Oracle Financial Services Software Limited
Quality (100/100) does the heavy lifting; valuation (20/100) is the drag.
Fair valueOvervaluedOur blended model reads Oracle Financial Services Software Limited as a Hold at 45/100. At ₹11,763 it trades above our blended DCF and relative-multiples fair value of ₹7,597.45, about 35% downside to that estimate — we read it as overvalued by 35%. On 27.2x trailing earnings it sits pricier than the Technology median of about 20.0x. The price is about 6% below its 52-week high of ₹12,540 and 92% above the low of ₹6,126.48. Financial health scores 100/100, in the safe band on the Altman Z-score, with a Piotroski F-score of 3/9. The average analyst target of ₹12,620 implies about 7% upside across 2 analysts. It clears 9 of 12 investability checks, with durability 100, valuation 39 and momentum 80 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹6,077.96.
Analyst views
1-year price
EOD · 2026-09-1252-week range
-6.20% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- No data: ROE above 15%
- Pass: Low debt (D/E < 0.5): 0.00x
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 69%
- Pass: Earnings growing: 120%
- Pass: Net margin ≥ 10%: 38.2%
- No data: Current ratio > 1.5
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- Pass: Positive 1-year return
- Pass: Altman Z in safe zone: Z 28.48
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter72.5%
- Institutions13.1%
- Public & other14.4%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Lightly leveraged balance sheet.
- Healthy profit margin (38.2%).
- Financially solid — Altman Z 28.48.
Opportunities
- Earnings growing (120% YoY).
- Revenue growing (69% YoY).
Bear case
Weaknesses
- Weak Piotroski score (3/9).
Threats
- Trades ~35% above our estimated fair value.
About Oracle Financial Services Software Limited
Oracle Financial Services Software provides IT solutions globally to financial services institutions through two business segments: product licenses and IT solutions with consulting services. Its offerings include Oracle FLEXCUBE for core banking, Oracle FLEXCUBE Investor Servicing, Oracle Banking Digital Experience, Oracle Financial Services Lending and Leasing, and Oracle Banking APIs.
Oracle Financial Services Software Limited — frequently asked questions
Is Oracle Financial Services Software Limited a buy, hold or sell?
StocksWizard currently rates Oracle Financial Services Software Limited (OFSS) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Oracle Financial Services Software Limited's fair value?
Our blended DCF and relative-valuation model estimates Oracle Financial Services Software Limited's fair value at about ₹7,597.45, versus a current price of ₹11,763 — roughly 35% downside. On that basis the stock looks overvalued by 35%.
Is Oracle Financial Services Software Limited financially healthy?
Oracle Financial Services Software Limited scores 100/100 on our financial-health model, placing it in the safe band on the Altman Z-score, with a Piotroski F-score of 3/9.
How has Oracle Financial Services Software Limited's share price performed?
Oracle Financial Services Software Limited is up 34% over the past year and up 24% over three months, and last traded at ₹11,763. Past performance doesn't predict future returns.
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View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.