Oracle Financial Services Software Limited (OFSS) AI Stock Analysis

• Market Cap: ₹786.92B
• Dividend Yield: 2.92%
• Average Volume (3M): 11.12K
• Price to Earnings (P/E): 32.7
• Beta (1Y): 0.95
• Revenue Growth: 4.60%
• EPS Growth: 2.77%
• Country: IN
• Employees: 8,754
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 73.90
• Shares Outstanding: 86,911,530
• 10 Day Avg. Volume: 24,653
• 30 Day Avg. Volume: 11,122
• PEG Ratio: 3.97
• Price to Book (P/B): 7.87
• Price to Sales (P/S): 9.61
• P/FCF Ratio: 30.42
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹10,288.00
• Price Target Upside: 13.56% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 72 Outperform
• Price Target: ₹10,288.00 ▲(13.56% Upside)

The strong financial performance of Oracle Financial Services Software Limited is the primary driver of its stock score, reflecting robust growth and stability. Technical analysis indicates a positive trend, though caution is advised due to the RSI nearing overbought levels. The valuation suggests the stock is relatively expensive, but the dividend yield offers some compensation.

Oracle Financial Services Software Limited Business Overview & Revenue Model

Company Description

Oracle Financial Services Software Limited provides information technology (IT) solutions and business processing services to the financial services industry worldwide. It operates in two segments, Product Licenses and Related Activities; and IT Solutions and Consulting 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 banking solution; Oracle Financial Services Lending and Leasing, an asset finance solution; and Oracle Banking APIs that enables banks to build partnerships with third-party technology organizations. It also provides Oracle FLEXCUBE Universal Banking; Oracle Banking Platform; Oracle FLEXCUBE Investor Servicing; Oracle Banking Enterprise Limits and Collateral Management; Oracle FLEXCUBE for Islamic Banking; Oracle Banking Branch; Oracle Banking Origination; Oracle Banking Cash Management; Oracle Banking Liquidity Management; Oracle Banking Corporate Lending; Oracle Banking Supply Chain Finance; Oracle Banking Trade Finance; Oracle Banking Treasury Management; Oracle Banking Virtual Account Management; Oracle Banking Payments; Oracle Banking Corporate Lending Process Management; Oracle Banking Credit Facilities Process Management; Oracle Banking Enterprise Collections; and Oracle Banking Enterprise Originations. In addition, the company offers a suite of industry applications catering to the areas of risk, finance, treasury, front office, regulatory reporting, and compliance. Further, it provides Oracle Financial Services PrimeSourcing, a suite of consulting and application services; and Oracle Financial Services BPO Services for back-office work and contact center services. The company was incorporated in 1989 and is headquartered in Mumbai, India. Oracle Financial Services Software Limited is a subsidiary of Oracle Global (Mauritius) Limited.

How the Company Makes Money

OFSS generates revenue primarily through the sale of its software products and services to financial institutions globally. The company's key revenue streams include licensing fees for its software products, subscription fees for its cloud-based services, and ongoing maintenance and support services. Additionally, OFSS offers consulting and implementation services, which contribute to its revenue. The company benefits from strategic partnerships with major financial institutions and leverages Oracle Corporation's extensive global reach and infrastructure, enhancing its market presence and revenue potential.

Oracle Financial Services Software Limited Financial Statement Overview

Summary

Oracle Financial Services Software Limited exhibits strong financial health across all verticals. The income statement reflects robust growth and profitability, the balance sheet showcases stability with low leverage, and cash flow statements indicate solid liquidity and cash generation capabilities.

Income Statement

The company demonstrates strong revenue growth, with a steady increase in total revenue over the past years, resulting in a positive trajectory. Gross profit margins have remained robust, reflecting operational efficiency. The net profit margin is impressive, highlighting effective cost management and profitability.

Balance Sheet

The company maintains a strong balance sheet, characterized by a low debt-to-equity ratio, indicating low financial leverage and risk. The equity ratio is healthy, demonstrating a solid capital structure. Return on equity is strong, showcasing effective use of shareholder funds.

Cash Flow

Cash flow generation is robust, with consistent growth in operating cash flow. The company shows a strong free cash flow to net income ratio, underscoring its ability to convert earnings into cash. The free cash flow growth rate is positive, supporting ongoing investments and financial flexibility.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	68.47B	68.47B	63.73B	56.98B	52.21B	49.84B
Gross Profit	34.09B	36.42B	30.25B	29.24B	28.05B	25.13B
EBITDA	33.80B	33.80B	31.25B	26.55B	26.26B	25.88B
Net Income	23.80B	23.80B	22.19B	18.06B	18.89B	17.62B
Balance Sheet
Total Assets	101.35B	101.35B	99.36B	92.76B	87.35B	82.84B
Cash, Cash Equivalents and Short-Term Investments	63.11B	63.11B	55.34B	54.66B	50.13B	48.01B
Total Debt	456.00M	456.00M	429.61M	694.02M	833.85M	697.61M
Total Liabilities	17.73B	17.73B	20.77B	18.17B	16.35B	14.35B
Stockholders Equity	83.62B	83.62B	78.59B	74.59B	71.00B	68.49B
Cash Flow
Free Cash Flow	9.66B	21.64B	17.61B	17.20B	18.19B	19.01B
Operating Cash Flow	9.79B	21.99B	17.91B	17.58B	18.56B	19.20B
Investing Cash Flow	-22.79B	-24.53B	15.98B	1.37B	-1.67B	458.13M
Financing Cash Flow	-56.00M	-20.96B	-19.58B	-16.65B	-17.33B	-15.90B

Oracle Financial Services Software Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9059.35
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:OFSS, the sentiment is Positive. The current price of 9059.35 is above the 20-day moving average (MA) of 8766.59, above the 50-day MA of 8685.87, and above the 200-day MA of 8991.81, indicating a bullish trend. The MACD of 140.03 indicates Negative momentum. The RSI at 58.03 is Neutral, neither overbought nor oversold. The STOCH value of 33.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:OFSS.

Oracle Financial Services Software Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CYIENT	74 Outperform	131.17B	21.09	11.60%	2.20%	3.64%	-4.78%
MPHASIS	73 Outperform	521.42B	30.18	17.68%	2.08%	8.11%	10.73%
PERSISTENT	72 Outperform	811.84B	53.45	―	0.67%	22.44%	26.98%
OFSS	72 Outperform	₹786.92B	32.69	―	2.92%	4.60%	2.77%
LTIM	69 Neutral	1.54T	33.00	20.80%	2.11%	7.64%	3.35%
TECHM	55 Neutral	1.42T	28.68	15.54%	3.10%	2.88%	79.99%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%