Is Oracle Fin.Serv. overvalued or undervalued?

As of January 18, 2024, Oracle Fin.Serv. is considered very expensive and overvalued with a PE ratio of 32.13, significantly higher than its peers TCS and Infosys, despite strong ROCE and ROE metrics, and its recent stock performance shows a decline of 28.29% year-to-date.

As of 18 January 2024, the valuation grade for Oracle Fin.Serv. has moved from expensive to very expensive, indicating a significant shift in its market perception. The company is currently deemed overvalued based on its high valuation multiples, including a PE ratio of 32.13, an EV to EBITDA ratio of 22.93, and a PEG ratio of 4.63. These figures suggest that investors are paying a premium for the stock relative to its earnings growth potential.<BR><BR>In comparison to its peers, Oracle Fin.Serv. stands out with a much higher PE ratio than TCS at 25.23 and Infosys at 24.32, both of which are considered attractive and fair, respectively. Additionally, while Oracle boasts a strong ROCE of 122.41% and ROE of 28.46%, these metrics do not sufficiently justify its elevated valuation levels. The company's recent stock performance has outpaced the Sensex in the short term, with a 1-week return of 8.83% compared to the Sensex's 1.40%, but its year-to-date performance shows a decline of 28.29%, further reinforcing the notion that it is overvalued in the current market environment.

Who are in the management team of Oracle Fin.Serv.?

As of March 2023, the management team of Oracle Fin.Serv. includes Chaitanya Kamat (Managing Director & CEO), S Venkatachalam (Chairman & Independent Director), and several other directors and independent directors, totaling 13 members who guide the company's governance and strategy.

As of March 2023, the management team of Oracle Fin.Serv. includes the following individuals:<BR><BR>1. Chaitanya Kamat - Managing Director & CEO<BR>2. S Venkatachalam - Chairman & Independent Director<BR>3. Richard David Jackson - Independent Director<BR>4. Harinderjit Singh - Director<BR>5. Onkarnath Banerjee - Company Secretary & Compliance Officer<BR>6. Sridhar Srinivasan - Independent Director<BR>7. Kimberly Woolley - Director<BR>8. Yong Meng Kau - Director<BR>9. Vincent Secondo Grelli - Director<BR>10. Jane Murphy - Independent Director<BR>11. Makarand Padalkar - Managing Director & CEO<BR>12. GOPALA RAMANAN BALASUBRAMANIAN - Director<BR>13. Mrugank Paranjape - Additional Director<BR><BR>This team comprises a mix of managing directors, independent directors, and other directors, contributing to the governance and strategic direction of the company.

What does Oracle Fin.Serv. do?

Oracle Financial Services Software Ltd provides software solutions for the financial services industry. As of March 2025, it reported net sales of 1,716 Cr and a net profit of 644 Cr, with a market cap of Rs 76,122 Cr.

Overview: <BR>Oracle Financial Services Software Ltd operates in the software products industry and is categorized as a large-cap company.<BR><BR>History: <BR>The company was incorporated on September 27, 1989, originally as Citicorp Information Technology Industries Limited. It changed its name to I-flex solutions Limited on February 11, 2000, and subsequently to Oracle Financial Services Software Limited on August 14, 2008. The most recent quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot: <BR>Net Sales: 1,716 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 644 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: Rs 76,122 Cr (Large Cap)<BR><BR>Key Metrics: <BR>P/E: 32.00 <BR>Industry P/E: 29 <BR>Dividend Yield: 3.03% <BR>Debt-Equity: -0.71 <BR>Return on Equity: 28.46% <BR>Price to Book: 9.08 <BR><BR>Contact Details: <BR>Address: Oracle Park Goregaon (East), Off Western Express Highway Mumbai Maharashtra : 400063 <BR>Tel: 91-22-67183000 <BR>Email: investors-vp-ofss_in@oracle.com <BR>Website: https://investor.ofss.oracle.com

Has Oracle Fin.Serv. declared dividend?

