Oracle Corporation (ORCL)vsPaysign Inc (PAYS)
ORCL
Oracle Corporation
$139.56
-3.45%
TECHNOLOGY · Cap: $388.73B
PAYS
Paysign Inc
$13.97
-3.92%
TECHNOLOGY · Cap: $842.41M
Smart Verdict
WallStSmart Research — data-driven comparison
Oracle Corporation generates 71218% more annual revenue ($71.78B vs $100.64M). ORCL leads profitability with a 26.4% profit margin vs 15.7%. ORCL trades at a lower P/E of 20.1x. ORCL earns a higher WallStSmart Score of 78/100 (B+).
ORCL
Strong Buy78
out of 100
Grade: B+
PAYS
Buy61
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-17.9%
Fair Value
$106.97
Current Price
$139.56
$32.59 premium
Margin of Safety
+57.4%
Fair Value
$7.95
Current Price
$13.97
$6.02 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Strong operational efficiency at 35.6%
Earnings expanding 54.5% YoY
Every $100 of equity generates 28 in profit
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Revenue surging 48.1% year-over-year
Earnings expanding 450.0% YoY
Conservative balance sheet, low leverage
Every $100 of equity generates 26 in profit
Strong operational efficiency at 28.3%
Areas to Watch
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Trading at 13.1x book value
Smaller company, higher risk/reward
Weak financial health signals
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : ORCL
The strongest argument for ORCL centers on Market Cap, Operating Margin, EPS Growth. Profitability is solid with margins at 26.4% and operating margin at 35.6%. Revenue growth of 29.6% demonstrates continued momentum.
Bull Case : PAYS
The strongest argument for PAYS centers on Revenue Growth, EPS Growth, Debt/Equity. Profitability is solid with margins at 15.7% and operating margin at 28.3%. Revenue growth of 48.1% demonstrates continued momentum.
Bear Case : ORCL
The primary concerns for ORCL are Piotroski F-Score, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.34 is elevated, increasing financial risk.
Bear Case : PAYS
The primary concerns for PAYS are Price/Book, Market Cap, Piotroski F-Score. A P/E of 55.3x leaves little room for execution misses.
Key Dynamics to Monitor
ORCL carries more volatility with a beta of 1.77 — expect wider price swings.
PAYS is growing revenue faster at 48.1% — sustainability is the question.
PAYS generates stronger free cash flow (-4M), providing more financial flexibility.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ORCL scores higher overall (78/100 vs 61/100), backed by strong 26.4% margins and 29.6% revenue growth. PAYS offers better value entry with a 57.4% margin of safety. 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 →Paysign Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
PaySign, Inc. offers prepaid card products and processing services under the PaySign brand for corporate, consumer and government applications. The company is headquartered in Henderson, Nevada.
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