Flywire Corp (FLYW)vsOracle Corporation (ORCL)
FLYW
Flywire Corp
$14.40
-1.23%
TECHNOLOGY · Cap: $1.98B
ORCL
Oracle Corporation
$213.68
+0.02%
TECHNOLOGY · Cap: $703.42B
Smart Verdict
WallStSmart Research — data-driven comparison
Oracle Corporation generates 9355% more annual revenue ($64.08B vs $677.68M). ORCL leads profitability with a 25.3% profit margin vs 4.5%. ORCL trades at a lower P/E of 44.0x. ORCL earns a higher WallStSmart Score of 69/100 (B-).
FLYW
Hold41
out of 100
Grade: D
ORCL
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.0%
Fair Value
$35.93
Current Price
$14.40
$21.53 discount
Intrinsic value data unavailable for ORCL.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 41.0% year-over-year
Conservative balance sheet, low leverage
Reasonable price relative to book value
Mega-cap, among the largest globally
Every $100 of equity generates 42 in profit
Strong operational efficiency at 32.7%
Keeps 25 of every $100 in revenue as profit
Revenue surging 21.7% year-over-year
Earnings expanding 24.5% YoY
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
4.5% margin — thin
Expensive relative to growth rate
Trading at 18.3x book value
Weak financial health signals
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : FLYW
The strongest argument for FLYW centers on Revenue Growth, Debt/Equity, Price/Book. Revenue growth of 41.0% demonstrates continued momentum.
Bull Case : ORCL
The strongest argument for ORCL centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 25.3% and operating margin at 32.7%. Revenue growth of 21.7% demonstrates continued momentum.
Bear Case : FLYW
The primary concerns for FLYW are Altman Z-Score, Market Cap, Return on Equity. A P/E of 66.8x leaves little room for execution misses. Thin 4.5% margins leave little buffer for downturns.
Bear Case : ORCL
The primary concerns for ORCL are PEG Ratio, Price/Book, Piotroski F-Score. A P/E of 44.0x leaves little room for execution misses. Debt-to-equity of 4.21 is elevated, increasing financial risk.
Key Dynamics to Monitor
FLYW profiles as a hypergrowth stock while ORCL is a growth play — different risk/reward profiles.
ORCL carries more volatility with a beta of 1.54 — expect wider price swings.
FLYW is growing revenue faster at 41.0% — sustainability is the question.
FLYW generates stronger free cash flow (-16M), providing more financial flexibility.
Bottom Line
ORCL scores higher overall (69/100 vs 41/100), backed by strong 25.3% margins and 21.7% revenue growth. FLYW offers better value entry with a 69.0% margin of safety. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Flywire Corp
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Flywire Corporation is a payments enablement and software company in the United States and internationally. The company is headquartered in Boston, Massachusetts.
Visit Website →Oracle Corporation
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Oracle is an American multinational computer technology corporation headquartered in Austin, Texas. The company was formerly headquartered in Redwood Shores, California until December 2020 when it moved its headquarters to Texas. The company sells database software and technology, cloud engineered systems, and enterprise software products, particularly its own brands of database management systems.
Visit Website →Compare with Other SOFTWARE - INFRASTRUCTURE Stocks
Want to dig deeper into these stocks?