Oracle Financial Services Software Ltd has declared a 5300% dividend, amounting to ₹265 per share, with an ex-date of May 8, 2025. The company has shown strong total returns over various periods, particularly in the long term.

Oracle Financial Services Software Ltd has declared a 5300% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 5300%<BR>- Amount per share: 265<BR>- Ex-date: May-08-2025<BR><BR>Dividend Yield: 3.03%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -30.3%, the dividend return was 2.11%, resulting in a total return of -28.19%.<BR><BR>Over the past year, the price return was 7.55%, the dividend return was 3.14%, leading to a total return of 10.69%.<BR><BR>In the 2-year period, the price return was 147.43%, the dividend return was 13.06%, culminating in a total return of 160.49%.<BR><BR>For the 3-year period, the price return was 167.54%, the dividend return was 24.04%, which resulted in a total return of 191.58%.<BR><BR>In the last 4 years, the price return was 150.33%, the dividend return was 25.62%, giving a total return of 175.95%.<BR><BR>Over the past 5 years, the price return was 245.88%, the dividend return was 39.19%, leading to a total return of 285.07%.<BR><BR>Overall, Oracle Financial Services Software Ltd has declared a significant dividend, and the total returns over various periods indicate a strong performance, particularly in the longer-term horizons.

Who are the peers of the Oracle Fin.Serv.?

Oracle Fin.Serv.'s peers include C.E. Info System, Tanla Platforms, Moschip Tech, Nucleus Soft, Technvision Ven., Quick Heal Tech, Ramco Systems, Unicommerce, Blue Cloud Soft, and Subex. Key metrics show varying management risks, growth rates, and capital structures among these companies, with Ramco Systems leading in 1-year returns at 44.36% and Tanla Platforms at -32.78%.

Peers: The peers of Oracle Fin.Serv. are C.E. Info System, Tanla Platforms, Moschip Tech., Nucleus Soft., Technvision Ven., Quick Heal Tech, Ramco Systems, Unicommerce, Blue Cloud Soft, and Subex.<BR><BR>Quality Snapshot: Excellent management risk is observed at Oracle Fin.Serv., C.E. Info System, Nucleus Soft., Technvision Ven., and Unicommerce, while Good management risk is found at C.E. Info System and the rest. Average management risk is noted at Tanla Platforms, Quick Heal Tech, Ramco Systems, Blue Cloud Soft, and Subex, while Below Average management risk is seen at Moschip Tech. Growth is Excellent at Blue Cloud Soft, Good at C.E. Info System, Tanla Platforms, Unicommerce, and the rest, while Below Average growth is noted at Oracle Fin.Serv., Nucleus Soft, Quick Heal Tech, Ramco Systems, and Subex. Excellent capital structure is found at Oracle Fin.Serv., C.E. Info System, Tanla Platforms, Nucleus Soft, Technvision Ven., Quick Heal Tech, and Unicommerce, while Below Average capital structure is observed at Moschip Tech. <BR><BR>Return Snapshot: The peer with the highest 1-year return is Ramco Systems at 44.36%, while the lowest is Tanla Platforms at -32.78%. Oracle Fin.Serv.'s 1-year return of 10.09% is higher than that of Tanla Platforms but lower than Ramco Systems. Additionally, the peers with negative six-month returns include Quick Heal Tech, Ramco Systems, and Blue Cloud Soft.

When is the next results date for Oracle Fin.Serv.?

Oracle Fin.Serv. will announce its results on 23 July 2025.

Oracle Fin.Serv. will declare its results on 23 July 2025.

Who are the top shareholders of the Oracle Fin.Serv.?

The top shareholders of Oracle Fin.Serv. include Oracle Global Mauritius Limited with 72.59%, followed by foreign institutional investors at 8.75%, mutual funds at 5.61%, and individual investors at 7.54%. The highest public shareholder is Kotak Mahindra Trustee Co Ltd, holding 2.98%.

