Nucleus Software provides lending and transaction banking products to the global financial services industry. As a pioneer in retail and corporate banking software since 1986.Their software powers the operations of more than 200 Financial Institutions in over 50 countries, supporting retail lending, corporate banking, cash management, mobile and internet banking, automotive finance and other business areas.[1]
Business OverviewThe company offers Fintech solutions to 200+ banks and financial institutions across 50 countries supporting Retail, Corporate & SME Finance, Islamic Finance, Automotive Finance, Captive Automotive Finance, Cash Management, Mobile & Internet Banking, Transaction Banking, and more. It facilitates 26+ million transactions daily through its globally integrated transaction banking platform. Its lending platform manages US $ 500 Bn of loans in India and US $700+ Bn globally while enabling 500,000+ users to log in daily.[1]
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Oracle Fin.Serv. | 7531.00 | 27.61 | 65532.43 | 3.52 | 546.10 | -5.47 | 1788.80 | 6.86 | 40.60 | 7072.50 | 43.55 | 2373.20 | 546.10 | 8.89 | 24.01 | 0.00 |
| 2. | C.E. Info System | 1526.40 | 57.36 | 8352.71 | 0.23 | 18.52 | -38.97 | 113.77 | 9.74 | 24.13 | 493.47 | 35.90 | 145.63 | 18.51 | 10.03 | 14.74 | 0.01 |
| 3. | Tanla Platforms | 483.40 | 13.38 | 6410.72 | 2.48 | 125.05 | -3.96 | 1078.48 | 7.77 | 29.19 | 4143.93 | 16.13 | 479.30 | 125.05 | 2.83 | 15.99 | 0.03 |
| 4. | Capillary Tech. | 635.75 | 356.34 | 5042.25 | 0.00 | 1.03 | – | 359.22 | – | 2.88 | 598.26 | 10.86 | 14.15 | 1.03 | – | 1.66 | 0.17 |
| 5. | Technvision Ven. | 6279.20 | 3104.99 | 3943.34 | 0.00 | 0.71 | 127.52 | 71.23 | 29.30 | 9.81 | 248.16 | 2.38 | 1.27 | 0.71 | 353.06 | 0.07 | 0.87 |
| 6. | Nucleus Soft. | 910.05 | 14.83 | 2395.73 | 1.37 | 27.85 | -23.74 | 196.37 | 6.00 | 23.07 | 798.88 | 19.18 | 161.51 | 27.85 | 2.92 | 12.16 | 0.01 |
| 7. | Ramco Systems | 480.55 | 207.36 | 1797.83 | 0.00 | 12.59 | 229.26 | 175.78 | 23.35 | -5.40 | 648.95 | 19.11 | 8.67 | 12.59 | 5.54 | -5.09 | 0.15 |
| – | Median: 26 Co. | 208.88 | 43.96 | 573.86 | 0.0 | 5.04 | 29.31 | 58.05 | 20.28 | 9.81 | 166.91 | 16.77 | 8.32 | 3.58 | 3.05 | 6.28 | 0.07 |
Standalone figures in ₹ crores
| Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | 118 | 156 | 192 | 196 | 189 | 188 | 193 | 182 | 185 | 189 | 213 | 201 | 196 |
Expenses | 106 | 109 | 111 | 131 | 141 | 141 | 139 | 152 | 155 | 160 | 141 | 169 | 175 |
Operating Profit | 12 | 47 | 81 | 65 | 49 | 46 | 54 | 30 | 30 | 29 | 72 | 32 | 21 |
Other Income | 9 | 10 | 10 | 11 | 12 | 12 | 14 | 15 | 23 | 15 | 17 | 24 | 19 |
Profit before tax | 16 | 52 | 88 | 73 | 57 | 55 | 64 | 41 | 50 | 40 | 85 | 53 | 37 |
Tax % | 25% | 26% | 24% | 25% | 27% | 26% | 24% | 24% | 26% | 24% | 26% | 25% | 24% |
Net Profit | 12 | 39 | 67 | 55 | 42 | 40 | 48 | 31 | 37 | 31 | 63 | 40 | 28 |
EPS in Rs | 4.42 | 14.40 | 24.95 | 20.50 | 15.73 | 15.12 | 18.11 | 11.64 | 13.87 | 11.73 | 24.01 | 15.04 | 10.58 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | 241 | 279 | 278 | 299 | 337 | 397 | 444 | 454 | 448 | 585 | 766 | 769 | 799 |
Expenses | 195 | 218 | 265 | 264 | 295 | 336 | 367 | 332 | 412 | 428 | 553 | 609 | 646 |
Operating Profit | 46 | 61 | 13 | 36 | 43 | 61 | 77 | 122 | 36 | 157 | 214 | 160 | 153 |
