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Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
NSE:OFSS'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.24 Med: 2.64 Max: 4.95
Current: 4.92
During the past 13 years, the highest Price to Graham Number ratio of Oracle Financial Services Software was 4.95. The lowest was 1.24. And the median was 2.64.
NSE:OFSS's Price-to-Graham-Number is ranked worse than 85.18% of 1478
companies
in the Software industry
Industry Median: 1.87
vs NSE:OFSS: 4.92
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Oracle Financial Services Software (NSE:OFSS) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Oracle Financial Services Software's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
11681.00
/
2,374.62
=
4.92
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Oracle Financial Services Software Graham Number Related Terms
Oracle Financial Services Software Graham Number Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Oracle Financial Services Software Graham Number Chart
NSE:OFSS vs MSFT, ORCL, PLTR: Graham Number Comparison
For the Software - Infrastructure subindustry, Oracle Financial Services Software's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Oracle Financial Services Software Price-to-Graham-Number vs Software Industry
For the Software industry and Technology sector, Oracle Financial Services Software's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Oracle Financial Services Software's Price-to-Graham-Number falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Oracle Financial Services Software (NSE:OFSS) has a Graham Number of ₹2,374.62 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Oracle Financial Services Software and its competitors. This is 89848% above median its historical median of 2.64. Over the past decade, Oracle Financial Services Software's Graham Number has ranged from 1.24 to 4.95. According to the industry distribution chart, Oracle Financial Services Software ranks #1259 out of 1478 companies in the Software industry, placing it in the top 85.2%.
Is Oracle Financial Services Software's Graham Number too high?
Oracle Financial Services Software's current Graham Number of ₹2,374.62 is 89848% above median its 10-year median of 2.64. Over the past 10 years, this metric has ranged from a low of 1.24 to a high of 4.95. Based on the distribution chart, Oracle Financial Services Software ranks #1259 out of 1478 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Oracle Financial Services Software has a GF Score™ of 93/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oracle Financial Services Software's Graham Number compare to MSFT and ORCL?
According to the Software industry distribution chart, Oracle Financial Services Software ranks #1259 out of 1478 companies for Graham Number. This places Oracle Financial Services Software in the lower half of its industry. The industry median Graham Number is 1.87. Historically, Oracle Financial Services Software's own Graham Number has ranged from 1.24 to 4.95 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Software company?
The median Graham Number among Software companies is 1.87, based on 1,478 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Oracle Financial Services Software and its competitors. For the Software industry, the median Graham Number is 1.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oracle Financial Services Software's current Graham Number is ₹2,374.62, which is 89848% above median its own 10-year median of 2.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oracle Financial Services Software stock overvalued right now?
Based on GuruFocus' analysis, Oracle Financial Services Software (NSE:OFSS) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹9,856.57, compared to a current price of ₹11,681.00 — trading 18.5% above its estimated fair value. The current Graham Number is ₹2,374.62, which is 89848% above median its 10-year median of 2.64. Oracle Financial Services Software's overall GF Score™ is 93/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Oracle Financial Services Software (NSE:OFSS), the current Graham Number is ₹2,374.62 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Oracle Financial Services Software (NSE:OFSS) Overvalued in 2026?
Based on GuruFocus' analysis, Oracle Financial Services Software stock appears to be overvalued.
The current stock price of ₹11,681.00 is trading 18.5% above its estimated GF Value™ of ₹9,856.57.
GuruFocus considers Oracle Financial Services Software to be Modestly Overvalued.
Key valuation signals for NSE:OFSS:
Graham Number: ₹2,374.62 (89848% above median its 10-year median of 2.64)
GF Value™: ₹9,856.57 vs. price of ₹11,681.00 (18.5% above fair value)
No single metric tells the full story. See the NSE:OFSS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oracle Financial Services Software Business Description
Oracle Financial Services Software Ltd is an India-based provider of software systems, computer systems, and consulting services. Its flagship Flexcube offerings include universal banking, investor servicing, private banking, lending and leasing, Islamic banking, Internet and mobile banking, remit, and collateral management capabilities. Its other offerings include analytical infrastructure applications, financial crime analysis, and compliance management applications. The firm also offers support and business process outsourcing services. The company has two reportable segments Product licenses and related activities ('Products') and IT solutions and consulting services ('Services'). Geographically the company generates the majority of its revenue from the Product segment.
93GF Score
Get the complete analysis for NSE:OFSS
Graham Number is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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