The top shareholders of Oracle Fin.Serv. include a significant majority held by promoters, with Oracle Global Mauritius Limited being the largest shareholder at 72.59%. Additionally, mutual funds hold 5.61% through 28 schemes, while foreign institutional investors (FIIs) account for 8.75% with 619 FIIs involved. The highest public shareholder is Kotak Mahindra Trustee Co Ltd, which holds 2.98%. Individual investors collectively own 7.54% of the company.

Are Oracle Fin.Serv. latest results good or bad?

Oracle Financial Services Software's latest results are generally positive, with net sales reaching Rs 1,852.20 crore, a 7.92% increase from the previous quarter, and strong operating cash flow. However, there was a slight decline of 0.31% in consolidated net profit, but overall performance indicates solid growth.

Oracle Financial Services Software's latest results for the quarter ending June 2025 indicate a generally positive performance. The company reported net sales of Rs 1,852.20 crore, which is the highest in the last five quarters, reflecting a significant growth of 7.92% compared to the previous quarter. This upward trend in sales suggests a favorable near-term outlook.<BR><BR>Moreover, the operating cash flow reached Rs 2,198.90 crore, marking the highest level in three years, which is a strong indicator of the company's operational efficiency and revenue generation capabilities. The profit before tax, excluding other income, was Rs 832.90 crore, also the highest in the last five quarters, indicating a positive trajectory in profitability.<BR><BR>However, it's worth noting that the consolidated net profit saw a slight decline of 0.31% compared to the previous quarter, which is a point of concern. Despite this dip, the overall financial results demonstrate solid growth in sales and operating performance.<BR><BR>In summary, while there is a minor decrease in net profit, the overall financial health and operational metrics of Oracle Financial Services Software suggest a good performance for the quarter.

How big is Oracle Fin.Serv.?

As of 24th July, Oracle Financial Services Software Ltd has a market capitalization of 76,794.00 Cr, with recent Net Sales of 6,957.60 Cr and a Net Profit of 2,404.80 Cr.

As of 24th July, Oracle Financial Services Software Ltd has a market capitalization of 76,794.00 Cr, categorizing it as a Large Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 6,957.60 Cr and a Net Profit of 2,404.80 Cr.<BR><BR>The latest reporting period for the balance sheet is March 2025, with Shareholder's Funds amounting to 8,362.40 Cr and Total Assets of 9,952.30 Cr.

How has been the historical performance of Oracle Fin.Serv.?

Oracle Fin.Serv. has shown consistent growth, with net sales increasing from 4,861.28 Cr in March 2020 to 6,846.80 Cr in March 2025, alongside improvements in operating profit, profit before tax, and earnings per share. Despite negative cash flow from investing activities, the company maintains a strong balance sheet with rising total assets and shareholder funds.

