BSE:532466

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Oracle Financial Services Software

Executive Summary

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


Snowflake Analysis

Flawless balance sheet with solid track record.


Similar Companies

Share Price & News

How has Oracle Financial Services Software's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 532466's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

4.8%

532466

1.0%

IN Software

-1.6%

IN Market


1 Year Return

-10.1%

532466

-22.0%

IN Software

-8.3%

IN Market

Return vs Industry: 532466 exceeded the Indian Software industry which returned -22% over the past year.

Return vs Market: 532466 underperformed the Indian Market which returned -8.3% over the past year.


Shareholder returns

532466IndustryMarket
7 Day4.8%1.0%-1.6%
30 Day9.0%10.6%6.0%
90 Day35.5%31.1%17.5%
1 Year-3.4%-10.1%-18.4%-22.0%-6.5%-8.3%
3 Year-9.9%-19.0%-18.2%-26.1%-3.6%-8.1%
5 Year-2.8%-22.4%-11.9%-25.9%22.2%12.8%

Price Volatility Vs. Market

How volatile is Oracle Financial Services Software's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

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

17.53x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: 532466 (₹2987) is trading above our estimate of fair value (₹1906.89)

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


Price To Earnings Ratio

PE vs Industry: 532466 is poor value based on its PE Ratio (17.5x) compared to the IN Software industry average (10.5x).

PE vs Market: 532466 is poor value based on its PE Ratio (17.5x) compared to the Indian market (12.4x).


Price to Earnings Growth Ratio

PEG Ratio: 532466 is poor value based on its PEG Ratio (1.9x)


Price to Book Ratio

PB vs Industry: 532466 is overvalued based on its PB Ratio (3.9x) compared to the IN Software industry average (1x).


Next Steps

Future Growth

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

9.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 532466's forecast earnings growth (9.1% per year) is above the savings rate (7.2%).

Earnings vs Market: 532466's earnings (9.1% per year) are forecast to grow slower than the Indian market (19.9% per year).

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

Revenue vs Market: 532466's revenue (4.3% per year) is forecast to grow slower than the Indian market (7.5% per year).

High Growth Revenue: 532466's revenue (4.3% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 532466's Return on Equity is forecast to be high in 3 years time (24%)


Next Steps

Past Performance

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

6.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 532466 has high quality earnings.

Growing Profit Margin: 532466's current net profit margins (30.1%) are higher than last year (27.9%).


Past Earnings Growth Analysis

Earnings Trend: 532466's earnings have grown by 6.2% per year over the past 5 years.

Accelerating Growth: 532466's earnings growth over the past year (5.5%) is below its 5-year average (6.2% per year).

Earnings vs Industry: 532466 earnings growth over the past year (5.5%) exceeded the Software industry -8.2%.


Return on Equity

High ROE: 532466's Return on Equity (22.3%) is considered high.


Next Steps

Financial Health

How is Oracle Financial Services Software's financial position?


Financial Position Analysis

Short Term Liabilities: 532466's short term assets (₹59.8B) exceed its short term liabilities (₹9.5B).

Long Term Liabilities: 532466's short term assets (₹59.8B) exceed its long term liabilities (₹5.1B).


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


Next Steps

Dividend

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

6.03%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: 532466's dividend (6.03%) is higher than the bottom 25% of dividend payers in the Indian market (0.69%).

High Dividend: 532466's dividend (6.03%) is in the top 25% of dividend payers in the Indian market (2.81%)


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 6 years, and since then payments have fallen.


Current Payout to Shareholders

Dividend Coverage: With its high payout ratio (105.6%), 532466's dividend payments are not well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: 532466's dividends in 3 years are forecast to be covered by earnings (77.3% payout ratio).


Next Steps

  • Explore strong dividend paying companies in the Software industry.

Management

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

11.5yrs

Average management tenure


CEO

Chet Kamat (59yo)

9.75yrs

Tenure

₹33,230,000

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 ($USD442.18K) is below average for companies of similar size in the Indian market ($USD773.45K).

