Oracle Corporation (ORCL)vsPagaya Technologies Ltd. (PGY)
ORCL
Oracle Corporation
$127.53
+8.34%
TECHNOLOGY · Cap: $365.96B
PGY
Pagaya Technologies Ltd.
$17.64
+8.96%
TECHNOLOGY · Cap: $1.45B
Smart Verdict
WallStSmart Research — data-driven comparison
Oracle Corporation generates 4967% more annual revenue ($67.36B vs $1.33B). ORCL leads profitability with a 25.4% profit margin vs 7.4%. PGY appears more attractively valued with a PEG of 0.05. ORCL earns a higher WallStSmart Score of 76/100 (B+).
ORCL
Strong Buy76
out of 100
Grade: B+
PGY
Strong Buy70
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-14.1%
Fair Value
$105.05
Current Price
$127.53
$22.48 premium
Margin of Safety
-0.3%
Fair Value
$12.83
Current Price
$17.64
$4.81 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 40 in profit
Strong operational efficiency at 36.2%
Keeps 25 of every $100 in revenue as profit
Growing faster than its price suggests
Revenue surging 20.6% year-over-year
Growing faster than its price suggests
Earnings expanding 183.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 25.2%
Areas to Watch
Trading at 9.8x book value
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Distress zone — elevated risk
Smaller company, higher risk/reward
7.4% margin — thin
Elevated debt levels
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 25.4% and operating margin at 36.2%. Revenue growth of 20.6% demonstrates continued momentum.
Bull Case : PGY
The strongest argument for PGY centers on PEG Ratio, EPS Growth, P/E Ratio. PEG of 0.05 suggests the stock is reasonably priced for its growth.
Bear Case : ORCL
The primary concerns for ORCL are Price/Book, Piotroski F-Score, Free Cash Flow. Debt-to-equity of 3.67 is elevated, increasing financial risk.
Bear Case : PGY
The primary concerns for PGY are Altman Z-Score, Market Cap, Profit Margin. Debt-to-equity of 1.75 is elevated, increasing financial risk.
Key Dynamics to Monitor
ORCL profiles as a growth stock while PGY is a value play — different risk/reward profiles.
PGY carries more volatility with a beta of 5.34 — expect wider price swings.
ORCL is growing revenue faster at 20.6% — sustainability is the question.
PGY generates stronger free cash flow (40M), providing more financial flexibility.
Bottom Line
ORCL scores higher overall (76/100 vs 70/100), backed by strong 25.4% margins and 20.6% revenue growth. Both earn "Strong Buy" and "Strong 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 →Pagaya Technologies Ltd.
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Pagaya Technologies Ltd. is a financial technology company in Israel, the United States and the Cayman Islands. The company is headquartered in Tel Aviv, Israel.
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