Oracle Credit Limited (ORACLECR) fair value: what the stock is really worth
As of Oct 19, 2026: fair value (intrinsic value) of Oracle Credit Limited stock ₹32.98, price ₹32.51, upside +1.4%, quality 25 out of 100. Rating: fairly valued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range ₹1.55 – ₹62.83 · fair‑value band ₹20.82 – ₹60.00 · the ₹32.51 price screens below the ₹32.98 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
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Oracle Credit Limited operates as a non-banking financial company in India.
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The company offers a range of financial services, including lending of money; dealing in securities/shares, government securities, and bonds and units investment in stock markets; and loan syndication and project and portfolio consultancy, and consultancy services.
Oracle Credit Limited was incorporated in 1991 and is based in New Delhi, India.
Stock analysis
Oracle Credit Limited (ORACLECR) currently trades at ₹32.51, while our model-based Fair Value estimate is ₹32.98, so the stock looks roughly fairly valued today (gap 1.4%).
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹128.49 per share, and 4 of the 7 models we run sit above the ₹32.51 price.
Bear case: the Asset-Based group reads lowest at ₹5.76, and 3 of the 7 models stay below the price. Data coverage for this calculation is low.
Scenario range: ₹20.82 (bear) to ₹60.00 (bull), the price of ₹32.51 sits inside 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 25/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Oracle Credit Limited reported revenue of ₹11.5M in FY2023 versus ₹2.7M in FY2019, a compound +43.7%/yr. Reported net income was ₹67.4M in FY2023, compounding +183.1%/yr from FY2019.
Key figures
Market cap ₹631M (≈ $6.6M) Micro · P/E ratio 465.8 · EPS (TTM) ₹0.2440 · Net margin 44.7% · Return on assets (EBIT) 7.3% · Operating margin 59.4% · Revenue growth (YoY) +17.8% · EPS growth (YoY) +33.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 72 out of 100 (low confidence).
What moves the price
The share trades about 14% below its 52-week high and 23% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 1%, ORACLECR screens richer than that median.
Fair Value models
Bear₹20.82Fair Value ₹32.98Bull₹60.00
Price ₹32.51 · Upside +1.4%
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.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.49/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+78.4%
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.
+42.4%
Revenue growth 7 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.
+31.0%
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Profit margin (trend) ⓘ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.
21.3% (2018) → 893.6% (2023)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: rate outside our plausibility band
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.Credit Services · 321 stocks
Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score25 · Bottom 25%
Fair Value upside+1.4% · Below median
Profitability
Return on assets8.9% · Top 25%
Net margin (12 months)44.7% · Top 25%
Operating margin (12 months)59.4% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)17.8% · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Oracle Credit Limited (ORACLECR) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of ₹32.98 versus a price of ₹32.51, about +1% upside (fairly valued).
What is the fair value of ORACLECR?
Our model-based fair value for Oracle Credit Limited is ₹32.98 (as of Oct 3, 2026), built from audited fundamentals. The current price: ₹32.51.
What is the quality score of ORACLECR?
Oracle Credit Limited has a Quality Score of 25/100. 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 Credit Limited (ORACLECR)?
Our model-based price target is the fair value of ₹32.98 (as of Oct 3, 2026) from 7 valuation models. Cautious scenario ₹20.82, optimistic scenario ₹60.00. It is a calculation from audited fundamentals, not an analyst target.
What is the Oracle Credit Limited stock forecast for 2026?
Our models put fair value at ₹32.98, about +1% upside versus a price of ₹32.51 (fairly valued). Cautious scenario ₹20.82, optimistic scenario ₹60.00. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Oracle Credit Limited (ORACLECR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Oracle Credit Limited it is ₹32.98 per share (as of Oct 3, 2026), against a price of ₹32.51. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Oracle Credit Limited stock overvalued or undervalued in 2026?
As of Oct 3, 2026, ORACLECR trades below its calculated fair value: price ₹32.51, fair value ₹32.98, a gap of about +1% (fairly valued). 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 ORACLECR?
No. The price is what the market pays today (₹32.51); the fair value is what the company's own numbers justify (₹32.98). For Oracle Credit Limited the two are ₹0.4700 per share apart. That gap is exactly why we show both numbers side by side.
How much is Oracle Credit Limited worth?
The market values Oracle Credit Limited at about ₹631M (market capitalisation, as of Oct 3, 2026). Per share that is ₹32.51; our models calculate a fair value of ₹32.98 per share.
What do the bullish and bearish scenarios say about ORACLECR?
Our models span a range for Oracle Credit Limited: cautious scenario ₹20.82, base ₹32.98, optimistic ₹60.00 per share (as of Oct 3, 2026, price ₹32.51). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ORACLECR?
Oracle Credit Limited trades at a price-to-earnings ratio of 465.8 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹32.98 is built from several models across several years. Other multiples: P/B 2.6, EV/EBITDA 5.5.
How far is ORACLECR from its 52-week high?
Oracle Credit Limited trades at ₹32.51, about 14% below its 52-week high of ₹37.99 and 23% above the low of ₹26.43 (as of Oct 19, 2026). Distance from the high says nothing about value: that is what the fair value of ₹32.98 is for.
Which stocks are comparable to Oracle Credit Limited?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Credit Limited stock attractive at the current price?
The data as of Oct 3, 2026: price ₹32.51, calculated fair value ₹32.98 (+1%), Quality Score 25/100, from 7 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 ORACLECR calculated?
We run Oracle Credit Limited through 7 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 ₹32.98, 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 13.9 % above its aggregate fair value. Oracle Credit Limited currently trades 1 % below its own fair value, and the market average says nothing about that. 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 Credit Limited (ORACLECR)?
The closing price on Oct 19, 2026 was ₹32.51. Our model-based fair value is ₹32.98, about +1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Oracle Credit Limited right now?
The model range is unusually wide (₹20.82 to ₹60.00). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Oracle Credit Limited
How large is the market capitalisation of Oracle Credit Limited (ORACLECR)?
The market capitalisation of Oracle Credit Limited is ₹631M (≈ $6.6M). 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 are the earnings per share of Oracle Credit Limited (ORACLECR)?
Earnings per share at Oracle Credit Limited are ₹0.2440 (price ÷ EPS = P/E 465.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Oracle Credit Limited (ORACLECR)?
The net margin of Oracle Credit Limited is 44.7% (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 EBIT return on assets of Oracle Credit Limited (ORACLECR)?
On an EBIT basis the return on assets of Oracle Credit Limited is 7.3% (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 Credit Limited (ORACLECR)?
The operating margin of Oracle Credit Limited is 59.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Oracle Credit Limited (ORACLECR)?
Revenue at Oracle Credit Limited is growing +17.8% versus a year earlier (3y avg +57.7%). 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 Credit Limited (ORACLECR)?
Earnings per share at Oracle Credit Limited are growing +33.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Oracle Credit Limited (ORACLECR) generate?
The free cash flow of Oracle Credit Limited is −₹252M (fiscal year 2023). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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Oct 3, 2026