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STOCK COMPARISON

Microsoft vs Oracle Financial Services Software: Fair Value & Quality

Both stocks run through our valuation models. Here is how Microsoft (MSFT) and Oracle Financial Services Software (OFSS) compare, as of Sep 20, 2026.

As of Sep 20, 2026, Fair Value Calculator sees Microsoft as the more attractively valued of the two: Microsoft trades at $494 versus a fair value of $547 (+11%), while Oracle Financial Services Software trades at ₹11,896 versus ₹6,897 (-42%).
Microsoft
MSFT · USD · Information Technology
+11%
upside to fair value
undervalued
Price$494
Fair Value$547
Quality66/100
Oracle Financial Services Software
OFSS.NSE · INR · Information Technology
-42%
upside to fair value
overvalued
Price₹11,896
Fair Value₹6,897
Quality90/100
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Head-to-head numbers

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

MicrosoftOracle Financial Services Software
Valuation
22.9×P/E (TTM)38.8×
8.99×P/S (TTM)13.30×
8.33×P/B13.03×
15.6×EV/EBITDA27.9×
1.19×PEG—
+10.7%Fair value upside−42.0%
0.7%Dividend yield3.3%
$3.56Dividend per share₹395
Profitability
46%Operating margin50%
1.23×EBIT margin trend (5Y)1.89×
34%Return on equity33%
15%Return on assets21%
Growth
18%Revenue growth (YoY)20%
12.4%Avg. growth/yr (3Y)10.4%
14.5%Avg. growth/yr (5Y)9.0%
+19.5%Value creation/yr+11.5%
Balance & size
53.9×Interest coverage (EBIT/interest)1,364.8×
0.12×Debt / equity—
$2.9TMarket cap$11B
expensiveGrowth qualityhealthy

Microsoft leads: 8 to 6 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.

Microsoftof which business quality 65 · market factors 58 Oracle Financial Services Softwareof which business quality 86 · market factors 84
ProfitabilityMargins and returns on capital today
75
85
Quality GrowthAre margins and returns improving?
53
69
CashflowEarnings quality: real cash, not paper profit
71
85
Fin. StrengthBalance sheet, leverage, solvency risk
79
100
InvestmentDisciplined investing over empire-building
1
93
Low VolatilityCalm price path (market factor)
57
81
MomentumPrice trend over the last 3–12 months (market factor)
63
84
52W MomentumDistance to the 52-week high (market factor)
51
87
Net IssuanceShare count: buybacks or dilution?
84
80

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyMicrosoftPrice $494Oracle Financial Services SoftwarePrice ₹11,896
DCF Models-33%below the price$333-38%below the price₹7,350
Earnings-Based-62%below the price$189-75%below the price₹3,026
Dividend Discount-87%below the price$61.93-38%below the price₹7,435
Multiples-38%below the price$308-45%below the price₹6,487
Asset-Based-94%below the price$30.98-95%below the price₹602
Growth DCF-50%below the price$249-46%below the price₹6,376
Economic Profit-63%below the price$184-74%below the price₹3,089
Growth Earnings-33%below the price$332-37%below the price₹7,474
Minimum-94%below the price$30.98-95%below the price₹602
Maximum-33%below the price$333-37%below the price₹7,474
Median-56%below the price$219-46%below the price₹6,432
Geometric mean-66%below the price$166-65%below the price₹4,191

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

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

Oracle Financial Services Software: 26 of 26 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Microsoft
Price $494
Fair Value $547
Bear $317Bull $791
Oracle Financial Services Software
Price ₹11,896
Fair Value ₹6,897
Bear ₹4,557Bull ₹9,615

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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.

Microsoft · Information Technology

Quality score66 · Top 25%
Fair value upside+11% · above median

Oracle Financial Services Software · Information Technology

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

Bottom line

As of Sep 20, 2026, Fair Value Calculator sees Microsoft as the more attractively valued of the two: Microsoft trades at $494 versus a fair value of $547 (+11%), while Oracle Financial Services Software trades at ₹11,896 versus ₹6,897 (-42%).

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

See the full analysis →
Microsoft · Oracle Financial Services Software

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.