OFSSInformation Technology

Oracle Financial Services Software Limited

Software Products · ISIN INE881D01027 · BSE 532466 · NSE EQ · FV ₹5
Last price
₹11,620
+0.96%today
What this company does

Oracle Financial Services Software Limited operates in Software Products, part of the Information Technology sector. It booked ₹3,125 cr of revenue in its latest quarter (Q1 FY27) and kept 45.3% 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:
81out of 100
Equitytale Health Score
Fortress

Healthier than 81% of companies in Information Technology, on all six measures of filed financials. Each measure is ranked against the 67–123 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)
45

At close. Not part of the score.

Profitability & returns99

How much profit it earns on the money it employs · highest in its sector on what we could measure

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

Valuation40

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 45% net margin
Sales up 69% vs last year
Profit up 121% vs last year
Promoters hold 72%
No promoter shares pledged
Strong 72% 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
₹11,620 +0.96%
latest close · 2026-09-17
1-year return
+145.2%
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 ratio17.9Average
LowAverageHigh
P/B ratio12.92High
Below bookModerateHigh
EV / EBITDA12.7Average
LowAverageHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity72.3%Strong
WeakFairStrong ▸15%
Return on capital91.1%Strong
WeakFairStrong
Net margin45.3%Strong
ThinDecentStrong
EBITDA margin62.5%Healthy
ThinDecentHealthy
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity0.00Comfortable
LowModerateHigh ▸1
Interest cover2,770.6×Strong
RiskyOkayStrong ▸5×
Current ratio5.44Ample
Tight ◂1HealthyAmple
More figures
Market cap
₹1.01 L cr
Book value
₹900
EPS
₹162.59
latest quarter
Net debt
₹-1,488 cr
more cash than debt
Enterprise value
₹99,606 cr
EBITDA
₹7,816 cr
annualised
EBIT
₹7,758 cr
annualised
Operating margin
62.1%
Return on assets
57.0%
Earnings yield
5.60%
P/S
8.09
Sales / share
₹1,436.9
Tax rate
27.0%
Face value
₹5
Shares
8.7 cr
Working capital
₹6,287 cr
Current assets
₹7,704 cr
Current liabilities
₹1,418 cr
Delivery %
45.3%
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 2026-09-17.

Worth vs price · from the FY 2026 report & filings
not investment advice
Looks overpricedHigh confidence
Median of 3 models ₹5,197 vs market price ₹11,620 — price is 124% above it
Safety cushion-123.6%(target ≥ +20%)
Models span ₹3,359₹5,590, midpoint ₹5,197
Model ₹5,197
Price ₹11,620
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 · Q1 FY27 (consolidated)
Revenue from Operations₹3,125 cr
Other Income₹78 cr
Total Income₹3,203 cr
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹1,075 cr
Finance Costs₹70 L
Depreciation & Amortisation₹15 cr
Other Expenses₹173 cr
Total Expenses₹1,264 cr
Profit before Tax₹1,939 cr
Tax Expense₹523 cr
Net Profit₹1,416 cr
Net margin on total income44.2%
Where the money goes · Q1 FY27
% of total income
Employee benefit expense₹1,075 cr33.6%
Finance costs₹70 L0.0%
Depreciation & amortisation₹15 cr0.5%
Other expenses₹173 cr5.4%
Tax expense₹523 cr16.3%
Profit for the period₹1,416 cr44.2%
Total income ₹3,203 cradds up to ₹100 ✓
Quarterly results · consolidated (₹ cr)
MetricQ3 FY26Q4 FY26Q1 FY27
Revenue1,966 cr2,065 cr3,125 cr
Total income2,026 cr2,137 cr3,203 cr
Expenses1,169 cr1,016 cr1,264 cr
Profit before tax857 cr1,120 cr1,939 cr
Tax248 cr278 cr523 cr
Net profit (owners' share)610 cr842 cr1,416 cr
Net margin (owners' share, on revenue)31.0%40.8%45.3%
EPS (₹)70.0896.72162.59
YoY (latest quarter): total income +66.4% · net profit +120.5%
Balance sheet & cash flow · as of Mar 2026
Debt-free
Total assets
₹9,934 cr
Shareholder equity
₹7,827 cr
parent shareholders
Total debt
₹0 cr
Cash
₹1,488 cr
Cash flow · H1 FY26
Operating
₹1,030 cr
Investing
₹1,810 cr
Financing
₹-2,313 cr
Peer comparison
Software Products · by market value
CompanyPriceMarket capP/E
Oracle Financial Services Software Limitedthis company₹11,620₹1.01 L cr17.9
Tanla Platforms Limited₹495₹6,567 cr11.5
C.E. Info Systems Limited₹890₹4,872 cr24.5
Capillary Technologies India Limited₹449₹3,568 cr
Ramco Systems Limited₹565₹2,125 cr882.6
Nucleus Software Exports Limited₹691₹1,820 cr19.1
Subex Limited₹20₹1,118 cr19.1
Quick Heal Technologies Limited₹152₹827 cr
Unicommerce Esolutions Limited₹84₹806 cr43.1
Same industry · latest reported numbers · not a recommendation.
Corporate actions
Dividend yield
3.44%
trailing 12 months
Dividend / share (TTM)
₹400
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 · 2026-06-30
No pledge
Promoter
72.4%
FII / Foreign
9.7%
DII / Domestic
8.8%
Retail / others
9.1%
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 · NSE20015 Sep 26
short · NSE60531 Aug 26
short · NSE6028 Aug 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.

Yearly shareholder meeting · 24 Jul 2025
See the official result
1
To receive, consider and adopt the Audited Financial Statements (including the consolidated financial statements) of the Company for the financial year ended March 31, 2025 and the Reports of the Board of Directors and Auditors thereon.
Backed by 100% of shareholders other than promotersneeded 50%
1.33 cr votes for, 14,645 against · 0% of mutual funds and other big investors said no
2
To confirm the payment of interim dividend of Rs. 265 per equity share already paid, as the final dividend for the financial year ended March 31, 2025.
Backed by 100% of shareholders other than promotersneeded 50%
1.33 cr votes for, 13,796 against · 0% of mutual funds and other big investors said no
3
To appoint a Director in place of Mr. Harinderjit Singh (DIN: 06628566) who retires by rotation and being eligible, offers himself for re-appointment.
Backed by 94% of shareholders other than promotersneeded 50%
1.25 cr votes for, 8.18 L against · 6% of mutual funds and other big investors said no
4
To appoint a Director in place of Mr. Makarand Padalkar (DIN: 02115514) who retires by rotation and being eligible, offers himself for re-appointment.
Backed by 99% of shareholders other than promotersneeded 50%
1.32 cr votes for, 1.63 L against · 1% 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 2026-06-30
ORACLE GLOBAL MAURITIUS LIMITED72.41%
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 72.41% 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.