OFSSInformation Technology

Oracle Financial Services Software Limited

Software Products · ISIN INE881D01027 · BSE 532466 · NSE EQ · FV ₹5
Last price
₹10,194
+2.87%today
What this company does

Oracle Financial Services Software Limited operates in Software Products, part of the Information Technology sector. It booked ₹1,907 cr of revenue in its latest quarter (Q2 FY27) and kept 36.8% of sales as profit. It is the largest of 9 Software Products companies we track, by market value.

“Oracle Financial Services Software Limited is a global leader in providing world class application software products and services for the Financial Services Industry. Our solutions empower financial institutions to become more responsive, agile, collaborative, and insightful in their business. The products business is our principal business segment.”
In the report:
76out of 100
Equitytale Health Score
Solid

Healthier than 76% of companies in Information Technology, on all six measures of filed financials. Each measure is ranked against the 43–127 companies that reported it.

Measures financial condition, not whether to buy. Learn what this score means · How this is calculated

Price momentum
neutral
RSI (14)
40

At close. Not part of the score.

Profitability & returns97

How much profit it earns on the money it employs

Balance sheet99

How much it owes, and whether earnings cover the interest · highest in its sector on what we could measure

Cash quality75

Whether reported profit actually arrives as cash

Growth & consistency61

Whether sales and profit have grown, and how steadily

Valuation7

What today's price implies, against our models or its peers

Governance & risk100

How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure

Is this company doing well?
not investment advice
Strengths
✓ Makes a profit
✓ Strong 37% net margin
✓ Sales up 7% vs last year
✓ Profit up 29% vs last year
✓ Promoters hold 72%
✓ No promoter shares pledged
✓ Strong 37% return on equity
✓ Virtually debt-free
✓ Turns profit into real cash
Watch-outs
None flagged from our data

What if I invest in OFSS?

Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.

You would put in
₹12.00 lakh
120 instalments
At 10% a year, it would become
₹20.15 lakh

The slider starts at 10%, taken from this company's own free-cash-flow trend. That is history, not a forecast — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.

Key ratios · latest quarter + price
₹10,194▲ +2.87%
latest close · 2026-11-04
1-year return
+115.2%
52-wk low ₹2,95052-wk high ₹12,540
Is it cheap or expensive?
What you pay for the profits, book value and cash flow. Higher isn't automatically worse — it can signal faster growth.
P/E ratio31.6High
LowAverageHigh
P/B ratio11.56High
Below bookModerateHigh
EV / EBITDA22.0High
LowAverageHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity36.5%Strong
WeakFairStrong ▸15%
Return on capital46.6%Strong
WeakFairStrong
Net margin36.8%Strong
ThinDecentStrong
EBITDA margin52.0%Healthy
ThinDecentHealthy
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity0.00Comfortable
LowModerateHigh ▸1
Interest cover888.5×Strong
RiskyOkayStrong ▸5×
Current ratio5.47Ample
Tight ◂1HealthyAmple
More figures
Market cap
₹88,892 cr
Book value
₹882
EPS
₹80.66
latest quarter
Net debt
₹-1,615 cr
more cash than debt
Enterprise value
₹87,277 cr
EBITDA
₹3,964 cr
annualised
EBIT
₹3,909 cr
annualised
Operating margin
51.3%
Return on assets
28.7%
Earnings yield
3.16%
P/S
11.66
Sales / share
₹874.6
Tax rate
28.0%
Face value
₹5
Shares
8.7 cr
Working capital
₹6,241 cr
Current assets
₹7,638 cr
Current liabilities
₹1,398 cr
Delivery %
38.2%
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-04.

Worth vs price · from the FY 2026 report & filings
not investment advice
Looks overpricedMedium confidence
Median of 2 models ₹4,442 vs market price ₹10,194 — price is 129% above it
Safety cushion-129.5%(target ≥ +20%)
Models span ₹3,293–₹5,592, midpoint ₹4,442
Model ₹4,442
Price ₹10,194
Cheap sideExpensive side

An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.

