Oracle Financial Services Software Limited (OFSS) Fair Value & Analysis
Technology · IN · Market cap ₹1.0T
Fair value as of: Aug 13, 2026
From 26 valuation models · updated yesterday
Fair value updated Aug 13, 2026, revised from ₹5,821 to ₹6,897 (+18.5%) since Jul 13, 2026. Share price +1.7% over the past month.
A strong business, but screening 42% overvalued on our models.
What matters now
- A high-quality business (quality 90/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety.
- The price sits above even our optimistic bull case (₹9,615). The favourable scenario is already priced in.
- A fairly wide model range (₹4,557 to ₹9,615) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹2,444 – ₹12,008 · fair‑value band ₹4,557 – ₹9,615 · the ₹11,828 price screens above the ₹6,897 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Oracle Financial Services Software Limited (OFSS) currently trades at ₹11,828, while our model-based Fair Value estimate is ₹6,897, implying the stock looks roughly 41.7% overvalued today. The Quality Score stands at 90/100 (high quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Oracle Financial Services Software Limited generated revenue of ₹76.7B at a net margin of 34.4%. Revenue grew 20.3% year over year. It earns a return on equity of 32.6%. The balance sheet holds a net cash position of ₹54.8B. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹4,557 (bear case) to ₹9,615 (bull case); at ₹11,828, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 95% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -62% fair-value upside, at -42%, OFSS screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: Growth Earnings (₹7,474) versus Asset-Based (₹602.23). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 86 · Market factors (momentum, volatility) 86
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Oracle Financial Services Software Limited, together with its subsidiaries, provides information technology (IT) solutions to the financial services industry worldwide. It operates in two segments, Product Licenses and Related Activities; and IT Solutions and Consulting Services.
Full company description
Oracle Financial Services Software Limited, together with its subsidiaries, provides information technology (IT) solutions to the financial services industry worldwide. It operates in two segments, Product Licenses and Related Activities; and IT Solutions and Consulting Services. The company offers Oracle FLEXCUBE; Oracle FLEXCUBE Investor Servicing; Oracle Banking Digital Experience; Oracle Financial Services Lending and Leasing; and Oracle Banking APIs. It also provides Oracle FLEXCUBE Universal Banking; Oracle Banking Platform; Oracle Banking Enterprise Limits and Collateral Management; Oracle FLEXCUBE for Islamic banking and microfinance; Oracle Banking Branch; Oracle Banking Origination; Oracle Banking Cash Management; Oracle Banking Liquidity Management; Oracle Banking Corporate Lending; Oracle Banking Supply Chain Finance; Oracle Banking Trade Finance; Oracle Banking Treasury Management; Oracle Banking Virtual Accounts Management; Oracle Banking Payments; and Oracle Banking Credit Facilities Process Management, as well as Asset Finance, Oracle Banking Collections and Recovery, and Oracle Documaker solutions. In addition, the company offers Oracle Financial Services Data Management Solutions, as well as cloud infrastructure, human capital management, and data management for financial services; and bancassurance solutions. Further, it provides a suite of industry applications catering to the areas of risk, finance, treasury, front office, regulatory reporting, and compliance; and Oracle Finergy that enables financial services enterprises to drive simplicity using technology, as well as consulting and business process services business. The company was incorporated in 1989 and is headquartered in Mumbai, India. Oracle Financial Services Software Limited operates as a subsidiary of Oracle Global (Mauritius) Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Oracle Financial Services Software Limited reported revenue of ₹76.7B in FY2026 versus ₹52.2B in FY2022, a compound +10.1%/yr. Reported net income was ₹26.4B in FY2026, compounding +8.7%/yr from FY2022.
of which total revenue +5.9 pp · buybacks/dilution −0.3 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
OFSS screens 42% overvalued. Compare with Microsoft Corporation →
Peer Group
Software - Infrastructure · 369 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Software - Infrastructure median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Microsoft Corporation MSFT | $506.06 | $365.74 | -28% |
| Oracle Corporation ORAC | C$7.22 | C$2.34 | -68% |
| Fortinet, Inc FTNT | $160.84 | $61.46 | -62% |
| Synopsys, Inc 1SNPS | €358.00 | €93.61 | -74% |
| Block, Inc XYZ | A$111.01 | A$70.69 | -36% |
| Range Intelligent Computing Technology Group 300442 | ¥67.70 | ¥30.89 | -54% |
| 360 Security Technology Inc 601360 | ¥9.58 | ¥1.05 | -89% |
| One97 Communications Limited PAYTM | ₹1,610 | ₹241.68 | -85% |
| PT GoTo Gojek Tokopedia Tbk GOTO | 50.00 IDR | 20.41 IDR | -59% |
| Kakao Pay Corp 377300 | 43,950 KRW | 14,643 KRW | -67% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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