Oracle Financial Services Software Limited vs PB Fintech Limited
An objective side-by-side of OFSS and POLICYBZR, both in Computers - Software - Medium / Small: valuation, profitability, growth, balance sheet, ownership and share-price performance. Where one number is clearly better on its own terms (lower P/E, higher ROE), it is shaded. That is a description, not a recommendation.
Prices as of 2026-09-21 close
Latest results: OFSS Jun 2026 · POLICYBZR Jun 2026
At a glance
- Oracle Financial Services Software Limited is the larger company by market value, about 1.1 times the size of PB Fintech Limited.
- On trailing earnings, Oracle Financial Services Software Limited trades at the lower P/E (27.8 against 223.9).
- Oracle Financial Services Software Limited earns the higher return on equity (43.6% against 5.1%).
- Over three years PB Fintech Limited has grown profits faster (50% a year against 13%).
- Over the past year the share prices returned +21.6% (OFSS) and -0.8% (POLICYBZR).
| Metric | Oracle Financial OFSS |
PB Fintech POLICYBZR |
|---|---|---|
| Size and price | ||
| Market cap | ₹95,016 Cr | ₹82,855 Cr |
| Share price | ₹10,911 | ₹1,793 |
| Valuation | ||
| P/E | 27.83 | 223.88 |
| P/B | 12.14 | 11.33 |
| EV/EBITDA | 21.09 | 199.37 |
| PEG | 2.14 | 4.48 |
| Dividend yield | 3.7% | 0.0% |
| Profitability | ||
| ROE | 43.6% | 5.1% |
| ROCE | 45.0% | 10.0% |
| Operating margin | 50.4% | 6.8% |
| Sales (TTM) | ₹8,945 Cr | ₹6,094 Cr |
| Net profit (TTM) | ₹3,414 Cr | ₹370 Cr |
| Growth | ||
| Latest quarter sales YoY | +68.7% | +37.0% |
| Latest quarter profit YoY | +120.5% | +92.5% |
| Sales CAGR 3Y | +10.0% | +38.0% |
| Profit CAGR 3Y | +13.0% | +50.0% |
| Sales CAGR 5Y | +9.0% | +50.0% |
| Profit CAGR 5Y | +8.0% | +42.0% |
| Financial strength | ||
| Debt/Equity | 0.00 | 0.05 |
| Interest cover | 1,218.46 | — |
| Ownership | ||
| Promoter holding | 72.4% | — |
| Promoter change (4 qtrs) | -0.12 pp | — |
| Price performance | ||
| Return 1M | -7.74% | +0.75% |
| Return 3M | +12.12% | +7.44% |
| Return 1Y | +21.63% | -0.77% |
| Return YTD | +41.94% | -1.79% |
| Technical condition | ||
| Technical score | 41 | 51 |
| RS rating (1-99) | 83.00 | 60.00 |
| % vs 200-DMA | +19.57% | +8.46% |
| RSI (14) | 35.86 | 52.23 |
| % from 52-week high | -12.99% | -8.72% |
