Oracle Financial Services Software Limited (OFSS) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Oracle Financial Services Software Limited stock ₹6,491, price ₹10,150, that is 36.0% below the price, quality 91 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 2, 2026.
How to read this chart
60‑month range ₹2,444 – ₹12,540 · fair‑value band ₹4,331 – ₹9,419 · the ₹10,150 price screens above the ₹6,491 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 2, 2026.
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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.
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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.
Stock analysis
Oracle Financial Services Software Limited (OFSS) currently trades at ₹10,150, while our model-based Fair Value estimate is ₹6,491, 36% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of ₹7,472 per share, and 0 of the 26 models we run sit above the ₹10,150 price.
Bear case: the Economic Profit group reads lowest at ₹1,851, and 26 of the 26 models stay below the price. Data coverage for this calculation is high.
Scenario range: ₹4,331 (bear) to ₹9,419 (bull), the price of ₹10,150 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 91/100 (high quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
Key figures
Market cap ₹887B (≈ $9.4B) Mid · P/E ratio 24.9 · P/S ratio 9.78 · EPS (TTM) ₹408.34 · Dividend yield 3.9% · Net margin 39.4% · Return on equity 47.4% · Return on assets (EBIT) 30.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 94 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 66% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −16% fair-value upside, at −36%, OFSS screens richer than that median.
Fair Value models
Bear₹4,331Fair Value ₹6,491Bull₹9,419
Price ₹10,150 · Downside -36.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹8.04 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.88/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.0%
Start year 2021 (pandemic). Over 10 years: +6.4% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.5%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+12.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.2%
Dividend (yield on the price)3.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8.2% vs 8.0%, steady
Profit margin 2005 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → 45%
Pace: the 5-year rate starts in 2021 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+19.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +15.0% a year for the price.
Compare Oracle Financial Services Software Limited with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Software - Infrastructure · 342 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score91 · Top 25%
Fair Value upside−36.0% · Below median
Profitability
Return on equity (12 months)47.4% · Top 25%
Return on assets26.6% · Top 25%
Net margin (12 months)39.4% · Top 25%
Operating margin (12 months)49.7% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)6.6% · Below median
Dividend yield (12 months)3.9% · Top 25%
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
P/E (12 months)24.9× · Cheaper than median
P/B11.33× · Priciest 25%
P/S (12 months)9.78× · Priciest 25%
Price / free cash flow31.3× · Pricier than median
EV/EBITDA17.1× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 23
FUTURE (revenue growth)33· sector 60
PAST (return on equity)100· sector 23
HEALTH (low debt)0· sector 98
DIVIDEND (yield)78· sector 29
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Oracle Financial Services Software Limited (OFSS) overvalued or undervalued?
As of Nov 2, 2026, our model estimates a fair value of ₹6,491 versus a price of ₹10,150, about 36% lower (overvalued).
What is the fair value of OFSS?
Our model-based fair value for Oracle Financial Services Software Limited is ₹6,491 (as of Nov 2, 2026), built from audited fundamentals. The current price: ₹10,150.
What is the quality score of OFSS?
Oracle Financial Services Software Limited has a Quality Score of 91/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Oracle Financial Services Software Limited (OFSS)?
Our model-based price target is the fair value of ₹6,491 (as of Nov 2, 2026) from 26 valuation models. Cautious scenario ₹4,331, optimistic scenario ₹9,419. It is a calculation from audited fundamentals, not an analyst target.
What is the Oracle Financial Services Software Limited stock forecast for 2026?
Our models put fair value at ₹6,491, about 36% lower versus a price of ₹10,150 (overvalued). Cautious scenario ₹4,331, optimistic scenario ₹9,419. The calculation is refreshed regularly with new filings.
What is the revenue of Oracle Financial Services Software Limited (OFSS)?
Oracle Financial Services Software Limited reported trailing-twelve-month revenue of about ₹90.6B (latest available figure, as of Nov 2, 2026).
Does Oracle Financial Services Software Limited pay a dividend?
Oracle Financial Services Software Limited currently shows a dividend yield of 3.89% relative to its recent price (as of Nov 2, 2026).
What growth is priced into Oracle Financial Services Software Limited (OFSS)?
For today's price to be fair in a discounted-cash-flow model, Oracle Financial Services Software Limited would have to grow free cash flow by +19.7 % per year for five years (discount rate 10.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.0 % per year. As of Nov 2, 2026.
What discount rate (WACC) does the fair value of OFSS use?
Our models discount Oracle Financial Services Software Limited at 10.9 %: a base by market capitalisation (mid), damped by beta 0.51, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Oracle Financial Services Software Limited that is +19.7 % per year a year over ten years, using the same discount rate (10.9 %) and the same formula as our fair value.
How much growth has Oracle Financial Services Software Limited (OFSS) delivered so far?
Over the past 5 years revenue at Oracle Financial Services Software Limited grew +9.0 % a year. The price currently implies +19.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Oracle Financial Services Software Limited (OFSS) growing?
