NUCLEUS
Nucleus Software Exports Limited (NUCLEUS) Stock Analysis
Nucleus Software Exports Limited provides lending and transaction banking software to banks and financial institutions globally. Its FinnOne and related platforms support retail lending, corporate banking, and digital channels. The company combines product development with implementation services across Asia, Africa, and other markets. It is a listed Indian IT company with a strong BFSI focus.
Technology › Software - Application
₹677.00
+5.82% 1W | -32.80% 52W
Market Cap
1.8k CR
P/E Ratio
16.9
52W High
₹1064.8
52W Low
₹609.3
Div. Yield
1.84%
Beta
-0
50 DMA
₹694.6
200 DMA
₹773.7
Profit Margin
12.1%
Inst. Own.
2.3%
📊 ANALYZING TREND
📉 CONSOLIDATING DOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 207 | 205 | 204 | 210 | 195 | 202 | 206 | 229 | 218 | 214 | 220 | 225 | 210 |
| Expenses | 144 | 153 | 156 | 152 | 166 | 170 | 172 | 154 | 184 | 190 | 187 | 190 | 202 |
| Operating Profit | 63 | 52 | 48 | 58 | 29 | 32 | 33 | 74 | 34 | 23 | 33 | 35 | 8 |
| OPM % | 30% | 25% | 23% | 28% | 15% | 16% | 16% | 33% | 16% | 11% | 15% | 16% | 3.8% |
| Other Income | 13 | 12 | 12 | 14 | 15 | 19 | 16 | 17 | 18 | 16 | -4 | 12 | 28 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 4 | 4 | 5 | 5 |
| Profit before tax | 72 | 60 | 56 | 68 | 40 | 47 | 45 | 88 | 48 | 35 | 25 | 42 | 30 |
| Tax % | 25% | 26% | 26% | 24% | 24% | 29% | 22% | 26% | 27% | 26% | 16% | 17% | 21% |
| Net Profit | 54 | 45 | 41 | 52 | 30 | 33 | 35 | 65 | 35 | 26 | 21 | 35 | 24 |
| EPS in Rs | 20.01 | 16.65 | 15.43 | 19.47 | 11.28 | 12.56 | 13.28 | 24.60 | 13.37 | 9.99 | 7.86 | 13.12 | 9.07 |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 353 | 349 | 372 | 412 | 484 | 521 | 514 | 497 | 634 | 826 | 832 | 876 | 869 |
| Expenses | 287 | 318 | 319 | 353 | 405 | 427 | 384 | 460 | 478 | 606 | 664 | 750 | 769 |
| Operating Profit | 66 | 31 | 54 | 59 | 79 | 94 | 129 | 37 | 157 | 220 | 168 | 126 | 100 |
| OPM % | 19% | 9% | 14% | 14% | 16% | 18% | 25% | 7% | 25% | 27% | 20% | 14% | 11% |
| Other Income | 33 | 26 | 32 | 29 | 27 | 37 | 39 | 35 | 34 | 51 | 66 | 42 | 52 |
| Interest | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
| Depreciation | 12 | 12 | 11 | 7 | 10 | 14 | 14 | 15 | 19 | 15 | 15 | 16 | 18 |
| Profit before tax | 87 | 44 | 74 | 80 | 96 | 117 | 154 | 56 | 171 | 256 | 219 | 150 | 132 |
| Tax % | 25% | 26% | 11% | 22% | 23% | 24% | 23% | 26% | 25% | 25% | 26% | 22% | |
| Net Profit | 65 | 32 | 66 | 63 | 75 | 89 | 118 | 41 | 128 | 192 | 163 | 117 | 105 |
| EPS in Rs | 19.98 | 10.03 | 20.43 | 21.54 | 25.67 | 30.64 | 40.62 | 15.28 | 47.73 | 71.56 | 61.92 | 44.35 | 40.04 |
| Dividend Payout % | 25% | 50% | 24% | 37% | 35% | 29% | 22% | 46% | 21% | 17% | 20% | 28% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 11.0% | 11.0% | 10.0% |
| Profit CAGR | 0.0% | 2.0% | 13.0% |
Shareholding Pattern
Promoters73.59%
FIIs5.18%
DIIs1.49%
Public19.75%
Promoters73.59%
FIIs4.91%
DIIs1.38%
Public20.11%
Promoters73.59%
FIIs4.46%
DIIs1.21%
Public20.72%
Promoters73.59%
FIIs3.32%
DIIs1.48%
Public21.60%
Promoters73.59%
FIIs2.56%
DIIs1.25%
Public22.16%
Promoters73.27%
FIIs4.20%
DIIs0.33%
Public22.20%
Promoters73.26%
FIIs5.65%
DIIs1.90%
Public19.18%
Promoters73.59%
FIIs4.83%
DIIs1.50%
Public20.08%
Promoters73.59%
FIIs4.46%
DIIs1.21%
Public20.72%
Promoters73.59%
FIIs2.56%
DIIs1.25%
Public22.16%
NUCLEUS
Holdings Analysis
Key strengths & risk signals
52
Overall
58
Fundamental
46
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
POOR YEAR! Stock declined 32.8% in the last year.
