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Oracle Financial Services Software Ltd logo

Oracle Financial Services Software Ltd

NSE: OFSS BSE: 532466

7826.50

(1.19)%

Tue, 03 Feb 2026, 10:47 am

Analysis

dividend

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Pros

  • Dividends after 3 years are expected to be covered by earnings (1.3x coverage).
  • Oracle Financial Services Software's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
  • Oracle Financial Services Software's dividend is above the markets top 25% of dividend payers in India (3.08%).
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Cons

  • Oracle Financial Services Software has only been paying a dividend for 6 years, and since then dividends per share have fallen.
  • Dividends paid are not well covered by earnings (0.9x coverage).
  • Oracle Financial Services Software has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).

future

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Pros

  • Oracle Financial Services Software's earnings growth is expected to exceed the low risk savings rate of 7.2%.
  • Oracle Financial Services Software is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
  • Performance (ROE) is expected to be above the current IN Software industry average.
  • An improvement in Oracle Financial Services Software's performance (ROE) is expected over the next 3 years.
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Cons

  • Cash flow for Oracle Financial Services Software is expected to increase but not above the 50% threshold in 2 years time.
  • Oracle Financial Services Software's earnings are expected to grow by 8.5% yearly, however this is not considered high growth (20% yearly).
  • Oracle Financial Services Software's earnings growth is positive but not above the India market average.
  • Oracle Financial Services Software's earnings are expected to increase but not above the low risk growth rate next year.
  • Oracle Financial Services Software's net income is expected to increase but not above the 50% threshold in 2 years time.
  • Oracle Financial Services Software's revenue is expected to increase but not above the 50% threshold in 2 years time.
  • Oracle Financial Services Software's revenue is expected to grow by 4.3% yearly, however this is not considered high growth (20% yearly).
  • Oracle Financial Services Software's revenue growth is positive but not above the India market average.

health

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Pros

  • Oracle Financial Services Software is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Oracle Financial Services Software is profitable, therefore cash runway is not a concern.
  • Oracle Financial Services Software is profitable, therefore cash runway is not a concern.
  • Oracle Financial Services Software has no debt, it does not need to be covered by operating cash flow.
  • Oracle Financial Services Software has no debt, it does not need to be covered by short term assets.
  • Oracle Financial Services Software's cash and other short term assets cover its long term commitments.
  • Oracle Financial Services Software has not taken on any debt in the past 5 years.
  • Oracle Financial Services Software has no debt, therefore coverage of interest payments is not a concern.
  • Oracle Financial Services Software has no debt.
  • Low level of unsold assets.
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Cons

    management

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    Pros

    • The tenure for the Oracle Financial Services Software board of directors is about average.
    • Chet's remuneration is lower than average for companies of similar size in India.
    • Chet's compensation has been consistent with company performance over the past year, both up more than 20%.
    • The average tenure for the Oracle Financial Services Software management team is over 5 years, this suggests they are a seasoned and experienced team.
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    Cons

    • Oracle Financial Services Software individual insiders have only sold shares in the past 3 months.

    misc

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    Pros

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      Cons

      • Oracle Financial Services Software has significant price volatility in the past 3 months.

      past

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      Pros

      • Oracle Financial Services Software's year on year earnings growth rate has been positive over the past 5 years.
      • Oracle Financial Services Software used its assets more efficiently than the IN Software industry average last year based on Return on Assets.
      • Oracle Financial Services Software has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).
      • Oracle Financial Services Software's earnings growth has exceeded the IN Software industry average in the past year (5.5% vs -9.1%).
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      Cons

      • Oracle Financial Services Software's 1-year earnings growth is less than its 5-year average (5.5% vs 6.2%)
      • Oracle Financial Services Software's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).

      value

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      Pros

      • 532466 outperformed the Software industry which returned -27.7% over the past year.
      • 532466 outperformed the Market in India which returned -14.5% over the past year.
      • BSE:532466 is up 11% along with the Software industry (11.5%) over the past month.
      • BSE:532466 is up 11% outperforming the market in India which returned 8% over the past month.
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      Cons

      • Oracle Financial Services Software's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
      • Oracle Financial Services Software's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
      • Oracle Financial Services Software is overvalued based on assets compared to the IN Software industry average.
      • Oracle Financial Services Software is poor value based on expected growth next year.
      • Oracle Financial Services Software is overvalued based on earnings compared to the IN Software industry average.
      • Oracle Financial Services Software is overvalued based on earnings compared to the India market.

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      Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800