On consolidated basisQuarter ended September 2026 compared with Quarter ended June 2026.
Net sales (including other operating income) of Oracle Financial Services Software has declined 38.99% to Rs 1906.6 crore.
Operating profit margin has declined from 60.04% to 48.55%, leading to 50.67% decline in operating profit to Rs 925.60 crore. Employee cost increased from 34.41% to 41.07%. Other expenses rose from 5.55% to 10.38%. Selling and administration expenses rose from 4.34% to 7.72%. Other income fell 15.59% to Rs 65.5 crore. PBIDT fell 49.28% to Rs 991.1 crore. Provision for interest rose 57.14% to Rs 1.1 crore. Loan funds remained nil. PBDT fell 49.32% to Rs 990 crore. Provision for depreciation fell 6.12% to Rs 13.8 crore. Profit before tax down 49.65% to Rs 976.20 crore. Share of profit/loss were nil in both the periods. Provision for tax was expense of Rs 273.8 crore, compared to Rs 523.2 crore. Effective tax rate was 28.05% compared to 26.99%. Minority interest was nil in both the periods. Net profit attributable to owners of the company decreased 50.38% to Rs 702.40 crore. Promoters? stake was 72.39% as of 30 September 2026 ,compared to 72.41% as of 30 June 2026 .
Quarter ended September 2026 compared with Quarter ended September 2025.
Net sales (including other operating income) of Oracle Financial Services Software has increased 6.59% to Rs 1906.6 crore. Sales of Product license & relat segment has gone up 5.70% to Rs 1,715.80 crore (accounting for 89.99% of total sales). Sales of IT Solutions & Consulting services segment has gone up 15.22% to Rs 190.80 crore (accounting for 10.01% of total sales).
Profit before interest, tax and other unallocable items (PBIT) has jumped 18.31% to Rs 965.80 crore. PBIT of Product license & relat segment rose 15.60% to Rs 897.90 crore (accounting for 92.97% of total PBIT). PBIT of IT Solutions & Consulting services segment rose 71.46% to Rs 67.90 crore (accounting for 7.03% of total PBIT). PBIT margin of Product license & relat segment rose from 47.85% to 52.33%. PBIT margin of IT Solutions & Consulting services segment rose from 23.91% to 35.59%. Overall PBIT margin rose from 45.63% to 50.66%. Operating profit margin has jumped from 42.22% to 48.55%, leading to 22.56% rise in operating profit to Rs 925.60 crore. Employee cost decreased from 45.56% to 41.07%. Other expenses fell from 12.22% to 10.38%. Selling and administration expenses fell from 7.76% to 7.72%. Other income fell 1.21% to Rs 65.5 crore. PBIDT rose 20.65% to Rs 991.1 crore. Provision for interest fell 85.90% to Rs 1.1 crore. Loan funds rose to Rs 36.00 crore as of 30 September 2026 from Rs 34.00 crore as of 30 September 2025. Sundry debtors were lower at Rs 1,198.60 crore as of 30 September 2026 compared to Rs 1,431.40 crore as of 30 September 2025. Cash and bank balance rose to Rs 5,658.10 crore as of 30 September 2026 from Rs 4,843.10 crore as of 30 September 2025. PBDT rose 21.67% to Rs 990 crore. Provision for depreciation fell 16.36% to Rs 13.8 crore. Fixed assets declined from Rs 209.20 crore as of 30 September 2025 to Rs 186.40 crore as of 30 September 2026. Intangible assets stood at Rs 608.70 crore. Profit before tax grew 22.45% to Rs 976.20 crore. Share of profit/loss were nil in both the periods. Provision for tax was expense of Rs 273.8 crore, compared to Rs 251.1 crore. Effective tax rate was 28.05% compared to 31.50%. Minority interest was nil in both the periods. Net profit attributable to owners of the company increased 28.62% to Rs 702.40 crore. Equity capital increased from Rs 43.50 crore as of 30 September 2025 to Rs 43.60 crore as of 30 September 2026. Per share face Value remained same at Rs 5.00. Promoters? stake was 72.39% as of 30 September 2026 ,compared to 72.53% as of 30 September 2025 .
Year-to-date (YTD) results analysis.
Net sales (including other operating income) of Oracle Financial Services Software has increased 38.20% to Rs 5031.8 crore. Sales of Product license & relat segment has gone up 41.06% to Rs 4,651.60 crore (accounting for 92.44% of total sales). Sales of IT Solutions & Consulting services segment has gone up 10.68% to Rs 380.20 crore (accounting for 7.56% of total sales).
