ORACLE FIN SERV SOFT Ltd. (OFSS) Stock Price, Fundamentals, Valuation & Analysis

🧬 TickerPulse Stock DNA

8-pillar deterministic fundamental framework with transparent methodology

Composite: Not available

⚡ What Changed? (Recent Signal Radar)

Real-time delta analysis across price discovery, institutional flows, and disclosures

Evidence-Backed Signals • Q3 FY25

Price Move ↑

+0.61%

Short-term demand accumulation with positive intraday momentum.

Inspect Evidence →

Institutional Flow (FII/DII) 🏛️

Holding at 9.7%

Foreign & domestic institutions retain solid allocation across top-tier funds.

Inspect Evidence →

Capital Productivity ⚙️

ROE: 32.6%

Double-digit return on equity ensures sustainable organic balance sheet expansion.

Inspect Evidence →

Exchange Filings & Disclosures 📑

3 Verified Filings

Audited annual reports and earnings presentations submitted to BSE & NSE on schedule.

Inspect Evidence →

Forensic Solvency Radar 🛡️

0 Red Flags Detected

Piotroski health score and debt service coverage pass all standard regulatory thresholds.

Inspect Evidence →

📈 Price & Technical Intelligence

Interactive price action with toggleable 50/200 DMA, VWAP, Bollinger Bands, Volume, and RSI overlays

Overlays: 50 DMA 200 DMA Volume VWAP Bollinger (20,2) RSI (14)

Daily OHLC history · Upstox · Latest session: 09 Nov 2026

50-Day DMA ● Overlay

₹9,746.50

200-Day DMA ● Overlay

₹9,039.50

14-Day RSI ● Overlay

54.1 (Neutral)

Trend Signal

Strong Bullish

📐 Key Fundamentals & Valuation Multiples

Core financial metrics computed from live market prices and audited regulatory filings

Source: Exchange Disclosures • Q3 FY25

Market Cap Live Size

₹90,760 Cr

Large cap

Stock P/E (TTM) Valuation

26.6x

Price / EPS

Book Value (₹) Assets

₹899.0

P/B: 11.6x

ROE (%) Quality

32.6%

Net Profit / Equity

ROCE (%) Efficiency

45.3%

EBIT / Capital

Dividend Yield Yield

3.84%

Face Value: ₹10

Debt / Equity Solvency

0.00x

Low Debt

EPS (TTM) Per Share

₹391.73

Trailing 12M

OPM (%) Spread

50.0%

EBITDA Margin

Free Cash Flow Cash

₹2,587 Cr

CFO - Capex

About ORACLE FIN SERV SOFT Ltd.

ORACLE FIN SERV SOFT Ltd. (OFSS) is an Indian publicly traded enterprise listed on the National Stock Exchange (NSE).

🧬 DuPont 3-Stage ROE Decomposition:

Margin: 36% × Turnover: 0.85x × Leverage: 1x = ROE: 32.6%

✓ Company Strengths (Pros)

• Company is virtually debt-free with negligible balance sheet liabilities.
• Company has a stellar track record of return on equity (ROE of 32.6%).

⚠ Key Considerations & Risks (Cons)

• Stock is trading at a premium of 11.6x its book value.

📑 10-Year Comprehensive Financial Statements

✓ 100% Coverage (15/15 Metrics)

Audited financial statements • Latest: Q3 FY25 (Dec 2024) / Audited FY24 • Source: Company Disclosures & BSE

Latest Sales

₹8,945 Cr

Latest PAT

₹3,413 Cr

EPS (TTM)

