Shift4 Payments Inc (FOUR)vsOracle Corporation (ORCL)
FOUR
Shift4 Payments Inc
$48.86
-6.93%
TECHNOLOGY · Cap: $5.36B
ORCL
Oracle Corporation
$146.02
-0.73%
TECHNOLOGY · Cap: $423.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Oracle Corporation generates 1433% more annual revenue ($64.08B vs $4.18B). ORCL leads profitability with a 25.3% profit margin vs 2.9%. FOUR appears more attractively valued with a PEG of 0.36. ORCL earns a higher WallStSmart Score of 76/100 (B+).
FOUR
Buy54
out of 100
Grade: C-
ORCL
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-700.3%
Fair Value
$7.34
Current Price
$48.86
$41.52 premium
Margin of Safety
+40.2%
Fair Value
$244.26
Current Price
$146.02
$98.24 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Revenue surging 33.9% year-over-year
Mega-cap, among the largest globally
Every $100 of equity generates 58 in profit
Strong operational efficiency at 32.7%
Keeps 25 of every $100 in revenue as profit
Growing faster than its price suggests
Revenue surging 21.7% year-over-year
Areas to Watch
2.9% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Earnings declined 72.2%
Moderate valuation
Trading at 12.5x book value
Weak financial health signals
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : FOUR
The strongest argument for FOUR centers on PEG Ratio, Revenue Growth. Revenue growth of 33.9% demonstrates continued momentum. PEG of 0.36 suggests the stock is reasonably priced for its growth.
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 : FOUR
The primary concerns for FOUR are Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 48.6x leaves little room for execution misses. Thin 2.9% margins leave little buffer for downturns.
Bear Case : ORCL
The primary concerns for ORCL are P/E Ratio, Price/Book, Piotroski F-Score. Debt-to-equity of 4.15 is elevated, increasing financial risk.
Key Dynamics to Monitor
FOUR profiles as a hypergrowth stock while ORCL is a growth play — different risk/reward profiles.
ORCL carries more volatility with a beta of 1.65 — expect wider price swings.
FOUR is growing revenue faster at 33.9% — sustainability is the question.
FOUR generates stronger free cash flow (187M), providing more financial flexibility.
Bottom Line
ORCL scores higher overall (76/100 vs 54/100), backed by strong 25.3% margins and 21.7% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Shift4 Payments Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Shift4 Payments, Inc. provides integrated payment processing and technology solutions in the United States. The company is headquartered in Allentown, Pennsylvania.
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.
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