Oracle Credit Limited (ORACLECR) Fair Value & Analysis
Financial Services · IN · Market cap ₹631M (≈ $6.7M) · ISIN INE727C01016
What is Oracle Credit Limited really worth?
Below-average quality, and trading another 26% above our fair value of ₹23.21.
Strengths
Risks
Fair value as of: Aug 23, 2026
From 7 valuation models · updated 13 days ago
Fair value updated Aug 23, 2026, revised from ₹24.17 to ₹23.21 (−4.0%) since Aug 13, 2026.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Weak quality (25/100) and above fair value at the same time, the margin of safety is missing on both counts.
- The model range is unusually wide (₹16.43 to ₹50.30). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 23, 2026.
How to read this chart
60‑month range ₹1.55 – ₹62.83 · fair‑value band ₹16.43 – ₹50.30 · the ₹29.17 price screens above the ₹23.21 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 23, 2026.
Analysis
Oracle Credit Limited (ORACLECR) currently trades at ₹29.17, while our model-based Fair Value estimate is ₹23.21, implying the stock looks roughly 25.7% overvalued today. The Quality Score stands at 25/100 (below-average quality), in the Financial Services sector. Bull case: the Earnings-Based group reads highest at a median of ₹107.22 per share, and 4 of the 7 models we run sit above the ₹29.17 price. Bear case: the Asset-Based group reads lowest at ₹7.45, and 3 of the 7 models stay below the price. Evidence for this calculation is low.
Revenue grew 17.8% year over year. Fundamentals as of Aug 23, 2026
Our scenario range runs from ₹16.43 (bear case) to ₹50.30 (bull case); at ₹29.17, the current price sits within 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 about 26% below its 52-week high and 41% above its 52-week low. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at −20%, ORACLECR screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.
All 7 models by family
Widest divergence: Earnings-Based (₹107.22) versus Asset-Based (₹7.45). Highest evidence: Owner Earnings (67).
Notify me when ORACLECR reaches fair value
Put ORACLECR on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Free, no payment details. Unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 23, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 26 · Market factors (momentum, volatility) 56
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 Credit Limited operates as a non-banking financial company in India. 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.
Full company description
Oracle Credit Limited operates as a non-banking financial company in India. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2019 – FY2023 · reported fiscal years
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.
ORACLECR screens 26% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 326 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 Credit Services median · lower = cheaper
Strength profile in five axes (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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 23, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $334.16 | $206.40 | −38% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| SoFi Technologies, Inc SOFI | $18.06 | $5.02 | −72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
Compare Oracle Credit Limited with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Oracle Credit Limited (ORACLECR) overvalued or undervalued?
What is the fair value of ORACLECR?
What is the quality score of ORACLECR?
What is the net profit margin of ORACLECR?
Watch Oracle Credit Limited in the live analysis
One click puts Oracle Credit Limited on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.