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5324

Oracle Financial Services SoftwareBSE:532466 Stock Report

Market Cap

₹412.1b

7D

-0.09%

1Y

45.9%

Updated

16 Oct, 2021

Data

Company Financials +
532466 fundamental analysis
Snowflake Score
Valuation1/6
Future Growth1/6
Past Performance5/6
Financial Health6/6
Dividends2/6

532466 Overview

Oracle Financial Services Software Limited provides information technology (IT) solutions and business processing services to the financial services industry worldwide.

Oracle Financial Services Software Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Oracle Financial Services Software
Historical stock prices
Current Share Price₹4,780.90
52 Week High₹2,933.05
52 Week Low₹4,960.70
Beta0.51
1 Month Change-0.52%
3 Month Change18.98%
1 Year Change45.89%
3 Year Change25.50%
5 Year Change45.69%
Change since IPO1,814.47%

Recent News & Updates

Shareholder Returns

532466IN SoftwareIN Market
7D-0.09%0.7%2.3%
1Y45.9%131.0%68.3%

Return vs Industry: 532466 underperformed the Indian Software industry which returned 133.5% over the past year.

Return vs Market: 532466 underperformed the Indian Market which returned 69.5% over the past year.

Price Volatility

Is 532466's price volatile compared to industry and market?
532466 volatility
532466 Beta0.51
Industry Beta0.97
Market Beta1

Stable Share Price: 532466 is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: 532466's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19897,977Chet Kamathttps://www.oracle.com/industries/financial-services/index.html

Oracle Financial Services Software Limited provides information technology (IT) solutions and business processing services to the financial services industry worldwide. It operates through three segments: Product Licenses and Related Activities, IT Solutions and Consulting Services, and Business Process Outsourcing Services. The company offers Oracle FLEXCUBE, a banking solution for retail, corporate and investment banking, consumer lending, asset management, and investor servicing with payments; Oracle Banking Digital Experience, a digital transformation providing digital account and loan origination, digital wallet, and mobile payments; Oracle Banking APIs that enables banks to build partnerships with third-party technology organizations; and Oracle Banking Platform, a suite of business applications for banks.

Oracle Financial Services Software Fundamentals Summary

How do Oracle Financial Services Software's earnings and revenue compare to its market cap?
532466 fundamental statistics
Market Cap₹412.07b
Earnings (TTM)₹18.06b
Revenue (TTM)₹50.80b

22.8x

P/E Ratio

8.1x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
532466 income statement (TTM)
Revenue₹50.80b
Cost of Revenue₹22.42b
Gross Profit₹28.38b
Expenses₹10.32b
Earnings₹18.06b

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

Oct 27, 2021

Earnings per share (EPS)209.57
Gross Margin55.87%
Net Profit Margin35.56%
Debt/Equity Ratio0%

How did 532466 perform over the long term?

See historical performance and comparison

Dividends

4.2%

Current Dividend Yield

95%

Payout Ratio

Valuation

Is Oracle Financial Services Software undervalued compared to its fair value and its price relative to the market?

22.81x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: 532466 (₹4780.9) is trading above our estimate of fair value (₹3879.47)

Significantly Below Fair Value: 532466 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: 532466 is good value based on its PE Ratio (22.8x) compared to the Indian Software industry average (32.1x).

PE vs Market: 532466 is poor value based on its PE Ratio (22.8x) compared to the Indian market (22.1x).


Price to Earnings Growth Ratio

PEG Ratio: 532466 is poor value based on its PEG Ratio (2.4x)


Price to Book Ratio

PB vs Industry: 532466 is overvalued based on its PB Ratio (7.2x) compared to the IN Software industry average (2.1x).


Future Growth

How is Oracle Financial Services Software forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

9.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 532466's forecast earnings growth (9.7% per year) is above the savings rate (6.7%).

Earnings vs Market: 532466's earnings (9.7% per year) are forecast to grow slower than the Indian market (19.2% per year).

High Growth Earnings: 532466's earnings are forecast to grow, but not significantly.

Revenue vs Market: 532466's revenue (9.4% per year) is forecast to grow slower than the Indian market (12.9% per year).

High Growth Revenue: 532466's revenue (9.4% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if 532466's Return on Equity is forecast to be high in 3 years time


Past Performance

How has Oracle Financial Services Software performed over the past 5 years?

8.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 532466 has high quality earnings.

Growing Profit Margin: 532466's current net profit margins (35.6%) are higher than last year (31.5%).


Past Earnings Growth Analysis

Earnings Trend: 532466's earnings have grown by 8.5% per year over the past 5 years.

Accelerating Growth: 532466's earnings growth over the past year (15.4%) exceeds its 5-year average (8.5% per year).

Earnings vs Industry: 532466 earnings growth over the past year (15.4%) underperformed the Software industry 44%.


Return on Equity

High ROE: 532466's Return on Equity (31.7%) is considered high.


Financial Health

How is Oracle Financial Services Software's financial position?


Financial Position Analysis

Short Term Liabilities: 532466's short term assets (₹53.4B) exceed its short term liabilities (₹10.0B).

Long Term Liabilities: 532466's short term assets (₹53.4B) exceed its long term liabilities (₹6.2B).


Debt to Equity History and Analysis

Debt Level: 532466 is debt free.

Reducing Debt: 532466 has not had any debt for past 5 years.

Debt Coverage: 532466 has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: 532466 has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


Dividend

What is Oracle Financial Services Software current dividend yield, its reliability and sustainability?

4.18%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: 532466's dividend (4.18%) is higher than the bottom 25% of dividend payers in the Indian market (0.33%).

High Dividend: 532466's dividend (4.18%) is in the top 25% of dividend payers in the Indian market (1.35%)


Stability and Growth of Payments

Stable Dividend: 532466 has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: 532466 has only been paying a dividend for 7 years, and since then payments have fallen.


Current Payout to Shareholders

Dividend Coverage: With its high payout ratio (95.3%), 532466's dividend payments are not well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

12.7yrs

Average management tenure


CEO

Chet Kamat (60 yo)

11yrs

Tenure

₹47,300,000

Compensation

Mr. Chaitanya M. Kamat, also known as Chet, has been the Chief Executive Officer and Managing Director of Oracle Financial Services Software Limited since October 25, 2010. Mr. Kamat serves as Managing Dir...


CEO Compensation Analysis

Compensation vs Market: Chet's total compensation ($USD629.37K) is about average for companies of similar size in the Indian market ($USD812.94K).

Compensation vs Earnings: Chet's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: 532466's management team is seasoned and experienced (12.7 years average tenure).


Board Members

Experienced Board: 532466's board of directors are considered experienced (5.4 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: 532466 insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Oracle Financial Services Software Limited's employee growth, exchange listings and data sources


Key Information


Number of Employees


Location

  • Oracle Financial Services Software Limited
  • Oracle Park
  • Off Western Express Highway
  • Mumbai
  • Maharashtra
  • 400063
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/16 12:05
End of Day Share Price2021/10/14 00:00
Earnings2021/06/30
Annual Earnings2021/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.