Oracle Financial Services Software clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.
Data IntegrationFintechCloud InfrastructureRegTechSoftware DevelopmentBanking as a Service
Description
Oracle Financial Services Software Limited, together with its subsidiaries, provides information technology (IT) solutions and business processing services to the financial services industry.
Business segments
The company operates through multiple…
Analysis
Quality compounder
Oracle Financial Services Software Limited earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess. Worth noting: the cash the business generates has lagged behind what the income statement shows.
On valuation, the picture is expensive. The owner-earnings multiple stands at 28.0×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 11% a year, against analyst forecasts of 13%. The price, in other words, assumes less than the experts do.
Growth is moderate; the safety picture is sturdy. The company scores 12/20 on our value-creation score: creating some value.
Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.
360° rank · history
1007550250
Jan 202339
100
2023202420252026
All-time high
100
Jun 2026
All-time low
39
Jan 2023
Average rank
71
across all years
Detailed & Historical Ranks
Deep dive into 15 detailed ranks and 3 years of history.
Current202520242023
Price/Sales
7
8
27
30
Price/Earnings
22
40
64
82
Price/Book
9
12
37
56
Dividend Yield
100
77
96
100
Value (overall)
38
33
65
72
Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.