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Oracle Financial Services Software Limited
(OFSS)
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Rating:84Outperform
Price Target:
₹13,392.00
▲(25.62% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by outstanding financial performance (strong growth, exceptional margins, minimal leverage, and high-quality cash conversion). Technicals add support with a clear uptrend and positive momentum signals. Valuation moderately tempers the rating due to a relatively high P/E, though the dividend yield provides some offset.
Positive Factors
Very low leverage and strong balance sheet
Extremely low debt-to-equity (~0.006) gives durable financial flexibility, very low refinancing risk, and capacity to fund capex, M&A, or cyclical downturns from internally generated resources without pressuring liquidity or raising funding costs.
Negative Factors
Sustainability risk of recent growth and margins
Margins and growth are already very high historically, making further expansion harder and exposing results to mean reversion. Competitive pricing pressure, large-contract timing, or slower bank modernization could materially temper profit and revenue momentum over months.
Read all positive and negative factors
Positive Factors
Negative Factors
Very low leverage and strong balance sheet
Extremely low debt-to-equity (~0.006) gives durable financial flexibility, very low refinancing risk, and capacity to fund capex, M&A, or cyclical downturns from internally generated resources without pressuring liquidity or raising funding costs.
Read all positive factors
Oracle Financial Services Software Limited (OFSS) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.02T
Dividend Yield3.41%
Average Volume (3M)11.53K
Price to Earnings (P/E)30.1
Beta (1Y)0.93
Revenue Growth28.57%
EPS Growth41.59%
CountryIN
Employees9,155
SectorGeneral
Sector StrengthN/A
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)392.23
Shares Outstanding87,075,510
10 Day Avg. Volume5,276
30 Day Avg. Volume11,533
Financial Highlights & Ratios
PEG Ratio2.08
Price to Book (P/B)7.48
Price to Sales (P/S)7.63
P/FCF Ratio20.65
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)361.2
Revenue Forecast (FY)₹87.40B
Oracle Financial Services Software Limited Business Overview & Revenue Model
Company Description
Oracle Financial Services Software Limited is a global provider of information technology (IT) solutions and business process services tailored for the financial industry. The company operates through two primary segments: the licensing of its pro...
How the Company Makes Money
OFSS primarily makes money by selling and supporting enterprise software used by financial institutions, along with services that help customers implement and operate that software.
1) Software licensing and subscriptions
- License fees: OFSS ear...
Oracle Financial Services Software Limited Financial Statement Overview
Summary
Income Statement
92
Very Positive
Balance Sheet
96
Very Positive
Cash Flow
90
Very Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 89.45B | 76.72B | 68.47B | 63.73B | 56.98B | 52.21B |
| Gross Profit | 47.87B | 37.77B | 36.17B | 33.72B | 29.10B | 28.05B |
| EBITDA | 47.14B | 37.48B | 30.53B | 27.54B | 24.37B | 24.61B |
| Net Income | 34.13B | 26.39B | 23.80B | 22.19B | 18.06B | 18.89B |
Balance Sheet | ||||||
| Total Assets | 92.56B | 99.34B | 101.35B | 99.36B | 92.76B | 87.35B |
| Cash, Cash Equivalents and Short-Term Investments | 47.73B | 55.10B | 63.11B | 54.45B | 54.66B | 50.13B |
| Total Debt | 393.00M | 325.00M | 456.00M | 429.61M | 694.02M | 833.85M |
| Total Liabilities | 23.28B | 21.07B | 17.73B | 20.77B | 18.17B | 16.35B |
| Stockholders Equity | 69.27B | 78.27B | 83.62B | 78.59B | 74.59B | 71.00B |
Cash Flow | ||||||
| Free Cash Flow | 35.67B | 28.34B | 21.64B | 17.61B | 17.20B | 18.19B |
| Operating Cash Flow | 36.01B | 28.86B | 21.99B | 17.91B | 17.58B | 18.56B |
| Investing Cash Flow | 256.00M | 6.89B | -24.53B | 15.98B | 1.37B | -1.67B |
| Financing Cash Flow | -34.91B | -34.49B | -20.96B | -19.58B | -16.65B | -17.33B |
Oracle Financial Services Software Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ₹1.02T | 30.10 | ― | 3.75% | 28.57% | 41.59% | |
75 Outperform | ₹1.38T | 26.78 | ― | 2.80% | 13.87% | 10.72% | |
73 Outperform | ₹785.78B | 36.06 | ― | 1.06% | 34.67% | 65.26% | |
69 Neutral | ₹18.24B | 17.48 | ― | 1.71% | 1.66% | -37.05% | |
63 Neutral | ₹101.14B | 28.40 | ― | 0.55% | 22.59% | -0.57% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
52 Neutral | ₹5.33B | 14.41 | ― | ― | -2.21% | -53.39% |
* General Sector Average
IN:OFSS
Oracle Financial Services Software Limited
11,725.60
3,682.88
45.79%
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Oracle Financial Services Software Limited Corporate Events
Oracle Financial Services publishes Q1 FY27 results in leading dailies
Jul 24, 2026
Oracle Financial Services Software Limited has notified stock exchanges that it has published its financial results for the three-month period ended June 30, 2026 in the Business Standard (English) and Sakal (Marathi) newspapers. The company also ...
Oracle Financial Services Software Announces Trading Window Closure Ahead of Quarterly Results
Jun 30, 2026
Oracle Financial Services Software Limited has announced the closure of its trading window for dealings in the company’s equity shares from July 1, 2026, in line with its Code of Conduct and SEBI’s Prohibition of Insider Trading Regula...
Oracle Financial Services Software Expands Equity Base via ESOP Allotment
Jun 17, 2026
Oracle Financial Services Software Limited has allotted 7,810 equity shares of face value Rs. 5 each to eligible employees who exercised stock options under the OFSS Stock Plan 2014, with no shares allotted to directors. Following this employee st...
Oracle Promoter Entity Confirms OFSS Shares Unencumbered for FY 2026
Jun 10, 2026
Oracle Global (Mauritius) Limited, along with Oracle Corporation and other persons acting in concert, has informed Indian stock exchanges that none of its shares in Oracle Financial Services Software Limited were encumbered during the financial ye...
Oracle Financial Services Software Finalises Perpetual Licence Deal With Global U.S. Bank
May 27, 2026
Oracle Financial Services Software Limited has confirmed that all conditions precedent have been satisfied for a previously announced deal with a long-standing U.S.-headquartered global bank customer, under which the company will grant a perpetual...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.