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STOCK COMPARISON

Oracle Financial Services Software vs Microsoft: Fair Value & Quality

Both stocks run through our valuation models. Here is how Oracle Financial Services Software (OFSS) and Microsoft (MSFT) compare, as of Aug 14, 2026.

As of Aug 14, 2026, Fair Value Calculator sees Microsoft as the less overvalued of the two: Oracle Financial Services Software trades at ₹11,828 versus a fair value of ₹6,897 (-42%), while Microsoft trades at $497 versus $381 (-23%).
Oracle Financial Services Software
OFSS.NSE · INR · Information Technology
-42%
upside to fair value
overvalued
Price₹11,828
Fair Value₹6,897
Quality90/100
Microsoft
MSFT · USD · Information Technology
-23%
upside to fair value
overvalued
Price$497
Fair Value$381
Quality68/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Oracle Financial Services SoftwareMicrosoft
Valuation
38.8×P/E (TTM)22.9×
13.30×P/S (TTM)8.99×
13.03×P/B8.33×
27.9×EV/EBITDA15.6×
—PEG1.19×
3.4%Dividend yield0.9%
₹400Dividend per share$3.56
Profitability
34%Net margin39%
50%Operating margin46%
33%Return on equity34%
21%Return on assets15%
Growth
20%Revenue growth (YoY)18%
10.4%Avg. growth/yr (3Y)12.4%
9.0%Avg. growth/yr (5Y)14.5%
Balance & size
—Debt / equity0.12×
$11BMarket cap$2.9T
healthyGrowth qualityexpensive

Microsoft leads: 4 to 8 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Oracle Financial Services Softwareof which business quality 86 · market factors 86 Microsoftof which business quality 65 · market factors 52
ProfitabilityMargins and returns on capital today
85
75
Quality GrowthAre margins and returns improving?
69
53
CashflowEarnings quality: real cash, not paper profit
85
71
Fin. StrengthBalance sheet, leverage, solvency risk
100
79
InvestmentDisciplined investing over empire-building
93
1
Low VolatilityCalm price path (market factor)
80
57
MomentumPrice trend over the last 3–12 months (market factor)
87
49
52W MomentumDistance to the 52-week high (market factor)
91
50
Net IssuanceBuybacks instead of dilution
80
84

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Oracle Financial Services Software

DCF Models₹7,350
Earnings-Based₹3,026
Dividend Discount₹7,435
Multiples₹6,487
Asset-Based₹602
Growth DCF₹6,376
Economic Profit₹3,089
Growth Earnings₹7,474

26 of 26 models see the stock below the current price.

Microsoft

DCF Models$333
Earnings-Based$189
Dividend Discount$61.93
Multiples$308
Asset-Based$30.98
Growth DCF$249
Economic Profit$184
Growth Earnings$332

26 of 26 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Oracle Financial Services Software
Bear ₹4,557Fair Value ₹6,897Bull ₹9,615
₹11,828 = current price (white tick)
Microsoft
Bear $192Fair Value $381Bull $480
$497 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Oracle Financial Services Software · Information Technology

Quality score90 · Top 25%
Fair value upside-42% · below median

Microsoft · Information Technology

Quality score68 · Top 25%
Fair value upside-23% · above median

Bottom line

As of Aug 14, 2026, Fair Value Calculator sees Microsoft as the less overvalued of the two: Oracle Financial Services Software trades at ₹11,828 versus a fair value of ₹6,897 (-42%), while Microsoft trades at $497 versus $381 (-23%).

Oracle Financial Services Software has the higher quality score (90/100).

See the full analysis →
Oracle Financial Services Software · Microsoft

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.