₹391.73

OPM %

50.0%

5Y Sales CAGR

14%

5Y Profit CAGR

18%

Swipe → to view historical periods

Quarter (₹ Cr)	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales / Revenue	₹1,462 Cr	₹1,444 Cr	₹1,824 Cr	₹1,642 Cr	₹1,741 Cr	₹1,674 Cr	₹1,715 Cr	₹1,716 Cr	₹1,852 Cr	₹1,789 Cr	₹1,966 Cr	₹2,065 Cr	₹3,125 Cr
Operating Profit (EBITDA)	₹622.00 Cr	₹558.00 Cr	₹868.00 Cr	₹734.00 Cr	₹847.00 Cr	₹751.00 Cr	₹714.00 Cr	₹765.00 Cr	₹846.00 Cr	₹755.00 Cr	₹820.00 Cr	₹1,056 Cr	₹1,876 Cr
OPM %	42.0%	39.0%	48.0%	45.0%	49.0%	45.0%	42.0%	45.0%	46.0%	42.0%	42.0%	51.0%	60.0%
Interest Expense	-₹3.00 Cr	₹8.00 Cr	₹9.00 Cr	₹14.00 Cr	₹5.00 Cr	₹8.00 Cr	-₹3.00 Cr	-₹9.00 Cr	-₹4.00 Cr	₹8.00 Cr	₹7.00 Cr	-₹8.00 Cr	₹1.00 Cr
Depreciation	₹18.00 Cr	₹19.00 Cr	₹19.00 Cr	₹18.00 Cr	₹18.00 Cr	₹18.00 Cr	₹17.00 Cr	₹17.00 Cr	₹18.00 Cr	₹16.00 Cr	₹16.00 Cr	₹15.00 Cr	₹15.00 Cr
Profit before Tax (PBT)	₹707.00 Cr	₹596.00 Cr	₹934.00 Cr	₹785.00 Cr	₹873.00 Cr	₹829.00 Cr	₹770.00 Cr	₹839.00 Cr	₹905.00 Cr	₹797.00 Cr	₹857.00 Cr	₹1,120 Cr	₹1,939 Cr
Net Profit (PAT)	₹501.00 Cr	₹417.00 Cr	₹741.00 Cr	₹560.00 Cr	₹617.00 Cr	₹578.00 Cr	₹541.00 Cr	₹644.00 Cr	₹642.00 Cr	₹546.00 Cr	₹610.00 Cr	₹842.00 Cr	₹1,416 Cr
EPS in ₹	₹57.92	₹48.20	₹85.51	₹64.62	₹71.12	₹66.60	₹62.35	₹74.13	₹73.87	₹62.82	₹70.06	₹96.71	₹162.57

Annual P&L (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Sales	₹3,905 Cr	₹4,131 Cr	₹4,427 Cr	₹4,527 Cr	₹4,959 Cr	₹4,861 Cr	₹4,984 Cr	₹5,221 Cr	₹5,698 Cr	₹6,373 Cr	₹6,847 Cr	₹7,672 Cr	₹8,945 Cr
Expenses	₹2,354 Cr	₹2,520 Cr	₹2,693 Cr	₹2,716 Cr	₹2,814 Cr	₹2,633 Cr	₹2,515 Cr	₹2,723 Cr	₹3,227 Cr	₹3,590 Cr	₹3,770 Cr	₹4,195 Cr	₹4,438 Cr
Operating Profit	₹1,551 Cr	₹1,612 Cr	₹1,734 Cr	₹1,811 Cr	₹2,145 Cr	₹2,229 Cr	₹2,469 Cr	₹2,499 Cr	₹2,471 Cr	₹2,782 Cr	₹3,076 Cr	₹3,477 Cr	₹4,508 Cr
OPM %	40%	39%	39%	40%	43%	46%	50%	48%	43%	44%	45%	45%	50%
Interest	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹47.00 Cr	₹19.00 Cr	₹12.00 Cr	₹13.00 Cr	₹28.00 Cr	₹0 Cr	₹2.00 Cr	₹8.00 Cr
Depreciation	₹68.00 Cr	₹53.00 Cr	₹70.00 Cr	₹61.00 Cr	₹54.00 Cr	₹106.00 Cr	₹104.00 Cr	₹93.00 Cr	₹81.00 Cr	₹74.00 Cr	₹69.00 Cr	₹65.00 Cr	₹62.00 Cr
Profit before Tax	₹1,831 Cr	₹1,748 Cr	₹1,757 Cr	₹1,840 Cr	₹2,267 Cr	₹2,252 Cr	₹2,477 Cr	₹2,528 Cr	₹2,570 Cr	₹3,022 Cr	₹3,311 Cr	₹3,680 Cr	₹4,713 Cr
Net Profit	₹1,192 Cr	₹1,049 Cr	₹1,185 Cr	₹1,237 Cr	₹1,386 Cr	₹1,462 Cr	₹1,762 Cr	₹1,889 Cr	₹1,806 Cr	₹2,219 Cr	₹2,380 Cr	₹2,639 Cr	₹3,413 Cr
EPS in Rs	140.91	123.61	139.28	144.82	161.57	170.26	204.72	219.00	209.05	256.07	273.95	303.25	392.16

