Oracle Corporation (ORCL)vsPayPay Corporation American Depository Shares (PAYP)
ORCL
Oracle Corporation
$149.68
-3.76%
TECHNOLOGY · Cap: $448.27B
PAYP
PayPay Corporation American Depository Shares
$19.90
-2.69%
TECHNOLOGY · Cap: $13.67B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPay Corporation American Depository Shares generates 455% more annual revenue ($355.53B vs $64.08B). PAYP leads profitability with a 31.3% profit margin vs 25.3%. PAYP trades at a lower P/E of 19.5x. ORCL earns a higher WallStSmart Score of 76/100 (B+).
ORCL
Strong Buy76
out of 100
Grade: B+
PAYP
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+41.6%
Fair Value
$256.22
Current Price
$149.68
$106.54 discount
Margin of Safety
N/A
Fair Value
$49.14
Current Price
$19.90
$29.24 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Keeps 31 of every $100 in revenue as profit
Generating 332.1B in free cash flow
Strong operational efficiency at 24.8%
Revenue surging 23.9% year-over-year
Earnings expanding 27.3% YoY
Areas to Watch
Moderate valuation
Trading at 12.8x book value
Weak financial health signals
Negative free cash flow — burning cash
ROE of 0.0% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PAYP
The strongest argument for PAYP centers on Profit Margin, Free Cash Flow, Operating Margin. Profitability is solid with margins at 31.3% and operating margin at 24.8%. Revenue growth of 23.9% demonstrates continued momentum.
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.
Bear Case : PAYP
The primary concerns for PAYP are Return on Equity.
Key Dynamics to Monitor
PAYP is growing revenue faster at 23.9% — sustainability is the question.
PAYP generates stronger free cash flow (332.1B), providing more financial flexibility.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ORCL scores higher overall (76/100 vs 58/100), 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.
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 →PayPay Corporation American Depository Shares
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
PayPay Corporation, a financial technology company, provides a digital finance platform with services that inlclude easy-to-use payments and other financial services in Japan. The company is headquartered in Shinjuku, Japan.
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