P&L · Q2 FY27 (consolidated)
Revenue from Operations₹1,907 cr
Other Income₹66 cr
Total Income₹1,972 cr
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹783 cr
Finance Costs₹1 cr
Depreciation & Amortisation₹14 cr
Other Expenses₹198 cr
Total Expenses₹996 cr
Profit before Tax₹976 cr
Tax Expense₹274 cr
Net Profit₹702 cr
Net margin on total income35.6%
Where the money goes · Q2 FY27
% of total income
Employee benefit expense₹783 cr39.7%
Finance costs₹1 cr0.1%
Depreciation & amortisation₹14 cr0.7%
Other expenses₹198 cr10.0%
Tax expense₹274 cr13.9%
Profit for the period₹702 cr35.6%
Total income ₹1,972 cradds up to ₹100 ✓
Quarterly results · consolidated (₹ cr)
MetricQ4 FY26Q1 FY27Q2 FY27
Revenue2,065 cr3,125 cr1,907 cr
Total income2,137 cr3,203 cr1,972 cr
Expenses1,016 cr1,264 cr996 cr
Profit before tax1,120 cr1,939 cr976 cr
Tax278 cr523 cr274 cr
Net profit (owners' share)842 cr1,416 cr702 cr
Net margin (owners' share, on revenue)40.8%45.3%36.8%
EPS (₹)96.72162.5980.66
YoY (latest quarter): total income +6.3% · net profit +28.6%
Balance sheet & cash flow · as of Sep 2026
Debt-free
Total assets
₹9,795 cr
Shareholder equity
₹7,689 cr
parent shareholders
Total debt
₹0 cr
Cash
₹1,615 cr
Cash flow · H1 FY27
Operating
₹2,354 cr
Investing
₹109 cr
Financing
₹-2,356 cr
Peer comparison
Software Products · by market value
CompanyPriceMarket capP/E
Oracle Financial Services Software Limitedthis company₹9,910₹86,415 cr30.7
Tanla Platforms Limited₹662₹8,781 cr14.9
C.E. Info Systems Limited₹851₹4,659 cr23.4
Capillary Technologies India Limited₹508₹4,040 cr46.2
Ramco Systems Limited₹529₹1,994 cr1,890.2
Nucleus Software Exports Limited₹611₹1,610 cr18.9
Unicommerce Esolutions Limited₹81₹915 cr37.7
Subex Limited₹16₹914 cr15.6
Quick Heal Technologies Limited₹145₹785 cr35.1
Same industry · latest reported numbers · not a recommendation.
Corporate actions
Dividend yield
2.65%
trailing 12 months
Dividend / share (TTM)
₹270
Last dividend
₹270
ex 7 May 2026
ActionDetailEx-date
Dividend₹270 / share7 May 2026
Dividend₹130 / share3 Nov 2025
Dividend₹265 / share8 May 2025
Dividend₹240 / share7 May 2024
Dividend₹225 / share9 May 2023
Dividend₹190 / share13 May 2022
Who owns it · 2026-09-30
No pledge
Promoter
72.4%
FII / Foreign
11.4%
DII / Domestic
7.8%
Retail / others
8.4%
Promoter stake down 0.4% over the last 12 quarters.
Smart-money activity
Insider trades
SoldMr. ONKARNATH BANERJEE · Key Managerial Personnel100 · ₹11.7 L2 Dec 24
BoughtChad Randall Menke · -1,000 · ₹39.9 L20 Nov 24
BoughtMANISH BHANDARI · -300 · ₹1,50020 Nov 24
Bulk / block deals
short— · NSE5029 Oct 26
short— · NSE68127 Oct 26
short— · NSE419 Oct 26
Stake changes
SoldMansifed (Mauritius) Limited & Suffolk (Mauritius)Limited→ 3.66% · 22,0009 Oct 15
SoldMansfield (Mauritius) Limited / Suffolk (Mauritius) Limited→ 3.66% · 22,0009 Oct 15
What shareholders were asked to approve

A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.

Postal ballot · 2 Oct 2026
See the official result
1
Appointment of Mr. Avadhut Ketkar (DIN: 02353654) as the Managing Director and Chief Executive Officer of the Company.
Promoters had a personal stake in this
Backed by 98% of shareholders other than promotersneeded 50%
1.45 cr votes for, 3.42 L against · 2% of mutual funds and other big investors said no
2
Appointment of Mr. Andrew Mark Morawski (DIN: 11775252) as a Non-Executive, Non-Independent Director of the Company.
Backed by 95% of shareholders other than promotersneeded 50%
1.41 cr votes for, 8.14 L against · 6% of mutual funds and other big investors said no

Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.

Who controls this company, and what it pays them

Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.

The promoter group — 1 named members
owning 72.4% between them · as of 2026-09-30
ORACLE GLOBAL MAURITIUS LIMITED72.39%
Business done with them
FY2026 · 1 of the group
The company paid ₹2,491 cr to companies in the promoter group last year — about 32.5% of its ₹7,672 cr revenue.
Oracle Global (Mauritius) Limited
Other payments to them · Various, refer note below
also owns 72.39% of the company
₹2,491 cr
company paid

The company also transacted with 66 other related parties — subsidiaries, joint ventures, directors and others — that we could not match by name to the promoter list above. Some may still be connected to the family; we only count the ones the filings let us match with certainty.

Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.

How the stock has moved · adjusted for splits & bonuses
Data from primary exchange filings · analysis tool, not investment advice.