Oracle Financial Services Software Limited (OFSS) fair value: what the stock is really worth
We calculate from audited financials what Oracle Financial Services Software Limited is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
Compare price with fair valuebelow fair value = cheap, above = expensive
Check the quality50 and up solid, 75 and up strong
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Technology · IN · Market cap ₹1.0T (≈ $10.7B) · ISIN INE881D01027
A strong business, but trading 71% above our fair value of ₹6,897.
As of Aug 28, 2026, the fair value of Oracle Financial Services Software Limited is ₹6,897 per share against a price of ₹11,780, so the fair value sits 41% below the price. A model estimate from reported figures, not an analyst target.
✓Healthy Growth (revenue 5y +9.0 %/yr)
✓Highly profitable · 34.4% net margin
✓generates free cash flow
·3.35% dividend yield
✓Ranks above peers (8/13)
✓Wide moat 94/100
Evidence: HighRange ₹4,557 to ₹9,615
Fair value as of: Aug 28, 2026
From 26 valuation models · updated 12 days ago
Share price −0.2% over the past month.
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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 28, 2026.
How to read this chart
60‑month range ₹2,444 – ₹12,540 · fair‑value band ₹4,557 – ₹9,615 · the ₹11,780 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 28, 2026.
Oracle Financial Services Software Limited (OFSS) currently trades at ₹11,780, while our model-based Fair Value estimate is ₹6,897, implying the stock looks roughly 70.8% overvalued today. The Quality Score stands at 90/100 (high quality), in the Technology sector. Bull case: the Growth Earnings group reads highest at a median of ₹7,474 per share, and 0 of the 26 models we run sit above the ₹11,780 price. Bear case: the Economic Profit group reads lowest at ₹2,149, and 26 of the 26 models stay below the price. Evidence for this calculation is 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 28, 2026
Scenario range: ₹4,557 (bear) to ₹9,615 (bull), the price of ₹11,780 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades near its 52-week high and 94% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at −32% fair-value upside, at −41%, OFSS screens richer than that median.
Fair Value models
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘ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.Evidence
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Key figures & financial health
P/E ratio39.0
P/S ratio13.4P/E × margin
EPS (TTM)₹302.07price ÷ EPS = P/E 39.0
Dividend yield3.4%payout 131%
Net margin34.4%FY2026
Return on equity32.6%TTM
More key figures
Profitability
Return on assets (EBIT)30.7%avg 5y
Operating margin50.4%TTM
Growth
Revenue (TTM)₹76.7BTTM
Revenue growth (YoY)+20.3%3y avg +10.4%
EPS growth (YoY)+30.6%
Balance sheet & cash flow
Free cash flow₹28.3BFY2026
Net cash₹54.8BFY2026
Figures from reported company fundamentals · as of Aug 28, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality90/100
Of which business quality 86
· Market factors (momentum, volatility) 88
Profitability85
Margins and returns on capital today
Quality Growth69
Are margins and returns improving?
Cashflow85
Earnings quality: real cash, not paper profit
Fin. Strength100
Balance sheet, leverage, solvency risk
Investment93
Disciplined investing over empire-building
Low Volatility80
Calm price path (market factor)
Momentum90
Price trend over the last 3–12 months (market factor)
52W Momentum94
Distance to the 52-week high (market factor)
Net Issuance80
Buybacks instead of dilution
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
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.
Growth Quality 88/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2026)
₹76.7B
Latest YoY
+12.1%
Avg. revenue growth/yr (3Y) ⓘ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.
+10.4%
Avg. revenue growth/yr (5Y) ⓘ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.
+9.0%
Avg. revenue growth/yr (21Y) ⓘ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.
+9.5%
Value creation/yr (5Y, in INR) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year. 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.
+11.6%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+8.2%
Dividend yield3.4%
Trend ⓘ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.5Y 8.2% vs 10Y 8.0%, steady
Operating margin (EBIT) ⓘ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.23.6% (2005) → 44.5% (2026) · rising
Worst earnings drop24% (2016) · in INR
Revenue+10.1%/yr
FY22₹52.2B
FY23₹57.0B
FY24₹63.7B
FY25₹68.5B
FY26₹76.7B
Net income+8.7%/yr
FY22₹18.9B
FY23₹18.1B
FY24₹22.2B
FY25₹23.8B
FY26₹26.4B
Character of growth · EPS growth decomposed (2015-2026)+8.3 % p.a.
Revenue per share+5.6 %
of which total revenue +5.9 % · buybacks/dilution −0.3 %
EBIT margin+2.6 %
Tax rate+1.3 %
Residual (interest, one-offs)−1.3 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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.