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


Leadership Team

NamePositionTenureCompensationOwnership
Chaitanya Kamat
CEO, MD & Executive Non-Independent Director9.75yrs₹33.23m0.030% 74.0m
S. Padalkar
CFO, Chief of Staff & Investor Relations & Whole-time Director1.17yrsno data0.053% 132.3m
Avadhut Ketkar
Chief Accounting Officer13.25yrsno datano data
Onkarnath Banerjee
Compliance Officer & Company Secretary5.08yrsno datano data
Dinesh Shetty
Vice President of Administrationno data₹4.69mno data
Mohamed Yacob
Director of Legal & Ofssno datano datano data
Venkatesh Srinivasan
Chief of Staff & VP of Corporate Development13.25yrs₹5.02mno data
Bindu Venkatesh
Vice President of Human Resources & Training6.08yrsno datano data
Mahesh Rao
Vice President of Business Intelligence Group - PrimeSourcingno data₹4.46mno data
Manmath Kulkarni
Senior Vice President13.25yrs₹5.53mno data
Vikram Gupta
Head - PWMno data₹5.62mno data
Dinakar Kini
Head - Ofsaa Japac Delivery & Global Consulting Ops and VP5yrsno datano data

11.5yrs

Average Tenure

58yo

Average Age

Experienced Management: 532466's management team is seasoned and experienced (11.5 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Chaitanya Kamat
CEO, MD & Executive Non-Independent Director9.75yrs₹33.23m0.030% 74.0m
S. Padalkar
CFO, Chief of Staff & Investor Relations & Whole-time Director1.17yrsno data0.053% 132.3m
Sambasivan Venkatachalam
Independent Chairman8.17yrs₹4.05m0.0070% 17.4m
Richard Jackson
Non-Executive Independent Director7.58yrs₹3.23mno data
Jane Murphy
Non-Executive Independent Director1.42yrs₹320.00kno data
Harinderjit Singh
Senior VP & Non-Executive Non-Independent Director7yrsno datano data
Sridhar Srinivasan
Non Executive Independent Director5yrs₹2.54mno data
Kimberly Woolley
Non Executive Non Independent Director3.33yrsno datano data
Yong Kau
Non-Executive Non-Independent Director1.67yrsno datano data
Vincent Grelli
Non-Executive Non-Independent Director1.67yrsno datano data

4.2yrs

Average Tenure

59yo

Average Age

Experienced Board: 532466's board of directors are considered experienced (4.2 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 company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Oracle Financial Services Software Limited
  • Ticker: 532466
  • Exchange: BSE
  • Founded: 1989
  • Industry: Application Software
  • Sector: Software
  • Market Cap: ₹249.444b
  • Shares outstanding: 85.96m
  • Website: https://www.oracle.com/industries/financial-services/index.html

Number of Employees


Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
532466BSE (Mumbai Stock Exchange)YesEquity SharesININRJun 2002
OFSSNSEI (National Stock Exchange of India)YesEquity SharesININRJun 2002

Biography

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 Processing Outsourcing Services. The company offers 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; Oracle Banking Platform, a suite of business applications for banks; and Oracle FLEXCUBE, a banking platform for retail, corporate and investment banking, consumer lending, asset management, and investor servicing with payments. It also provides Oracle Banking Enterprise Product Manufacturing, a suite of Product master data management capability for the banking domain; Oracle Banking Enterprise Collections platform; Oracle Banking Enterprise Originations platform; Oracle Banking Corporate Lending, an end-to-end digitally enabled lending solution; and Oracle Banking Liquidity Management solution. In addition, the company offers Oracle Banking Credit Facilities Process Management, Oracle Banking Corporate Lending Process Management, Oracle Banking Trade Finance Process Management, Oracle Banking Virtual Account Management, Oracle Banking Payments, Oracle FLEXCUBE Enterprise Limits and Collateral Management, Oracle Financial Services Lending and Leasing, and Oracle FLEXCUBE Investor Servicing solutions, as well as Oracle Financial Services Analytical Applications. Further, it provides end-to-end consulting partnership, and business and technology solutions; and business process outsourcing services. The company was incorporated in 1989 and is based in Mumbai, India. Oracle Financial Services Software Limited operates as a subsidiary of Oracle Corporation 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/07/15 12:35
End of Day Share Price2020/07/15 00:00
Earnings2020/03/31
Annual Earnings2020/03/31


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.