Profit before interest, tax and other unallocable items (PBIT) has jumped 70.91% to Rs 2,899.40 crore. PBIT of Product license & relat segment rose 74.29% to Rs 2,793.20 crore (accounting for 96.34% of total PBIT). PBIT of IT Solutions & Consulting services segment rose 13.22% to Rs 106.20 crore (accounting for 3.66% of total PBIT). PBIT margin of Product license & relat segment rose from 48.60% to 60.05%. PBIT margin of IT Solutions & Consulting services segment rose from 27.31% to 27.93%. Overall PBIT margin rose from 46.59% to 57.62%. Operating profit margin has jumped from 43.99% to 55.69%, leading to 74.97% rise in operating profit to Rs 2,802.10 crore. Employee cost decreased from 45.43% to 36.93%. Other expenses fell from 10.59% to 7.38%. Selling and administration expenses fell from 6.98% to 5.62%. Other income rose 3.10% to Rs 143.1 crore. PBIDT rose 69.24% to Rs 2945.2 crore. Provision for interest fell 48.57% to Rs 1.8 crore. Loan funds rose to Rs 36.00 crore as of 30 September 2026 from Rs 34.00 crore as of 30 September 2025. Sundry debtors were lower at Rs 1,198.60 crore as of 30 September 2026 compared to Rs 1,431.40 crore as of 30 September 2025. Cash and bank balance rose to Rs 5,658.10 crore as of 30 September 2026 from Rs 4,843.10 crore as of 30 September 2025. PBDT rose 69.47% to Rs 2943.4 crore. Provision for depreciation fell 16.67% to Rs 28.5 crore. Fixed assets declined from Rs 209.20 crore as of 30 September 2025 to Rs 186.40 crore as of 30 September 2026. Intangible assets stood at Rs 608.70 crore. Profit before tax grew 71.20% to Rs 2,914.90 crore. Share of profit/loss were nil in both the periods. Provision for tax was expense of Rs 797 crore, compared to Rs 514.6 crore. Effective tax rate was 27.34% compared to 30.22%. Minority interest was nil in both the periods. Net profit attributable to owners of the company increased 78.27% to Rs 2,117.90 crore. Equity capital increased from Rs 43.50 crore as of 30 September 2025 to Rs 43.60 crore as of 30 September 2026. Per share face Value remained same at Rs 5.00. Promoters? stake was 72.39% as of 30 September 2026 ,compared to 72.53% as of 30 September 2025 . Cash flow from operating activities increased to Rs 2,354.30 crore for YTD ended September 2026 from Rs 1,029.70 crore for YTD ended September 2025. Cash flow used in acquiring fixed assets during the YTD ended September 2026 stood at Rs 19.00 crore, compared to Rs 46.20 crore during the YTD ended September 2025.
Full year results analysis.
Net sales (including other operating income) of Oracle Financial Services Software has increased 12.05% to Rs 7672.1 crore. Sales of Product license & related activitie segment has gone up 11.70% to Rs 6,941.60 crore (accounting for 90.48% of total sales). Sales of IT Solutions & Consulting services segment has gone up 15.51% to Rs 730.50 crore (accounting for 9.52% of total sales).
Profit before interest, tax and other unallocable items (PBIT) has jumped 14.04% to Rs 3,650.80 crore. PBIT of Product license & related activitie segment rose 13.77% to Rs 3,441.80 crore (accounting for 94.28% of total PBIT). PBIT of IT Solutions & Consulting services segment rose 18.75% to Rs 209.00 crore (accounting for 5.72% of total PBIT). PBIT margin of Product license & related activitie segment rose from 48.68% to 49.58%. PBIT margin of IT Solutions & Consulting services segment rose from 27.83% to 28.61%. Overall PBIT margin rose from 46.76% to 47.59%. Operating profit margin has jumped from 44.93% to 45.33%, leading to 13.04% rise in operating profit to Rs 3,477.40 crore. Employee cost decreased from 46.81% to 44.76%. Other expenses rose from 8.26% to 9.92%. Selling and administration expenses rose from 6.08% to 6.95%. Other income fell 11.05% to Rs 270.6 crore. PBIDT rose 10.87% to Rs 3748 crore. Provision for interest rose 400% to Rs 2.5 crore. Loan funds declined from Rs 45.60 crore as of 31 March 2025 to Rs 32.50 crore as of 31 March 2026. Sundry debtors were higher at Rs 1,351.40 crore as of 31 March 2026 compared to Rs 1,183.70 crore as of 31 March 2025. Cash and bank balance declined from Rs 5,951.40 crore as of 31 March 2025 to Rs 5,509.80 crore as of 31 March 2026. PBDT rose 10.81% to Rs 3745.5 crore. Provision for depreciation fell 5.35% to Rs 65.4 crore. Fixed assets declined from Rs 196.30 crore as of 31 March 2025 to Rs 189.20 crore as of 31 March 2026. Intangible assets stood at Rs 608.70 crore. Profit before tax grew 11.15% to Rs 3,680.10 crore. Share of profit/loss were nil in both the periods. Provision for tax was expense of Rs 1040.8 crore, compared to Rs 931.3 crore. Effective tax rate was 28.28% compared to 28.13%. Minority interest was nil in both the periods. Net profit attributable to owners of the company increased 10.91% to Rs 2,639.30 crore. Equity capital increased from Rs 43.40 crore as of 31 March 2025 to Rs 43.50 crore as of 31 March 2026. Per share face Value remained same at Rs 5.00. Promoters? stake was 72.44% as of 31 March 2026 ,compared to 72.59% as of 31 March 2025 . Cash flow from operating activities increased to Rs 2,638.30 crore for year ended March 2026 from Rs 2,198.90 crore for year ended March 2025. Cash flow used in acquiring fixed assets during the year ended March 2026 stood at Rs 51.70 crore, compared to Rs 35.20 crore during the year ended March 2025.
