OTCO International Ltd

OTCO

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Market Cap

₹ 9 Cr

P/E

—

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

SLUGGISH

Profitability

LOW MARGIN

Technicals

Bullish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

OTCO International Limited, established in 1981, is a Bangalore-based software company providing solutions for sectors like education, insurance, and corporates.

The company offers specialized enterprise software solutions, including 'Valuenet 2000', designed for educational and training purposes, and 'IMP@CT Software', tailored for microfinance institutions.

OTCO International has established strategic joint ventures and partnerships abroad, particularly tapping into the Bangladesh microfinance market with its software solutions.

The company has also ventured into credit referencing services, operating under MICRON Microfinance Credit Referencing and Obviating Network, thereby expanding its service offerings.

Despite a diverse solution portfolio, OTCO's historical focus and partnerships have centered significantly around the microfinance and financial solutions domain.

Sector

IT - Software

Industry

Computers - Software - Medium / Small

Market Cap

9 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

38.4

PEG Ratio

—

P/B Ratio

3.7

52W High

10.25

52W Low

6.15

Sales CAGR

-55.22%

-20.67%

18.26%

10Y

-18.20%

Profit CAGR

-50.00%

-44.50%

-18.27%

10Y

-29.45%

ROE

TTM

-8.74%

2.24%

6.05%

10Y

11.10%

ROCE

TTM

-2.32%

2.71%

7.33%

10Y

15.42%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
MPCOSEMB	27.28	10 Cr	—	0.00	0.00	2.79	-31.63	-10.26
GATECHDVR	0.50	9 Cr	2.27	0.00	0.00	14.20	13.95	5.36
WITS	239.90	9 Cr	—	0.00	0.00	-22.70	-22.65	-17.96
OTCO	6.72	9 Cr	—	3.71	0.00	-8.74	-2.32	-2.48
OONE	8.39	9 Cr	4.32	0.52	0.00	11.34	15.68	5.07
CAPRICORN	21.72	9 Cr	—	3.26	0.00	-6.38	-6.28	-4.48
GVPTECHPP	4.09	9 Cr	—	0.82	0.00	—	—	0.00

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Sales	0.36	0.28	0.62	0.75	0.67	0.15	0.00	0.09	0.06	0.00
Expenses	0.33	0.27	0.59	0.68	0.64	0.14	-0.01	0.05	0.05	0.22
Operating Profit	0.03	0.01	0.03	0.07	0.03	0.01	0.01	0.04	0.01	-0.22
OPM %	8.33	3.57	4.84	9.33	4.48	6.67	—	44.44	16.67	—
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.06	0.00	0.00	0.00	0.05	0.00	0.00
Profit Before Tax	0.03	0.00	0.03	0.01	0.02	0.01	0.01	0.00	0.00	-0.22
Tax %	0.00	—	0.00	100.00	0.00	0.00	0.00	—	—	0.00
Net Profit	0.03	0.00	0.03	0.00	0.02	0.01	0.01	-0.01	0.00	-0.22
EPS in Rs	0.02	0.00	0.02	0.00	0.02	0.00	0.01	-0.01	0.00	-0.17