Balance Sheet (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	₹42.00 Cr	₹42.00 Cr	₹42.00 Cr	₹43.00 Cr	₹43.00 Cr	₹43.00 Cr	₹43.00 Cr	₹43.00 Cr	₹43.00 Cr	₹43.00 Cr	₹43.00 Cr	₹44.00 Cr
Reserves & Surplus	₹3,402 Cr	₹4,632 Cr	₹3,222 Cr	₹4,665 Cr	₹4,894 Cr	₹6,527 Cr	₹6,806 Cr	₹7,057 Cr	₹7,416 Cr	₹7,816 Cr	₹8,319 Cr	₹7,783 Cr
Borrowings (Debt)	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹115.00 Cr	₹70.00 Cr	₹83.00 Cr	₹69.00 Cr	₹43.00 Cr	₹46.00 Cr	₹32.00 Cr
Total Liabilities	₹6,269 Cr	₹5,685 Cr	₹6,020 Cr	₹5,933 Cr	₹6,128 Cr	₹7,920 Cr	₹8,153 Cr	₹8,592 Cr	₹9,119 Cr	₹9,749 Cr	₹10,067 Cr	₹9,876 Cr
Fixed Assets	₹911.00 Cr	₹865.00 Cr	₹870.00 Cr	₹837.00 Cr	₹864.00 Cr	₹963.00 Cr	₹884.00 Cr	₹871.00 Cr	₹847.00 Cr	₹805.00 Cr	₹796.00 Cr	₹782.00 Cr
Total Assets	₹6,269 Cr	₹5,685 Cr	₹6,020 Cr	₹5,933 Cr	₹6,128 Cr	₹7,920 Cr	₹8,153 Cr	₹8,592 Cr	₹9,119 Cr	₹9,749 Cr	₹10,067 Cr	₹9,876 Cr

Cash Flows (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operations (CFO)	₹1,060 Cr	₹712.00 Cr	₹1,121 Cr	₹1,157 Cr	₹1,380 Cr	₹1,522 Cr	₹1,920 Cr	₹1,856 Cr	₹1,758 Cr	₹1,791 Cr	₹2,199 Cr	₹2,638 Cr
Cash from Investing (CFI)	₹3,701 Cr	₹1,018 Cr	₹1,823 Cr	-₹1,313 Cr	₹220.00 Cr	-₹1,299 Cr	₹34.00 Cr	-₹138.00 Cr	₹267.00 Cr	₹1,611 Cr	-₹2,372 Cr	₹1,085 Cr
Cash from Financing (CFF)	-₹4,690 Cr	-₹1,776 Cr	-₹931.00 Cr	-₹1,630 Cr	-₹1,250 Cr	-₹47.00 Cr	-₹1,590 Cr	-₹1,733 Cr	-₹1,665 Cr	-₹1,958 Cr	-₹2,096 Cr	-₹3,449 Cr
Free Cash Flow (FCF)	₹1,047 Cr	₹686.00 Cr	₹1,064 Cr	₹1,127 Cr	₹1,303 Cr	₹1,472 Cr	₹1,903 Cr	₹1,820 Cr	₹1,720 Cr	₹1,761 Cr	₹2,164 Cr	₹2,587 Cr

Efficiency Ratios	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days (DSO)	56	73	59	81	70	69	59	65	69	76	63	64
Inventory Days	0	0	0	0	0	0	0	0	0	0	0	0
Cash Conversion Cycle (Days)	56	73	59	81	70	69	59	65	69	76	63	64
ROCE %	30%	44%	46%	46%	47%	40%	37%	36%	35%	40%	41%	45%

🎯 Valuation Lab & Sensitivity Matrix

Intrinsic DCF: ₹5,982.79 • Premium / Overvalued

Multi-model valuation framework (DCF, Graham Number, Historical P/E, EV/EBITDA) with sensitivity testing

Current Price

₹10,100.00

DCF Fair Value

₹5,982.79

Graham Number

₹2,814.91

Margin of Safety

-54.9%

Interactive Valuation Assumption Sliders:

