ScoreWhy is Oracle Financial Services Software Ltd ?
1
High Management Efficiency with a high ROE of 28.25%
2
Company has a low Debt to Equity ratio (avg) at 0 times
3
Poor long term growth as Net Sales has grown by an annual rate of 9.01% and Operating profit at 7.61% over the last 5 years
4
Positive results in Mar 26
- NET SALES(Q) Highest at Rs 2,065.20 cr
- PBDIT(Q) Highest at Rs 1,056.30 cr.
- OPERATING PROFIT TO NET SALES(Q) Highest at 51.15%
5
Stock is technically in a Mildly Bullish range
- The technical trend has improved from Sideways on 28-Apr-26 and has generated 1.25% returns since then
- Multiple factors for the stock are Bullish like MACD, Bollinger Band, KST and OBV
6
With ROE of 33.7, it has a Very Expensive valuation with a 10.6 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 16.38%, its profits have risen by 10.9% ; the PEG ratio of the company is 3
- At the current price, the company has a high dividend yield of 4.2
7
Majority shareholders : Promoters
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Oracle Fin.Serv. should be less than 10%
- Overall Portfolio exposure to Software Products should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Software Products)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Oracle Fin.Serv. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Oracle Fin.Serv.
-2.56%
0.50
32.47%
Sensex
-5.08%
-0.49
12.94%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.01%
EBIT Growth (5y)
7.61%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
Net Debt is too low
Net Debt to Equity (avg)
-0.70
Sales to Capital Employed (avg)
0.84
Tax Ratio
28.28%
Dividend Payout Ratio
96.66%
Pledged Shares
0
Institutional Holding
17.17%
ROCE (avg)
121.95%
ROE (avg)
28.25%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
31
Industry P/E
21
Price to Book Value
10.50
EV to EBIT
22.48
EV to EBITDA
22.05
EV to Capital Employed
32.64
EV to Sales
10.00
PEG Ratio
2.92
Dividend Yield
4.24%
ROCE (Latest)
145.24%
ROE (Latest)
33.72%
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NET SALES(Q)
Highest at Rs 2,065.20 cr
PBDIT(Q)
Highest at Rs 1,056.30 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 51.15%
PBT LESS OI(Q)
Highest at Rs 1,048.80 cr.
PAT(Q)
Highest at Rs 841.70 cr.
EPS(Q)
Highest at Rs 96.75
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Loading Valuation Snapshot...
Here's what is working for Oracle Fin.Serv.
Net Sales - Quarterly
Highest at Rs 2,065.20 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 1,056.30 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 51.15%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 1,048.80 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,048.80 cr has Grown at 34.6% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 779.45 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 841.70 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 841.70 cr has Grown at 37.9% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 610.38 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 96.75
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