Operational Highlights:
Q2FY2027
Products business posted revenue of Rs. 1,716 Crore, up 6%. Services business posted revenue of Rs. 191 Crore, up 15%. Remaining Performance obligation was Rs. 7,211 Crore, up 14%
H1FY2027
Products business posted revenue of Rs. 4,652 Crore, up 41%. Services business posted revenue of Rs. 380 Crore, up 11
Management Comment:
Commenting on the performance, Avadhut Ketkar, Managing Director and Chief Executive Officer, Oracle Financial Services Software said, We have delivered another strong quarter, reinforcing the growth momentum witnessed at the beginning of the financial year. The year-on-year growth of 7% in revenues, 25% in operating income, and 29% in net income demonstrates the strength of our business and our ability to deliver sustained financial performance. Our deep domain expertise, comprehensive portfolio of solutions, and advancements in AI-powered capabilities continue to position us strongly to address the evolving business needs of financial institutions worldwide. This performance provides a solid foundation as we enter the second half of the financial year. Manish Bhandari, Chief Financial Officer, Oracle Financial
Services Software said Our operating and net margins remained healthy during the quarter, reflecting the quality of our financial performance and commitment to operational efficiency. Our strong execution contributed to a net margin of 37% for the quarter, an increase of 6 percentage points year- on-year. Our operating parameters continue to be robust, reflecting our focus on financial discipline and operational excellence.| Oracle Financial Services Software : Consolidated Results |
| | Quarter ended | Year to Date | Year ended |
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| Particulars | 202609 | 202509 | Var.(%) | 202609 | 202509 | Var.(%) | 202603 | 202503 | Var.(%) |
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| Net Sales (including other operating income) | 1,906.60 | 1,788.80 | 6.59 | 5,031.80 | 3,641.00 | 38.20 | 7,672.10 | 6,846.80 | 12.05 | | OPM (%) | 48.55 | 42.22 | 633 bps | 55.69 | 43.99 | 1,170 bps | 45.33 | 44.93 | 39 bps | | OP | 925.60 | 755.20 | 22.56 | 2,802.10 | 1,601.50 | 74.97 | 3,477.40 | 3,076.30 | 13.04 | | Other Inc. | 65.50 | 66.30 | -1.21 | 143.10 | 138.80 | 3.10 | 270.60 | 304.20 | -11.05 | | PBIDT | 991.10 | 821.50 | 20.65 | 2,945.20 | 1,740.30 | 69.24 | 3,748.00 | 3,380.50 | 10.87 | | Interest | 1.10 | 7.80 | -85.90 | 1.80 | 3.50 | -48.57 | 2.50 | 0.50 | 400.00 | | PBDT | 990.00 | 813.70 | 21.67 | 2,943.40 | 1,736.80 | 69.47 | 3,745.50 | 3,380.00 | 10.81 | | Depreciation | 13.8 | 16.5 | -16.36 | 28.5 | 34.2 | -16.67 | 65.4 | 69.1 | -5.35 | | PBT | 976.20 | 797.20 | 22.45 | 2914.9 | 1702.6 | 71.20 | 3680.1 | 3310.9 | 11.15 | | Share of Profit/(Loss) from Associates | 0 | 0 | - | 0 | 0 | - | 0 | 0 | - | | PBT before EO | 976.2 | 797.2 | 22.45 | 2914.9 | 1702.6 | 71.20 | 3680.1 | 3310.9 | 11.15 | | EO Income | 0 | 0 | - | 0 | 0 | - | 0 | 0 | - | | PBT after EO | 976.2 | 797.2 | 22.45 | 2914.9 | 1702.6 | 71.20 | 3680.1 | 3310.9 | 11.15 | | Taxation | 273.8 | 251.1 | 9.04 | 797 | 514.6 | 54.88 | 1040.8 | 931.3 | 11.76 | | PAT | 702.4 | 546.1 | 28.62 | 2117.9 | 1188 | 78.27 | 2639.3 | 2379.6 | 10.91 | | Minority Interest (MI) | 0 | 0 | - | 0 | 0 | - | 0 | 0 | - | | Net profit | 702.4 | 546.1 | 28.62 | 2117.9 | 1188 | 78.27 | 2639.3 | 2379.6 | 10.91 | | P/(L) from discontinued operations net of tax | 0 | 0 | - | 0 | 0 | - | 0 | 0 | - | | Net profit after discontinued operations | 702.4 | 546.1 | 28.62 | 2117.9 | 1188 | 78.27 | 2639.3 | 2379.6 | 10.91 | | EPS (Rs)* | 80.61 | 62.67 | 28.62 | 243.06 | 136.34 | 78.27 | 302.89 | 273.09 | 10.91 | | | * EPS is on current equity of Rs 43.57 crore, Face value of Rs 5, Excluding extraordinary items. | | # EPS is not annualised | | bps : Basis points | | EO : Extraordinary items | | Figures in Rs crore | | Source: Capitaline Corporate Database |
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| Oracle Financial Services Software : Consolidated Segment Results |
td>-| | Quarter ended | Year to Date | Year ended |
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| % of (Total) | 202609 | 202509 | Var.(%) | % of (Total) | 202609 | 202509 | Var.(%) | % of (Total) | 202603 | 202503 | Var.(%) |
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| Sales | | Product license & relat | 89.99 | 1,715.80 | 1,623.20 | 5.70 | 92.44 | 4,651.60 | 3,297.50 | 41.06 | 90.48 | 6,941.60 | 6,214.40 | 11.70 | | IT Solutions & Consulting services | 10.01 | 190.80 | 165.60 | 15.22 | 7.56 | 380.20 | 343.50 | 10.68 | 9.52 | 730.50 | 632.40 | 15.51 | | Total Reported Sales | 100.00 | 1,906.60 | 1,788.80 | 6.59 | 100.00 | 5,031.80 | 3,641.00 | 38.20 | 100.00 | 7,672.10 | 6,846.80 | 12.05 | | Less: Inter segment revenues | | 0.00 | 0.00 | - | | 0.00 | 0.00 | | 0.00 | 0.00 | - | | Net Sales | 100.00 | 1,906.60 | 1,788.80 | 6.59 | 100.00 | 5,031.80 | 3,641.00 | 38.20 | 100.00 | 7,672.10 | 6,846.80 | 12.05 | | PBIT | | Product license & relat | 92.97 | 897.90 | 776.70 | 15.60 | 96.34 | 2,793.20 | 1,602.60 | 74.29 | 94.28 | 3,441.80 | 3,025.30 | 13.77 | | IT Solutions & Consulting services | 7.03 | 67.90 | 39.60 | 71.46 | 3.66 | 106.20 | 93.80 | 13.22 | 5.72 | 209.00 | 176.00 | 18.75 | | Total PBIT | 100.00 | 965.80 | 816.30 | 18.31 | 100.00 | 2,899.40 | 1,696.40 | 70.91 | 100.00 | 3,650.80 | 3,201.30 | 14.04 | | Less : Interest | | 0.00 | 0.00 | - | | 0.00 | 0.00 | - | | 0.00 | 0.00 | - | | Add: Other un-allcoable | | 10.40 | -19.10 | LP | | 15.50 | 6.20 | 150.00 | | 29.30 | 109.60 | -73.27 | | PBIT Margin(%) | | Product license & relat | | 52.33 | 47.85 | 448.13 | | 60.05 | 48.60 | 1,144.77 | | 49.58 | 48.68 | 90.01 | | IT Solutions & Consulting services | | 35.59 | 23.91 | 1,167.40 | | 27.93 | 27.31 | 62.55 | | 28.61 | 27.83 | 78.01 | | PBT | 100.00 | 976.20 | 797.20 | 22.45 | 100.00 | 2,914.90 | 1,702.60 | 71.20 | 100.00 | 3,680.10 | 3,310.90 | 11.15 |
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