Answer:<BR>The historical performance of Oracle Fin.Serv. shows a consistent growth trend in net sales and profits over the years, culminating in a net sales figure of 6,846.80 Cr for the year ending March 2025. This marks an increase from 6,373.00 Cr in March 2024 and 5,698.31 Cr in March 2023. The total operating income mirrored this growth, reaching 6,846.80 Cr in March 2025, up from 6,373.00 Cr in the previous year. Operating profit (PBDIT) also saw an upward trajectory, rising to 3,380.50 Cr in March 2025 from 3,124.70 Cr in March 2024. Profit before tax increased to 3,310.90 Cr in March 2025, compared to 3,022.30 Cr in March 2024, while profit after tax reached 2,379.60 Cr, up from 2,219.40 Cr. The earnings per share (EPS) improved to 274.15 in March 2025 from 256.28 in March 2024, reflecting the company's strong profitability. <BR><BR>In terms of balance sheet metrics, total assets grew to 9,952.30 Cr in March 2025 from 9,749.40 Cr in March 2024, with total liabilities also increasing to 9,952.30 Cr from 9,749.40 Cr. Shareholder's funds rose to 8,362.40 Cr in March 2025, indicating a solid equity base. The cash flow from operating activities improved to 2,198.00 Cr in March 2025 from 1,790.00 Cr in March 2024, although cash flow from investing activities turned negative at -2,371.00 Cr. Overall, the company demonstrated robust growth in revenue and profitability, alongside a stable balance sheet, despite fluctuations in cash flow from investing activities.<BR><BR>Breakdown:<BR>Oracle Fin.Serv. has shown a strong upward trend in its financial performance over the years, with net sales increasing from 4,861.28 Cr in March 2020 to 6,846.80 Cr in March 2025. The total operating income followed suit, reaching 6,846.80 Cr in March 2025, reflecting consistent growth. Operating profit (PBDIT) also rose significantly, from 2,228.69 Cr in March 2020 to 3,380.50 Cr in March 2025, indicating improved operational efficiency. Profit before tax increased from 2,252.28 Cr in March 2020 to 3,310.90 Cr in March 2025, while profit after tax saw a substantial rise from 1,462.22 Cr to 2,379.60 Cr over the same period. The earnings per share (EPS) improved from 170.26 in March 2020 to 274.15 in March 2025, showcasing enhanced shareholder value. On the balance sheet, total assets grew from 7,919.98 Cr in March 2020 to 9,952.30 Cr in March 2025, with total liabilities rising in tandem. Shareholder's funds also increased, reflecting a solid equity position. Cash flow from operating activities improved significantly, although cash flow from investing activities turned negative in March 2025, indicating increased investment outflows. Overall, Oracle Fin.Serv. has demonstrated robust growth in key financial metrics, underpinned by strong operational performance.

Should I buy, sell or hold Oracle Fin.Serv.?

Is Oracle Fin.Serv. technically bullish or bearish?

As of December 3, 2025, the stock trend has shifted to mildly bearish, with a current price of 8060.00 below the previous close of 8103.80, reflecting a significant underperformance of -35.70% over the past year compared to the Sensex's 5.27%.

As of 3 December 2025, the technical trend has changed from sideways to mildly bearish. The current price of 8060.00 is below the previous close of 8103.80, indicating downward pressure. The stock has underperformed significantly over the past year, with a return of -35.70% compared to the Sensex's 5.27%. Additionally, the recent weekly performance shows a decline of -1.44%, further supporting a bearish stance. Key indicators driving this view include the negative trend change and substantial underperformance relative to the broader market.

Which are the latest news on Oracle Fin.Serv.?

Why is Oracle Fin.Serv. falling/rising?

As of 13-Dec, Oracle Financial Services Software Ltd's stock is at 7,975.00, down -0.57%, and has significantly underperformed the market with a year-to-date decline of -37.38%. Despite strong management efficiency, the company faces challenges with low growth and disappointing recent financial results, leading to a perception of high valuation relative to peers.

As of 13-Dec, Oracle Financial Services Software Ltd's stock price is falling, currently at 7,975.00, reflecting a change of -45.35 (-0.57%). The stock has underperformed significantly compared to the broader market, with a year-to-date decline of -37.38%, while the Sensex has gained 9.12% during the same period. Over the past year, the stock has also shown a negative return of -34.09%, contrasting sharply with the market's positive return of 4.89%.<BR><BR>Today's performance indicates that the stock has underperformed its sector by -1.14%, and it is trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. Additionally, there has been a decline in investor participation, with delivery volume falling by -7.05% against the 5-day average.<BR><BR>Despite a high management efficiency indicated by a return on equity (ROE) of 30.32% and a low debt-to-equity ratio, the company faces challenges with poor long-term growth, as evidenced by net sales growth of only 7.36% and operating profit growth of 6.00% over the last five years. Recent financial results have also been disappointing, with a significant drop in profit after tax (PAT) of -9.2% compared to the previous four-quarter average.<BR><BR>The stock's valuation appears high, trading at a premium with a price-to-book value of 9.4, which contributes to its perception as an expensive investment relative to peers. Overall, these factors contribute to the stock's decline, as it continues to struggle against both market performance and its own financial metrics.