Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.
Good Sign:
Altman Z-score of 32.19 is strong.
Oracle Financial Services Software has a Altman Z-Score of 32.25, indicating it is in Safe Zones. This implies the Altman Z-Score is strong.
The zones of discrimination were as such:
When Altman Z-Score <= 1.8, it is in Distress Zones.
When Altman Z-Score >= 3, it is in Safe Zones.
When Altman Z-Score is between 1.8 and 3, it is in Grey Zones.
X1: The Working Capital/Total Assets (WC/TA) ratio is a measure of the net liquid assets of the firm relative to the total capitalization. Working capital is defined as the difference between current assets and current liabilities. Ordinarily, a firm experiencing consistent operating losses will have shrinking current assets in relation to total assets. Altman found this one proved to be the most valuable liquidity ratio comparing with the current ratio and the quick ratio. This is however the least significant of the five factors.
X2: Retained Earnings/Total Assets: the RE/TA ratio measures the leverage of a firm. Retained earnings is the account which reports the total amount of reinvested earnings and/or losses of a firm over its entire life. Those firms with high RE, relative to TA, have financed their assets through retention of profits and have not utilized as much debt.
X3, Earnings Before Interest and Taxes/Total Assets (EBIT/TA): This ratio is a measure of the true productivity of the firm's assets, independent of any tax or leverage factors. Since a firm's ultimate existence is based on the earning power of its assets, this ratio appears to be particularly appropriate for studies dealing with corporate failure. This ratio continually outperforms other profitability measures, including cash flow.
X4, Market Value of Equity/Book Value of Total Liabilities (MVE/TL): The measure shows how much the firm's assets can decline in value (measured by market value of equity plus debt) before the liabilities exceed the assets and the firm becomes insolvent.
X5, Revenue/Total Assets (S/TA): The capital-turnover ratio is a standard financial ratio illustrating the sales generating ability of the firm's assets.
* 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.
NSE:OFSS vs MSFT, ORCL, PLTR: Altman Z-Score Comparison
For the Software - Infrastructure subindustry, Oracle Financial Services Software's Altman Z-Score, along with its competitors' market caps and Altman Z-Score 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 Altman Z-Score vs Software Industry
For the Software industry and Technology sector, Oracle Financial Services Software's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Oracle Financial Services Software's Altman Z-Score falls into.
Altman Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
* 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. GuruFocus does not calculate Altman Z-Score when X4 or X5 value is 0.
Oracle Financial Services Software (NSE:OFSS) has a Altman Z-Score of 32.25 as of Jul. 17, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Oracle Financial Services Software and its competitors. This is 100% above median its historical median of 16.12. Over the past decade, Oracle Financial Services Software's Altman Z-Score has ranged from 9.25 to 32.19. According to the industry distribution chart, Oracle Financial Services Software ranks #72 out of 2765 companies in the Software industry, placing it in the top 2.6%.
Is Oracle Financial Services Software's Altman Z-Score too high?
Oracle Financial Services Software's current Altman Z-Score of 32.25 is 100% above median its 10-year median of 16.12. Over the past 10 years, this metric has ranged from a low of 9.25 to a high of 32.19. The Software industry median Altman Z-Score is 3.17. Oracle Financial Services Software's value of 32.25 is 917.4% above this industry median. Based on the distribution chart, Oracle Financial Services Software ranks #72 out of 2765 companies in the Software industry, which is in the top quartile — a strong position 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 Altman Z-Score compare to MSFT and ORCL?
According to the Software industry distribution chart, Oracle Financial Services Software ranks #72 out of 2765 companies for Altman Z-Score. This places Oracle Financial Services Software in the top 3% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 3.17. Oracle Financial Services Software's value of 32.25 is 917.4% above this benchmark. Historically, Oracle Financial Services Software's own Altman Z-Score has ranged from 9.25 to 32.19 over the past decade. While the company's 10-year median is 16.12 vs. the industry median of 3.17, Oracle Financial Services Software has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Altman Z-Score for a Software company?
The median Altman Z-Score among Software companies is 3.17, based on 2,765 companies in the industry. Companies in the top quartile (top 25%) have a Altman Z-Score significantly above this median, while those in the bottom quartile fall well below. However, Altman Z-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oracle Financial Services Software's current Altman Z-Score of 32.25 is 917.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Altman Z-Score mean?
A high Altman Z-Score can signal that a stock is expensive relative to its fundamentals. The Altman Z-score measures a company's bankruptcy risk. View historical data on Oracle Financial Services Software and its competitors. For the Software industry, the median Altman Z-Score is 3.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oracle Financial Services Software's current Altman Z-Score is 32.25, which is 100% above median its own 10-year median of 16.12. 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 Altman Z-Score is 32.25, which is 100% above median its 10-year median of 16.12 and 917.4% above the Software industry median of 3.17. 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 Altman Z-Score calculated?
Altman Z-Score is calculated from a company's financial statements. For Oracle Financial Services Software (NSE:OFSS), the current Altman Z-Score is 32.25 as of Jul. 17, 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:
Altman Z-Score: 32.25 (100% above median its 10-year median of 16.12)
GF Value™: ₹9,856.57 vs. price of ₹11,681.00 (18.5% above fair value)
Industry Position: 917.4% above the Software median (#72 of 2765)
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
Altman Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:OFSS has been successfully added to your 
