Oracle Financial Services Software Ltd provides financial software, custom application development, consulting, IT infrastructure management, and outsourced business processing services to the financial services industry. The company was incorporated in 1989 and is based in Mumbai, India. Oracle Financial Services Software Limited is a subsidiary of Oracle Global (Mauritius) Limited. The company was originally incorporated as Citicorp Information Technology Industries Ltd (CITIL) in 1989 and was renamed Oracle Financial Services Software Limited in 2008.
Oracle Financial Services Software Limited offers information technology and business processing solutions to the financial service industry. A major owned subsidiary of Oracle Corporation, the company is primarily engaged in product license and related activities (product) and information technology and consulting (services) business. OFSSL operates in 140 countries, covering 15% of the total world population through its operations.
As of July 2025, Oracle Financial Services Software has a market capitalization of ₹78,895 Crore, making it one of the significant players in the Indian IT services sector. The company maintains a promoter holding of 72.6%, indicating strong promoter confidence in the business.
The company's financial performance for Q4 FY25 shows solid fundamentals:
* Revenue: ₹1,716.30 Crore as on March 2025 (Q4 FY25)
* Net Profit: ₹643.90 Crore as on March 2025 (Q4 FY25)
* Net Profit Margin: 35.81% in Q4 FY2024-2025
Oracle Financial Services Software Ltd's revenue jumped 4.25% since the last year same period to ₹1,798.20 Crore in Q4 FY2024-2025. The company's net profit jumped 14.96% since the last year same period to ₹643.90 Crore in Q4 FY2024-2025. On a quarterly growth basis, Oracle Financial Services Software Ltd has generated an 18.95% jump in its net profits since the last 3-months.
The company operates primarily through Product Licenses (91% in Q2 FY25 vs 90% in FY22), which forms the core of its business model. The company provides IT solutions tailored for the financial services industry, featuring over 1,800 ready-to-deploy business and foundational banking APIs. The product suite includes Oracle FLEXCUBE Universal Banking, Oracle Banking Accounts, Oracle Banking Origination, Enterprise Limits and Collateral Management, Virtual Accounts Management, Oracle Banking Treasury Management, Oracle Banking Payments, etc.
Oracle Financial Services Software Ltd's top products include Oracle FLEXCUBE Universal Banking, Oracle Financial Services Profitability Management, Oracle Financial Services Anti-Money Laundering, and Oracle Financial Services Regulatory Reporting. These products are used by customers to power their digital transformation efforts, drive innovation, and ensure compliance. Additionally, Oracle Financial Services Software Ltd also offers popular brands such as Oracle Banking Platform, Oracle Banking Digital Experience, Oracle Financial Services Analytical Applications, and Oracle Financial Services Funds Transfer Pricing.
OFSSL launched Oracle Banking Cloud Services in 2023. The service helps banks renovate and modernize their business capabilities faster and with less risk. This cloud-first approach aligns with the industry's digital transformation trends and positions the company well for future growth.
The segment revenue grew by 23% between FY22 and FY24, driven by a 30% growth in license and cloud signings from US $105 million in FY22 to US $137 million in FY24. This demonstrates the company's ability to expand its licensing business and capitalize on the growing demand for cloud-based financial services solutions.
In the quarter ending March 2025, Oracle Financial Services Software Ltd declared a dividend of ₹265, translating to a dividend yield of 2.95%. The company has been maintaining a healthy dividend payout of 99.3%, indicating strong cash generation capabilities and commitment to returning value to shareholders.
The Oracle Financial Services Software Ltd's 52-week high share price is ₹13,203.60, and its 52-week low share price is ₹7,057.70. The stock is trading at 9.43 times its book value, which reflects the market's confidence in the company's intangible assets and growth prospects.
Oracle Financial Services Software Ltd share price moved up by 10.98% in the last 1 month and up by 21.31% in the last 3 months on BSE. However, the stock moved down by 4.64% in the last 12 months.
Analysts have set an OFSS target price of ₹10,000, indicating a slight upside of 11.22% compared to the current price of ₹8991, according to 1 analyst rating. Oracle Financial Services Software Ltd (OFSS) is showing bullish momentum, trading above ₹8,800. Analysts recommend long positions in the ₹8,700–₹8,900 range, targeting ₹9,800 with a stop loss at ₹8,300.
The company's strong fundamentals, consistent dividend policy, and strategic positioning in the rapidly growing financial technology sector make it an attractive investment proposition for long-term investors. However, the company has delivered a poor sales growth of 7.09% over the past five years, which investors should consider when evaluating the stock's growth potential.
The company is almost debt-free and has a good return on equity (ROE) track record: 3 Years ROE 27.8%, which indicates efficient capital utilization and strong financial health.