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	1.49	27	0.25	0.39	4.11	1.81	1.27	2.01	0.90	0.30
Expenses	1.45	25	0.97	0.39	3.73	1.84	1.34	1.88	0.83	0.23
Operating Profit	0.05	1.76	-0.72	-0.00	0.38	-0.03	-0.07	0.14	0.07	0.07
OPM %	3.20	6.62	-282.40	-0.62	9.16	-1.82	-5.48	6.70	8.31	23.33
Other Income	0.06	0.06	0.23	0.10	0.15	0.24	0.17	0.00	0.01	NaN
Interest	0.00	0.03	0.19	0.00	0.00	0.00	0.00	0.01	0.00	0.00
Depreciation	0.01	0.03	0.02	0.01	0.01	0.01	0.00	0.06	0.05	0.05
Profit Before Tax	0.09	1.76	-0.69	0.08	0.51	0.20	0.10	0.07	0.04	0.02
Tax %	4.25	20.13	-0.89	0.00	18.54	14.38	13.55	13.85	15.71	—
Net Profit	0.09	1.41	-0.69	0.08	0.42	0.17	0.08	0.06	0.03	NaN
EPS in Rs	0.05	0.15	-0.37	0.07	0.31	0.14	0.06	0.04	0.02	-0.17
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	2.59	2.59	2.59	2.59	2.59	2.59	2.59	2.59	2.59	2.59
Reserves	-1.58	-1.49	-0.08	-0.78	-0.70	-0.28	-0.11	-0.02	0.04	0.07
Borrowings	0.00	0.00	1.47	2.15	2.17	1.19	1.29	4.39	6.41	5.88
Other Liabilities	0.20	1.01	2.42	1.75	1.61	3.63	2.17	0.29	0.76	0.05
Total Liabilities	1.21	2.11	6.40	5.72	5.67	7.13	5.95	7.25	9.80	8.59
Fixed Assets	0.01	0.01	0.06	0.04	0.03	0.02	0.01	0.01	0.12	0.08
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	1.20	2.10	6.33	5.67	5.64	7.11	5.93	7.24	9.68	8.51
Total Assets	1.21	2.11	6.40	5.72	5.67	7.13	5.95	7.25	9.80	8.59

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-2.71	-1.05	-0.02	2.26	-1.38	-2.90	-1.99	0.68
Cash from Investing Activity	-0.02	0.00	0.00	0.00	0.00	0.00	-0.17	-0.00
Cash from Financing Activity	1.44	0.49	0.02	-0.98	0.10	3.10	2.01	-0.53
Net Cash Flow	-1.29	-0.55	-0.01	1.28	-1.28	0.19	-0.14	0.15

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	74.21%	74.21%	74.21%	74.21%	74.21%	74.21%	74.21%	74.21%	74.21%	74.21%	74.22%	74.22%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	25.79%	25.79%	25.79%	25.79%	25.79%	25.79%	25.79%	25.79%	25.79%	25.79%	25.78%	25.78%
Total Shareholders	3,441	3,449	3,413	3,486	3,614	3,818	3,782	3,943	4,221	4,237	4,288	4,218

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

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Documents

Presentations

Concalls

Reports

Presentations

No documents found!

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Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Sales	0.36	0.28	0.62	0.75	0.67	0.15	0.00	0.09	0.06	0.00
Expenses	0.33	0.27	0.59	0.68	0.64	0.14	-0.01	0.05	0.05	0.22
Operating Profit	0.03	0.01	0.03	0.07	0.03	0.01	0.01	0.04	0.01	-0.22
OPM %	8.33	3.57	4.84	9.33	4.48	6.67	—	44.44	16.67	—
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.06	0.00	0.00	0.00	0.05	0.00	0.00
Profit Before Tax	0.03	0.00	0.03	0.01	0.02	0.01	0.01	0.00	0.00	-0.22
Tax %	0.00	—	0.00	100.00	0.00	0.00	0.00	—	—	0.00
Net Profit	0.03	0.00	0.03	0.00	0.02	0.01	0.01	-0.01	0.00	-0.22
EPS in Rs	0.02	0.00	0.02	0.00	0.02	0.00	0.01	-0.01	0.00	-0.17