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
Quality Score90 · Top 25%
Fair Value upside−43% · Below median
Profitability
Return on equity (TTM)33% · Top 25%
Return on assets21% · Top 25%
Net margin (TTM)34% · Top 25%
Operating margin (TTM)50% · Top 25%
Growth and dividend
Revenue growth20% · Above median
Dividend yield (TTM)3.4% · Above median
Valuation Multiples vs Software - Infrastructure median · lower = cheaper
P/E (TTM)39.0× · Pricier than median
P/B13.03× · Priciest 25%
P/S (TTM)13.30× · Priciest 25%
P/FCF0.4× · Cheapest 25%
EV/EBITDA27.9× · Pricier than median
What the price implies (reverse DCF)
The inverse question: what free-cash-flow growth must Oracle Financial Services Software Limited deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.
Implied FCF growth, 10 years+16.4 % per year
Achieved revenue growth, 5 years+9.0 % p.a.
Sector median revenue growth+8.2 %
FCF yield on price2.75 %
Discount rate (WACC) in the models10.4 %
The price demands an acceleration versus past growth: a high bar the company still has to clear. Ranking of the largest stocks →
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.
This stockSector peers
VALUE0· sector 0
FUTURE100· sector 48
PAST100· sector 15
HEALTH0· sector 98
DIVIDEND67· sector 26
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.
None of the checked exposures detected
Similar stocks
10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Aug 28, 2026).
Is Oracle Financial Services Software Limited (OFSS) overvalued or undervalued?
As of Aug 28, 2026, our model estimates a fair value of ₹6,897 versus a price of ₹11,780, about −41% upside (overvalued).
What is the fair value of OFSS?
Our model-based fair value for Oracle Financial Services Software Limited is ₹6,897 (as of Aug 28, 2026), built from audited fundamentals. The current price: ₹11,780.
What is the quality score of OFSS?
Oracle Financial Services Software Limited has a Quality Score of 90/100. 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 ₹6,897 (as of Aug 28, 2026) from 26 valuation models. Cautious scenario ₹4,557, optimistic scenario ₹9,615. 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 ₹6,897, about −41% upside versus a price of ₹11,780 (overvalued). Cautious scenario ₹4,557, optimistic scenario ₹9,615. 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 ₹76.7B (latest available figure, as of Aug 28, 2026).
What is the net profit margin of OFSS?
The net profit margin of Oracle Financial Services Software Limited is about 34.4%, meaning it keeps roughly 34.4% of revenue as net income. Based on the latest reported figures.
Does Oracle Financial Services Software Limited pay a dividend?
Oracle Financial Services Software Limited currently shows a dividend yield of about 3.35% relative to its recent price (as of Aug 28, 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 +16.4 % per year for ten years (discount rate 10.4 %, then 2 % perpetual growth). Over the last 5 years revenue grew +9.0 % per year. As of Aug 28, 2026.
What discount rate (WACC) does the fair value of OFSS use?
Our models discount Oracle Financial Services Software Limited at 10.4 %: a base by market capitalisation (large), damped by beta 0.43, country premium for India. The same rate applies in all 26 models.
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 ₹6,897 per share (as of Aug 28, 2026), against a price of ₹11,780. 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 Aug 28, 2026, OFSS trades above its calculated fair value: price ₹11,780, fair value ₹6,897, a gap of about −41% (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 (₹11,780); the fair value is what the company's own numbers justify (₹6,897). For Oracle Financial Services Software Limited the two are ₹4,883 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 ₹1.0T (market capitalisation, as of Aug 28, 2026). Per share that is ₹11,780; our models calculate a fair value of ₹6,897 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 ₹4,557, base ₹6,897, optimistic ₹9,615 per share (as of Aug 28, 2026, price ₹11,780). 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 39.0 (as of Aug 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹6,897 is built from several models across several years. Other multiples: P/B 13.0, P/S 13.3, EV/EBITDA 27.9.
How solid is the balance sheet of Oracle Financial Services Software Limited (OFSS)?
Balance-sheet figures for Oracle Financial Services Software Limited (as of Aug 28, 2026): return on equity 32.6%. They feed the Quality Score of 90/100, 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 ₹11,780, about 11% below its 52-week high of ₹10,585 and 94% above the low of ₹6,061 (as of Aug 28, 2026). Distance from the high says nothing about value: that is what the fair value of ₹6,897 is for.
Which stocks are comparable to Oracle Financial Services Software Limited?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palo Alto Networks, Inc, Fortinet, 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 Aug 28, 2026: price ₹11,780, calculated fair value ₹6,897 (−41%), Quality Score 90/100, 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 ₹6,897, with the spread shown as a cautious and an optimistic scenario.
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