Oracle Credit Limited (ORACLECR) Fair Value & Analysis
Financial Services · IN · Market cap ₹631M
Fair value as of: Jul 5, 2026
From 15 valuation models · updated 3 days ago
Share price +37.7% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹22.20 – ₹37.99 · fair‑value band ₹26.91 – ₹88.48 · the ₹37.99 price screens below the ₹43.24 fair value. As of Jul 5, 2026.
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Oracle Credit Limited (ORACLECR) currently trades at ₹37.99, while our model-based Fair Value estimate is ₹43.24 — implying the stock looks roughly 13.8% undervalued today. We read business quality at 45/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.
Over the trailing twelve months, Oracle Credit Limited generated revenue of ₹3.0M at a net margin of 44.7%. Revenue grew 17.8% year over year. Fundamentals as of Jul 5, 2026
Our scenario range runs from ₹26.91 (bear case) to ₹88.48 (bull case); at ₹37.99, the current price sits within that range. The share trades about 4% below its 52-week high and 84% above its 52-week low. For context, the median of 10 Financial Services peers we cover trades at -16% fair-value upside — at 14%, ORACLECR screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.
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. Oracle Credit Limited was incorporated in 1991 and is based in New Delhi, India.
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.
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Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | 5,663 MXN | 229.36 MXN | -96% |
| Mastercard Incorporated MA | C$29.95 | C$17.76 | -41% |
| M4I M4I | €430.50 | €368.29 | -14% |
| American Express Company AXP | C$28.87 | C$24.27 | -16% |
| Capital One Financial Corporation COF | $183.20 | $122.33 | -33% |
| Bajaj Finance Limited BAJFINANCE | ₹962.40 | ₹325.96 | -66% |
| PayPal Holdings PYPL34 | R$10.53 | R$17.14 | +63% |
| Synchrony Financial, S1YF34 | R$357.68 | R$715.36 | +100% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Power Finance Corporation PFC | ₹431.30 | ₹616.44 | +43% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.