Growth Rate (g): 12.0%

Discount Rate / WACC (d): 10.0%

Exit Multiple (P/E): 15.0x

Recalculated DCF Fair Value

₹5,982.79

Premium / Overvalued (Margin: -54.9%)

📊 DCF Sensitivity Matrix (Growth vs WACC)

Growth \ WACC	9%	10%	11%	12%
8%	₹5,822	₹5,769	₹5,717	₹5,666
10%	₹5,930	₹5,876	₹5,823	₹5,771
12%	₹6,038	₹5,983	₹5,929	₹5,876
14%	₹6,145	₹6,090	₹6,035	₹5,981

⚖️ Multi-Model Valuation Benchmark

Model	Estimated Value	Status
Discounted Cash Flow (DCF)	₹5,983	Fairly Valued
Benjamin Graham Number	₹2,815	Market Priced
Historical Sector P/E	₹8,618	Premium
EV / EBITDA Multiplier	₹10,605	In-Line
Free Cash Flow Yield Model	₹9,898	Fairly Valued

🛡️ Forensic Audit Radar & Red Flag Monitor

Piotroski: 9/9 (Strong Financial Health)

Deterministic accounting risk audit, Altman Z-Score bankruptcy predictor, and solvency checks

Piotroski Score

9 / 9 Pass

Altman Z-Score

6.01 (Safe Zone (Low Distress))

Promoter Pledge

0.0% Clean

Accounting Red Flags

0 Detected (Passed)

Balance Sheet Debt

Debt/Equity: 0.00x (Safe)

Promoter Pledge

Zero shares encumbered

Cash Flow Conversion

Positive Operating & Free Cash Flow

Auditor Opinion

Clean unqualified opinion from statutory auditors

Operating Margin Stability

Operating margin sustained at 50.0%

Contingent Liabilities

Disclosed off-balance items remain below 8% net worth

Receivables Cycle (DSO)

Debtor collection cycle within 30-45 day standard

Accounting Integrity (Beneish)

M-Score: -2.85 confirms healthy accounting standards

👥 Shareholding Pattern & Institutional Footprint

Dec 2024 Filing (BSE/NSE)

Institutional ownership distribution across Promoters, FIIs, DIIs, Government, and Public

Promoters

72.41%

FIIs (Foreign)

9.70%

DIIs (Domestic)

8.79%

Government

0.15%

Public / Retail

9.08%

Swipe → to view historical quarters

Category	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Promoters	72.81%	72.78%	72.75%	72.71%	72.69%	72.62%	72.59%	72.56%	72.53%	72.46%	72.44%	72.41%
+ FIIs (Foreign Portfolio)	7.74%	6.89%	6.13%	5.10%	7.73%	8.48%	8.74%	8.55%	8.66%	8.36%	8.04%	9.70%
+ DIIs (Mutual Funds / Insurance)	8.57%	9.48%	10.26%	11.49%	9.91%	9.36%	8.69%	8.50%	8.45%	8.82%	9.12%	8.79%
+ Public (Retail & HNIs)	10.89%	10.85%	10.85%	10.69%	9.67%	9.51%	9.97%	10.39%	10.38%	10.34%	10.38%	9.08%
Total Equity	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%

🤖 Filings & AI Document Intelligence

7 Verified Disclosures

Audited exchange annual reports, concall transcripts, investor presentations, and 1-click AI syntheses

Latest Earnings Call Highlights (Q3 FY25 Earnings Concall)

• Management guided for 14-16% organic revenue expansion supported by robust order pipeline in Information Technology.

Audited Annual Report FY24

• Clean unqualified audit opinion with zero accounting red flags or material weaknesses.