Other Income | 29 | 29 | 51 | 32 | 42 | 40 | 64 | 37 | 34 | 34 | 49 | 70 | 75 |
Interest | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 1 |
Depreciation | 7 | 11 | 11 | 10 | 6 | 7 | 11 | 11 | 13 | 17 | 13 | 14 | 13 |
Profit before tax | 68 | 80 | 53 | 57 | 78 | 94 | 129 | 147 | 57 | 173 | 249 | 216 | 214 |
Net Profit | 55 | 61 | 45 | 52 | 66 | 76 | 102 | 112 | 42 | 130 | 186 | 162 | 162 |
EPS in Rs | 17.01 | 18.76 | 13.79 | 15.99 | 22.59 | 26.04 | 35.20 | 38.58 | 15.72 | 48.69 | 69.45 | 61.45 | 61.36 |
Dividend Payout % | 35% | 27% | 36% | 31% | 35% | 35% | 26% | 23% | 45% | 21% | 18% | 20% | – |
Standalone figures in ₹ crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 32 | 32 | 32 | 32 | 29 | 29 | 29 | 29 | 27 | 27 | 27 | 26 | 26 |
Reserves | 323 | 362 | 392 | 458 | 391 | 441 | 513 | 618 | 443 | 561 | 722 | 757 | 795 |
Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 3 | 1 | 6 | 4 | 2 | 7 |
Other Liabilities | 104 | 118 | 116 | 117 | 172 | 162 | 188 | 200 | 230 | 247 | 319 | 325 | 364 |
Total Liabilities | 460 | 513 | 540 | 608 | 591 | 632 | 736 | 850 | 700 | 840 | 1,072 | 1,110 | 1,193 |
Fixed Assets | 44 | 41 | 35 | 30 | 31 | 32 | 41 | 32 | 43 | 36 | 45 | 48 | 63 |
Gross Block | 106.79 | 113.43 | 118.24 | 40.06 | 47.04 | 55.48 | 72.37 | 74.02 | 94.88 | 101.84 | 114.44 | 128.45 | – |
Accumulated Depreciation | 62.86 | 72.06 | 82.82 | 10.26 | 16.48 | 23.31 | 31.07 | 41.53 | 51.51 | 65.41 | 69.80 | 80.53 | – |
CWIP | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 |
Investments | 226 | 171 | 253 | 447 | 394 | 433 | 489 | 649 | 494 | 540 | 664 | 656 | 691 |
Other Assets | 189 | 300 | 250 | 130 | 167 | 167 | 205 | 169 | 162 | 263 | 363 | 407 | 439 |
Total Assets | 460 | 513 | 540 | 608 | 591 | 632 | 736 | 850 | 700 | 840 | 1,072 | 1,110 | 1,193 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operating Activity | 37 | 42 | 12 | 81 | 68 | 38 | 69 | 106 | 56 | 52 | 212 | 139 |
Cash from Investing Activity | -28 | -15 | 17 | -74 | 73 | -17 | -9 | -126 | 159 | -13 | -197 | -13 |
Cash from Financing Activity | -10 | -23 | -34 | 0 | -134 | -25 | -32 | -11 | -211 | -21 | -29 | -125 |
Net Cash Flow | -1 | 5 | -5 | 7 | 8 | -5 | 28 | -31 | 4 | 18 | -15 | 1 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 48 | 101 | 102 | 65 | 74 | 56 | 66 | 65 | 62 | 103 | 75 | 61 |
Inventory Days | – | – | – | – | – | – | – | – | – | – | – | – |
Days Payable | – | – | – | – | – | – | – | – | – | – | – | – |
Cash Conversion Cycle | 48 | 101 | 102 | 65 | 74 | 56 | 66 | 65 | 62 | 103 | 75 | 61 |
Working Capital Days | -14 | -1 | 1 | -54 | -87 | -63 | -66 | -72 | -89 | -21 | -42 | -47 |
ROCE % | 19% | 19% | 13% | 12% | 17% | 20% | 25% | 23% | 7% | 29% | 32% | 23% |
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Stock Analysis
{
"Description": "Nucleus Software Exports Limited provides lending and transaction banking products to global financial institutions. It supports retail lending, corporate banking, cash management, and other areas, powering operations for over 200 financial institutions worldwide.",
"Key Growth Triggers": "Currently no data available for Key Growth Triggers.",
"Order Book": "Currently no data available for Order Book.",
"Key Red Flags": "Currently no data available for Key Red Flags.",
"Key Dates To Watch": "Currently no data available for Key Dates To Watch."
}
Corporate Announcements
