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.
40.05%
0.50
32.47%
Sensex
-1.65%
-0.49
12.94%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.14%
EBIT Growth (5y)
13.03%
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
27.59%
Dividend Payout Ratio
131.85%
Pledged Shares
0
Institutional Holding
18.49%
ROCE (avg)
121.95%
ROE (avg)
28.25%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
30
Industry P/E
22
Price to Book Value
13.11
EV to EBIT
21.85
EV to EBITDA
21.55
EV to Capital Employed
41.34
EV to Sales
10.86
PEG Ratio
0.72
Dividend Yield
3.39%
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
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend32What is working for the Company
OPERATING CF(Y)
Highest at Rs 2,638.30 Cr
DPR(Y)
Highest at 131.85%
NET SALES(Q)
Highest at Rs 3,125.20 cr
PBDIT(Q)
Highest at Rs 1,876.50 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 60.04%
PBT LESS OI(Q)
Highest at Rs 1,861.10 cr.
PAT(Q)
Highest at Rs 1,415.50 cr.
EPS(Q)
Highest at Rs 162.70
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Loading Valuation Snapshot...
Here's what is working for Oracle Fin.Serv.
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,861.10 cr has Grown at 118.3% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 852.38 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 1,415.50 cr has Grown at 114.5% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 659.83 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Cash Flow - Annually
Highest at Rs 2,638.30 Cr and Grown
each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Net Sales - Quarterly
At Rs 3,125.20 cr has Grown at 62.9% (vs previous 4Q average)
over average Net Sales of the previous four quarters of Rs 1,918.03 CrMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Net Sales - Quarterly
Highest at Rs 3,125.20 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 1,876.50 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 60.04%
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 1,861.10 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,415.50 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 162.70
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Dividend Payout Ratio (DPR) - Annually
Highest at 131.85%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Oracle Fin.Serv.
Non Operating Income - Quarterly
Highest at Rs 77.60 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