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	1.49	27	0.25	0.39	4.11	1.81	1.27	2.01	0.90	0.30
Expenses	1.45	25	0.97	0.39	3.73	1.84	1.34	1.88	0.83	0.23
Operating Profit	0.05	1.76	-0.72	-0.00	0.38	-0.03	-0.07	0.14	0.07	0.07
OPM %	3.20	6.62	-282.40	-0.62	9.16	-1.82	-5.48	6.70	8.31	23.33
Other Income	0.06	0.06	0.23	0.10	0.15	0.24	0.17	0.00	0.01	NaN
Interest	0.00	0.03	0.19	0.00	0.00	0.00	0.00	0.01	0.00	0.00
Depreciation	0.01	0.03	0.02	0.01	0.01	0.01	0.00	0.06	0.05	0.05
Profit Before Tax	0.09	1.76	-0.69	0.08	0.51	0.20	0.10	0.07	0.04	0.02
Tax %	4.25	20.13	-0.89	0.00	18.54	14.38	13.55	13.85	15.71	—
Net Profit	0.09	1.41	-0.69	0.08	0.42	0.17	0.08	0.06	0.03	NaN
EPS in Rs	0.05	0.15	-0.37	0.07	0.31	0.14	0.06	0.04	0.02	-0.17
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	2.59	2.59	2.59	2.59	2.59	2.59	2.59	2.59	2.59	2.59
Reserves	-1.58	-1.49	-0.08	-0.78	-0.70	-0.28	-0.11	-0.02	0.04	0.07
Borrowings	0.00	0.00	1.47	2.15	2.17	1.19	1.29	4.39	6.41	5.88
Other Liabilities	0.20	1.01	2.42	1.75	1.61	3.63	2.17	0.29	0.76	0.05
Total Liabilities	1.21	2.11	6.40	5.72	5.67	7.13	5.95	7.25	9.80	8.59
Fixed Assets	0.01	0.01	0.06	0.04	0.03	0.02	0.01	0.01	0.12	0.08
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	1.20	2.10	6.33	5.67	5.64	7.11	5.93	7.24	9.68	8.51
Total Assets	1.21	2.11	6.40	5.72	5.67	7.13	5.95	7.25	9.80	8.59

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-2.71	-1.05	-0.02	2.26	-1.38	-2.90	-1.99	0.68
Cash from Investing Activity	-0.02	0.00	0.00	0.00	0.00	0.00	-0.17	-0.00
Cash from Financing Activity	1.44	0.49	0.02	-0.98	0.10	3.10	2.01	-0.53
Net Cash Flow	-1.29	-0.55	-0.01	1.28	-1.28	0.19	-0.14	0.15

Oscillators

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
MPCOSEMB	27.28	10 Cr	—	0.00	0.00	2.79	-31.63	-10.26
GATECHDVR	0.50	9 Cr	2.27	0.00	0.00	14.20	13.95	5.36
WITS	239.90	9 Cr	—	0.00	0.00	-22.70	-22.65	-17.96
OTCO	6.72	9 Cr	—	3.71	0.00	-8.74	-2.32	-2.48
OONE	8.39	9 Cr	4.32	0.52	0.00	11.34	15.68	5.07
CAPRICORN	21.72	9 Cr	—	3.26	0.00	-6.38	-6.28	-4.48
GVPTECHPP	4.09	9 Cr	—	0.82	0.00	—	—	0.00

Overview

Detailed Summary

OTCO International Limited, established in 1981, is a Bangalore-based software company providing solutions for sectors like education, insurance, and corporates.

The company offers specialized enterprise software solutions, including 'Valuenet 2000', designed for educational and training purposes, and 'IMP@CT Software', tailored for microfinance institutions.

OTCO International has established strategic joint ventures and partnerships abroad, particularly tapping into the Bangladesh microfinance market with its software solutions.

The company has also ventured into credit referencing services, operating under MICRON Microfinance Credit Referencing and Obviating Network, thereby expanding its service offerings.

Despite a diverse solution portfolio, OTCO's historical focus and partnerships have centered significantly around the microfinance and financial solutions domain.

Sector

IT - Software

Industry

Computers - Software - Medium / Small

Market Cap

9 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

38.4

PEG Ratio

—

P/B Ratio

3.7

52W High

10.25

52W Low

6.15

Sales CAGR

-55.22%

-20.67%

18.26%

10Y

-18.20%

Profit CAGR

-50.00%

-44.50%

-18.27%

10Y

-29.45%

ROE

TTM

-8.74%

2.24%

6.05%

10Y

11.10%

ROCE

TTM

-2.32%

2.71%

7.33%

10Y

15.42%