tax Provision 640.85 Cr699.20 Cr579.81 Cr607.20 Cr884.13 Cr788.20 Cr718.33 Cr-763.76 Cr802.90 Cr931.30 Cr1,040.80 Cr
Net Income 1,192.00 Cr1,049.00 Cr1,185.00 Cr1,237.00 Cr1,386.00 Cr1,462.00 Cr1,762.00 Cr-1,806.14 Cr2,219.40 Cr2,379.60 Cr2,639.30 Cr
Diluted EPS 140.91123.61139.28144.82161.57170.26204.72-208.25254.76272.52302.11

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 6,269.00 Cr5,685.00 Cr6,020.00 Cr5,933.00 Cr6,128.00 Cr7,920.00 Cr8,153.00 Cr-9,275.54 Cr9,935.70 Cr10,135.00 Cr9,933.90 Cr
Current Assets --------7,168.88 Cr7,651.40 Cr7,945.80 Cr7,704.20 Cr
Cash & Equivalents --------2,036.27 Cr3,479.40 Cr1,209.90 Cr1,482.50 Cr
Inventory ------------
Receivables --------1,083.37 Cr1,319.30 Cr1,183.70 Cr1,351.40 Cr
Total Liabilities --------1,816.63 Cr2,076.90 Cr1,772.60 Cr2,107.40 Cr
Current Liabilities --------1,094.13 Cr1,279.80 Cr1,150.90 Cr1,417.50 Cr
Long Term Debt ------------
Total Debt 00000115.00 Cr70.00 Cr-69.40 Cr43.00 Cr45.60 Cr32.50 Cr
Total Equity 3,444.00 Cr4,674.00 Cr3,264.00 Cr4,708.00 Cr4,937.00 Cr6,570.00 Cr6,849.00 Cr-7,458.91 Cr7,858.80 Cr8,362.40 Cr7,826.50 Cr
Shares Outstanding --------8.64 Cr8.67 Cr8.69 Cr8.70 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 1,060.00 Cr712.00 Cr1,121.00 Cr1,157.00 Cr1,380.00 Cr1,522.00 Cr1,920.00 Cr-1,758.41 Cr1,790.70 Cr2,198.90 Cr2,638.30 Cr
Investing Cash Flow 3,701.00 Cr1,018.00 Cr1,823.00 Cr-1,313.00 Cr220.00 Cr-1,299.00 Cr34.00 Cr-137.14 Cr1,598.00 Cr-2,452.60 Cr936.20 Cr
Financing Cash Flow -4,690.00 Cr-1,776.00 Cr-931.00 Cr-1,630.00 Cr-1,250.00 Cr-47.00 Cr-1,590.00 Cr--1,665.48 Cr-1,958.50 Cr-2,096.10 Cr-3,448.90 Cr
Capital Expenditure -13.00 Cr-26.00 Cr-57.00 Cr-30.00 Cr-77.00 Cr-50.00 Cr-17.00 Cr--38.13 Cr-30.10 Cr-35.20 Cr-51.70 Cr
Free Cash Flow 1,047.00 Cr686.00 Cr1,064.00 Cr1,127.00 Cr1,303.00 Cr1,472.00 Cr1,903.00 Cr-1,720.29 Cr1,760.60 Cr2,163.70 Cr2,586.60 Cr
Net Change in Cash 72.00 Cr-45.00 Cr2,013.00 Cr-1,785.00 Cr350.00 Cr175.00 Cr363.00 Cr-230.07 Cr1,430.20 Cr-2,349.80 Cr125.60 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % --------51.3%57.2%57.5%60.4%
Operating Margin % 38.0%37.7%37.6%38.7%42.2%43.7%47.5%-42.4%43.6%43.9%44.8%
Net Margin % 30.5%25.4%26.8%27.3%27.9%30.1%35.4%-31.7%34.8%34.8%34.4%
ROE % 34.6%22.4%36.3%26.3%28.1%22.3%25.7%-24.2%28.2%28.5%33.7%
ROCE % --------29.5%32.1%33.5%40.3%

Shareholding Pattern

Insiders
72.46%
Institutions
13.35%
Public Float
48.46%

Analyst View

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Latest News

Recent headlines for OFSS

Google News Sun, 06 Sep 2026

Oracle Financial Services Software publishes Q1FY27 results in newspapers - scanx.trade

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Google News Sat, 25 Jul 2026

Oracle Financial Services Software Limited Just Beat EPS By 29%: Here's What Analysts Think Will Happen Next - simplywall.st

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Google News Mon, 29 Jun 2026

Oracle Financial Services wins top Chartis nod in four lending categories - Stock Titan

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Google News Mon, 13 Jul 2026

Oracle Financial zooms 92% from March low; what's driving stock price? - Business Standard

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Google News ue, 21 Jul 2026

This One IT Stock Rallied Over 50% While Tech Shares Struggled To Escape A Bear Market - NDTV Profit

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Google News hu, 25 Jun 2026

OFSS Forecast — Price Target — Prediction for 2027 - TradingView

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OFSS — Frequently Asked Questions

What is the current share price of Oracle Financial Services Software Limited (OFSS)?

As of 2026-09-08 04:53 IST, Oracle Financial Services Software Limited (OFSS) trades at ₹12,058.00 on NSE. Its 52-week range is ₹6,126.48 to ₹12,540.00.

What is the market capitalisation of OFSS?

Oracle Financial Services Software Limited (OFSS) has a market capitalisation of ₹1.05 L Cr on NSE.

What is the P/E ratio of OFSS?

OFSS trades at a trailing price-to-earnings (P/E) ratio of 39.91. The industry average P/E is 27.95. Its price-to-book (P/B) ratio is 14.84.

Does OFSS pay a dividend?

Oracle Financial Services Software Limited (OFSS) currently offers a dividend yield of 5.67%.

What is the return on equity (ROE) of OFSS?

OFSS has a return on equity (ROE) of 33.72%. Its return on capital employed (ROCE) is 43.24%.

Is OFSS a good stock to buy?

This page provides a data-driven analysis of Oracle Financial Services Software Limited (OFSS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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