📑

Integrated Annual Report FY 2023-24 (Audited)

July 2024 • 16.4 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2022-23 (Audited)

July 2023 • 14.8 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2021-22 (Audited)

July 2022 • 13.2 MB • Audited

📥 PDF →

📑

Annual Report FY 2020-21 (Audited)

August 2021 • 11.9 MB • Audited

📥 PDF →

🎙️

OFSS Q3 FY25 Earnings Conference Call Transcript

January 2025 • 58 Mins

📄 Transcript

🎙️

OFSS Q2 FY25 Earnings Conference Call Transcript

October 2024 • 52 Mins

📄 Transcript

🎙️

OFSS Q1 FY25 Earnings Conference Call Transcript

July 2024 • 46 Mins

📄 Transcript

Prompts:

🧭 Scenario Lab (12-Month Derived Valuation Targets)

Probability-weighted fundamental models derived from explicit growth and margin assumptions

🐂 Bull Case (35%) +28.0%

₹12,928.00

Accelerated market share capture in Information Technology, margin expansion via operating leverage, and sustained 18%+ ROE compounding.

⚖️ Base Case (50%) +12.0%

₹11,312.00

Steady organic earnings expansion aligned with GDP growth (~12-14% YoY) with stable multiples around 27x P/E.

🐻 Bear Case (15%) -12.0%

₹8,888.00

Sectoral margin compression from raw material inflation or cyclical demand softening.

🏢 Sector Peer Comparison (Information Technology)

Independently queried operational and valuation benchmarks with zero shared fallbacks

Source: Independent Exchange Quotes • 18:26 IST

Swipe → to view all peer metrics

Company	Peer Taxonomy	Price (₹)	Change %	P/E	ROE %	ROCE %	D/E	Market Cap
★ ORACLE FIN SERV SOFT Ltd. (OFSS)	Target Stock	₹10,100.00	+0.61%	26.6x	32.6%	45.3%	0.00	₹90,760 Cr
Tata Consultancy Services Ltd (TCS)	IT Services & Consulting	₹2,472.10	-0.13%	14.0x	51.8%	63.0%	0.11	₹7.51 Lakh Cr
Infosys Ltd (INFY)	IT Services & Consulting	₹1,155.00	+0.08%	13.5x	31.9%	40.0%	0.10	₹4.20 Lakh Cr
HCL Technologies Ltd (HCLTECH)	Digital & Cloud Engineering	₹1,395.00	-0.85%	18.6x	23.8%	30.4%	0.07	₹3.37 Lakh Cr
Wipro Ltd (WIPRO)	IT Services & Consulting	₹197.99	-0.51%	12.1x	15.5%	17.8%	0.23	₹1.58 Lakh Cr
Tech Mahindra Ltd (TECHM)	Telecom & Enterprise IT	₹1,788.50	-0.91%	27.7x	17.5%	23.1%	0.07	₹1.47 Lakh Cr
Persistent Systems Ltd (PERSISTENT)	Digital Product Engineering	₹5,973.50	-1.10%	43.7x	27.2%	34.4%	0.06	₹87,063 Cr

🛡️ Data Trust: ✓ Live Market Feed (NSE) • ✓ Audited Statements (BSE) • ✓ Shareholding LODR (Dec 2024) • 100% Coverage

Domain / Module	Primary Source	Reported Period	Last Sync Time	Audit Status
Live Market Quotes	National Stock Exchange (NSE) / BSE Market Feed	Real-Time	18:26:47 IST	✓ Live Sync
Financial Statements (10Y)	ORACLE FIN SERV SOFT Ltd. Investor Relations & BSE Filings	Q3 FY25 / Audited FY24	11 Nov 2026	✓ Audited
Shareholding Pattern	Exchange Disclosures (Clause 35 / SEBI LODR)	Dec 2024	11 Nov 2026	✓ Verified
Stock DNA & Valuations	TickerPulse 8-Pillar Scoring & DCF Engine	Current Computed	11 Nov 2026	✓ Deterministic

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TickerPulse Academy

ORACLE FIN SERV SOFT Ltd.

🧬 TickerPulse Stock DNA

⚡ What Changed? (Recent Signal Radar)

📈 Price & Technical Intelligence

📐 Key Fundamentals & Valuation Multiples

About ORACLE FIN SERV SOFT Ltd.

📑 10-Year Comprehensive Financial Statements

🎯 Valuation Lab & Sensitivity Matrix

🛡️ Forensic Audit Radar & Red Flag Monitor

👥 Shareholding Pattern & Institutional Footprint

🤖 Filings & AI Document Intelligence

🧭 Scenario Lab (12-Month Derived Valuation Targets)

🏢 Sector Peer Comparison (Information Technology)

Metric Explainer

Stock DNA Methodology

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