Oracle Financial Services Software Ltd(OFSS)

NSE: OFSSBSE: 532466

₹ 9,647.35-2.35%refreshed 23 Oct, 03:30 pm ISTMarket cap: ₹ 84,030 crWebsite: www.oracle.com/financialservicesUpdated: 24 Oct 2026

About

Oracle Financial Services Software Ltd is a majority-owned subsidiary of Oracle Corporation. It provides financial technology to the financial services industry through two segments: a products business and Finergy, its services business. Product licenses and related activities made up 90.5% of FY26 revenue of Rs 7,672.1 Cr, and IT solutions and consulting made up 9.5%. Its customers are spread over 160 countries, and its Oracle Flexcube core banking product serves banks in more than 140 countries.^[1][2][3]

Business segments

Product licenses and related activities: 90.5% of FY26 revenue (Rs 6,941.6 Cr), with an EBIT margin of 49.6%. Its share of revenue rose 3.5pp over FY2018-FY2026.^[2]
IT solutions and consulting services: 9.5% of FY26 revenue (Rs 730.5 Cr), with an EBIT margin of 28.6%. Its share of revenue fell 1.0pp over FY2018-FY2026.^[2]
Finergy, the services business, provides consulting and business process outsourcing (BPO) services to the financial services industry.^[1]

Products and services

Oracle Flexcube was launched in 1997 and serves banks in over 140 countries.^[1]
The banking suite covers retail banking, corporate banking, digital experience, payments and revenue management. It runs on a cloud-native architecture with embedded AI/ML.^[1]
The OFSAA analytical applications cover risk, finance, treasury, front office, regulatory reporting and compliance. They are grouped into five portfolios.^[1]
The financial crime and compliance suite covers anti-money laundering, KYC, customer screening, sanctions filtering, case management and suspicious activity reporting.^[1]
Banking software is sold as on-premise licences, subscriptions and cloud services. Cloud revenue is reported within the product segment.^[4]
The company added five new banking cloud services to its cloud portfolio in FY25.^[1]
Investigation Hub Cloud Service became generally available in March 2025. It uses AI agents to automate financial crime investigations.^[5]
Its cloud-native platforms are also being deployed outside banking, including to telcos.^[4]

Technology, AI and R&D

The products now have an AI-first architecture that lets banks deploy AI agents across internal processes, with orchestration and governance built in.^[4]
Agentic AI has been deployed in engineering, testing, fraud detection and customer servicing (as of early FY26).^[5]
R&D spend was about 10% of revenue in FY26.^[4]
The analytics infrastructure (AAI and MMG) holds patents in the US (US-PTO) and the EU (EPO).^[1]
IDC MarketScape named the Digital Core Banking Platform a leader, and Chartis RiskTech AI50 2024 ranked Oracle at the top.^[1]

Key operating metrics

Remaining performance obligations were Rs 41,539 million in FY25, with 45% expected within one year. The FY25 report also gives Rs 34,923 million, with 43% expected within one year.^[1]
Remaining performance obligations grew 17% in FY25.^[5]
License and cloud revenue grew 13% in FY25, against total revenue growth of 7%.^[5][1]
License wins were a record $137M in FY24, up 44%.^[6]
Headcount was 8,887 as of March 31, 2025. Days sales outstanding were 58 days in FY25.^[5]

Customers and distribution

The largest customer, the Oracle group, accounted for 49% of consolidated revenue (FY24 annual report).^[6]
In several countries, the company contracts with end customers through local Oracle Corporation subsidiaries.^[1]
The customer base is spread over 160 countries.^[1]
Cloud core banking wins come from many large customers in many countries. Some deployments grew substantially from small first orders within six to twelve months.^[5]
Some client relationships span decades, including banks that grew from a few branches to 10,000-branch footprints.^[5]

Operations

The company is headquartered at Oracle Park, Goregaon (East), Mumbai. It operates from offices in India and abroad and has no manufacturing.^[1]
The company has no debt and expects operating cash flow to fund its capex and working capital.^[1]

Recent developments

A large strategic transaction announced in March 2026 was completed in Q1 FY27, with both parties' obligations under the definitive agreement fulfilled.^[4]
An interim dividend of Rs 265 per share was declared on April 25, 2025.^[1]

Market Cap

₹84,030 Cr

High / Low

₹12,413 / 6,232

Stock P/E

24.6

Price / Book

10.7

Book Value

₹899

EPS

₹303.3

No. of Shares

8.7 Cr

ROCE

45.4%

ROE

32.6%

OPM

46.4%

Debt / Equity

0.00

Sales

₹7,672 Cr

Net Profit

₹2,639 Cr

Promoter holding

72.4%

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Oracle Financial Services Software Ltd(OFSS)

About

Business segments

Products and services

Technology, AI and R&D

Key operating metrics

Customers and distribution

Operations

Recent developments

Signal history

The analysis Screener can't give you

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Verdict

Company data

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