WEAK POSITION! Current price (677.0) is below both moving averages.
WEAK! Trading at 14.9% of 52W range - near yearly lows.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BULLISH SENTIMENT! In last 30 days: 7 up days, 23 down days. Avg volume on up days: 19,450 vs down days: 18,547. Ratio: 1.05x
NEUTRAL! RSI at 52.9 - balanced momentum.
MARKET ALIGNED! Beta of 1.00 - moves with the market.
Fundamental & Technical Analysis
52Overall
58Fundamental
46Technical
Fundamental Breakdown
Growth Quality
13/30
Revenue CAGR: 11.4% (GOOD, 11/15). Profit CAGR: -3.0% (DECLINING, 2/15).
Profit Margin
5/10
DECENT EFFICIENCY! 12.1% profit margin - acceptable profitability.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
5/10
LOW DIVIDEND! 1.84% yield - minimal income contribution.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 22.4% public ownership - balanced ownership structure.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (694.6) is below 200-day average (773.7) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (677.0) is below both moving averages.
Trend Pattern
10/20
Current trend: CONSOLIDATING DOWN
52W Performance
0/10
POOR YEAR! Stock declined 32.8% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 7 up days, 23 down days. Avg volume on up days: 19,450 vs down days: 18,547. Ratio: 1.05x
RSI
3/5
NEUTRAL! RSI at 52.9 - balanced momentum.
52W Range
1/5
WEAK! Trading at 14.9% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 5.8% (1 week), -2.2% (1 month), -10.1% (3 months).
Beta
3/5
MARKET ALIGNED! Beta of 1.00 - moves with the market.
NUCLEUS
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-03 | Concall PDF | |
| Q4FY262026-05-26 | Concall PDF | |
| Q3FY262026-02-15 | Concall PDF | |
| Q2FY262025-11-13 | Concall PDF |
Peer Comparison
Technology · Software - Application · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| NUCLEUS | ₹677.00 | 16.9 | 12.1% | 11.4% | -3.0% | -32.8% | 52 | CONSOLIDATING DOWN | -32.1% | -30.9% | -3.4% | -6.4% |
| GENESYS | ₹237.60 | 46.9 | 9.1% | 21.9% | 19.5% | -56.1% | 62 | BREAKDOWN | -25.4% | -57.3% | +14.8% | -21.9% |
| INFOBEAN | ₹168.10 | 19.2 | 15.3% | 10.1% | 34.1% | +30.0% | 70 | BREAKOUT | -7.3% | +0.9% | +36.7% | +7.8% |
| RAMCOSYS | ₹571.50 | 51.6 | 5.8% | 12.5% | – | +0.7% | 62 | BREAKOUT | -33.3% | -97.6% | +7.1% | -6.8% |
| IZMO | ₹820.70 | 22.8 | 18.3% | 22.8% | 33.4% | -6.4% | 72 | BREAKDOWN | +103.3% | -29.5% | +15.8% | -40.1% |
| TECHNVISN | ₹3,753.20 | 783.5 | 1.1% | 21.1% | -0.2% | -19.9% | 50 | BREAKDOWN | – | -166.7% | +30.0% | +9.7% |
| SUBEXLTD | ₹19.00 | 35.2 | 10.2% | 0.0% | – | +35.8% | 58 | BREAKDOWN | +10.9% | +43.4% | +19.6% | +8.8% |
| EXCELSOFT | ₹84.90 | 19.3 | 15.7% | 11.8% | 24.6% | -33.8% | 69 | APPROACHING RESISTANCE | +55.9% | -44.6% | +44.2% | -1.1% |
Data from TradeAlone · Updated daily
NUCLEUS News
Nucleus Software’s Generative AI Agent Turns Loan Data into Personalized Videos in 11+ Languages2026-10-16Nucleus Software Exports Limited (nucleus) Appoints Sudhanshu Tripathi as CMO to Accelerate Global Growth in Banking Technology2026-09-22Nucleus Software Exports Limited (nucleus) Advances Transaction Banking Capabilities with Finnaxia® 9.0 Upgrade2026-08-12Nucleus Software Launches Finnone Neo® 9.0 and Finnaxia® 9.0 at First Nucleus Synapse2026-08-06Nucleus Software Announces Q1 FY 2026–27 Results; Continues Investment in Product Innovation and Global Growth2026-07-30Nucleus Software Appoints Bhavit Godiwala as Chief Customer Success Officer2026-06-23Nucleus Software Exports Limited (nucleus) Celebrates Five Years of Partnership with Hatton National Bank2026-06-12Nucleus Software Expands Indonesia Operations Via Strategic Partnership with Azentra Solusi Digital2026-06-10Nucleus Software Exports Limited (NSE: Nucleus) Announces Strong FY 2025–26 Performance: Accelerates Ai-led Innovation and Strengthens Global Growth Momentum2026-05-21