The median revenue growth in the sector is +11.3 % a year. That is the yardstick for the growth priced into Oracle Financial Services Software Limited (+19.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Oracle Financial Services Software Limited (OFSS)?
The free-cash-flow yield on the price is 3.20 %: that much free cash flow Oracle Financial Services Software Limited produces per unit of market value. When it exceeds the discount rate of our models (10.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Oracle Financial Services Software Limited (OFSS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Oracle Financial Services Software Limited it is ₹6,491 per share (as of Nov 2, 2026), against a price of ₹10,150. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Oracle Financial Services Software Limited stock overvalued or undervalued in 2026?
As of Nov 2, 2026, OFSS trades above its calculated fair value: price ₹10,150, fair value ₹6,491, a gap of about −36% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OFSS?
No. The price is what the market pays today (₹10,150); the fair value is what the company's own numbers justify (₹6,491). For Oracle Financial Services Software Limited the two are ₹3,659 per share apart. That gap is exactly why we show both numbers side by side.
How much is Oracle Financial Services Software Limited worth?
The market values Oracle Financial Services Software Limited at about ₹887B (market capitalisation, as of Nov 2, 2026). Per share that is ₹10,150; our models calculate a fair value of ₹6,491 per share.
What do the bullish and bearish scenarios say about OFSS?
Our models span a range for Oracle Financial Services Software Limited: cautious scenario ₹4,331, base ₹6,491, optimistic ₹9,419 per share (as of Nov 2, 2026, price ₹10,150). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OFSS?
Oracle Financial Services Software Limited trades at a price-to-earnings ratio of 24.9 (as of Nov 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹6,491 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings, FY2026 ex one-offs: 21.6. Other multiples: P/B 11.3, P/S 9.8, EV/EBITDA 17.1.
How solid is the balance sheet of Oracle Financial Services Software Limited (OFSS)?
Balance-sheet figures for Oracle Financial Services Software Limited (as of Nov 2, 2026): return on equity 47.4%. They feed the Quality Score of 91/100, which measures business quality independently of the share price.
How far is OFSS from its 52-week high?
Oracle Financial Services Software Limited trades at ₹10,150, about 19% below its 52-week high of ₹12,540 and 66% above the low of ₹6,126 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of ₹6,491 is for.
Which stocks are comparable to Oracle Financial Services Software Limited?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Oracle Financial Services Software Limited stock attractive at the current price?
The data as of Nov 2, 2026: price ₹10,150, calculated fair value ₹6,491 (−36%), Quality Score 91/100, from 26 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OFSS calculated?
We run Oracle Financial Services Software Limited through 26 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹6,491, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.6% above its aggregate fair value. Oracle Financial Services Software Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Oracle Financial Services Software Limited (OFSS)?
The closing price on Nov 5, 2026 was ₹10,150. Our model-based fair value is ₹6,491, about 36% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Oracle Financial Services Software Limited right now?
A high-quality business (quality 91/100), 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 (₹9,419). The favourable scenario is already priced in. A fairly wide model range (₹4,331 to ₹9,419) leaves room in how you read the outcome.
Where does the earnings growth of Oracle Financial Services Software Limited (OFSS) come from?
Earnings per share at Oracle Financial Services Software Limited grew +8.3 % a year from 2015 to 2026. Broken into its drivers: revenue per share +5.6 %, EBIT margin +2.6 %, tax rate +1.3 %, residual (interest, one-offs) −1.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Oracle Financial Services Software Limited
How large is the market capitalisation of Oracle Financial Services Software Limited (OFSS)?
The market capitalisation of Oracle Financial Services Software Limited is ₹887B (≈ $9.4B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Oracle Financial Services Software Limited (OFSS)?
The price-to-sales ratio of Oracle Financial Services Software Limited is 9.78 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Oracle Financial Services Software Limited (OFSS)?
Earnings per share at Oracle Financial Services Software Limited are ₹408.34 (price ÷ EPS = P/E 24.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Oracle Financial Services Software Limited (OFSS)?
The dividend yield of Oracle Financial Services Software Limited is 3.9% (payout 96.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Oracle Financial Services Software Limited (OFSS)?
The net margin of Oracle Financial Services Software Limited is 39.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Oracle Financial Services Software Limited (OFSS)?
The return on equity (ROE) of Oracle Financial Services Software Limited is 47.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Oracle Financial Services Software Limited (OFSS)?
On an EBIT basis the return on assets of Oracle Financial Services Software Limited is 30.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Oracle Financial Services Software Limited (OFSS)?
The operating margin of Oracle Financial Services Software Limited is 49.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Oracle Financial Services Software Limited (OFSS)?
Revenue at Oracle Financial Services Software Limited is growing +6.6% versus a year earlier (3y avg +10.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Oracle Financial Services Software Limited (OFSS)?
Earnings per share at Oracle Financial Services Software Limited are growing +28.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Oracle Financial Services Software Limited (OFSS) hold?
Oracle Financial Services Software Limited holds more cash than debt, ₹54.8B net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 2, 2026