Oracle Corporation (ORCL)vsUsio Inc (USIO)
ORCL
Oracle Corporation
$213.68
+0.02%
TECHNOLOGY · Cap: $703.42B
USIO
Usio Inc
$1.53
-1.92%
TECHNOLOGY · Cap: $47.19M
Smart Verdict
WallStSmart Research — data-driven comparison
Oracle Corporation generates 72017% more annual revenue ($64.08B vs $88.85M). ORCL leads profitability with a 25.3% profit margin vs -2.4%. USIO appears more attractively valued with a PEG of 0.95. ORCL earns a higher WallStSmart Score of 69/100 (B-).
ORCL
Strong Buy69
out of 100
Grade: B-
USIO
Hold42
out of 100
Grade: D
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Growing faster than its price suggests
Reasonable price relative to book value
15.7% revenue growth
Areas to Watch
Expensive relative to growth rate
Trading at 18.3x book value
Weak financial health signals
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
Operating margin of 0.9%
ROE of -11.6% — below average capital efficiency
Earnings declined 63.3%
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 : USIO
The strongest argument for USIO centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 15.7% demonstrates continued momentum. PEG of 0.95 suggests the stock is reasonably priced for its growth.
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.
Bear Case : USIO
The primary concerns for USIO are Market Cap, Operating Margin, Return on Equity.
Key Dynamics to Monitor
ORCL carries more volatility with a beta of 1.54 — expect wider price swings.
ORCL is growing revenue faster at 21.7% — sustainability is the question.
USIO generates stronger free cash flow (548,650), providing more financial flexibility.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ORCL scores higher overall (69/100 vs 42/100), backed by strong 25.3% margins and 21.7% revenue growth. 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.
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 →Usio Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Usio, Inc., provides integrated electronic payment processing services to merchants and businesses in the United States. The company is headquartered in San Antonio, Texas.
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