WallStSmart

Oracle Corporation (ORCL)vsYuanbao Inc. American Depositary Shares (YB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Oracle Corporation generates 1327% more annual revenue ($67.36B vs $4.72B). YB leads profitability with a 29.7% profit margin vs 25.4%. YB trades at a lower P/E of 3.6x. YB earns a higher WallStSmart Score of 76/100 (B+).

ORCL

Strong Buy

76

out of 100

Grade: B+

Growth: 8.0Profit: 9.0Value: 5.3Quality: 3.0
Piotroski: 2/9Altman Z: 0.68

YB

Strong Buy

76

out of 100

Grade: B+

Growth: 9.3Profit: 10.0Value: 6.7Quality: 8.5
Piotroski: 3/9Altman Z: 4.25
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ORCLSignificantly Overvalued (-34.0%)

Margin of Safety

-34.0%

Fair Value

$104.95

Current Price

$140.64

$35.69 premium

UndervaluedFair: $104.95Overvalued

Intrinsic value data unavailable for YB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ORCL6 strengths · Avg: 9.2/10
Market CapQuality
$415.42B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
40.2%10/10

Every $100 of equity generates 40 in profit

Operating MarginProfitability
36.2%10/10

Strong operational efficiency at 36.2%

Profit MarginProfitability
25.4%9/10

Keeps 25 of every $100 in revenue as profit

PEG RatioValuation
0.798/10

Growing faster than its price suggests

Revenue GrowthGrowth
20.6%8/10

Revenue surging 20.6% year-over-year

YB6 strengths · Avg: 10.0/10
P/E RatioValuation
3.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Return on EquityProfitability
37.3%10/10

Every $100 of equity generates 37 in profit

Operating MarginProfitability
33.2%10/10

Strong operational efficiency at 33.2%

Revenue GrowthGrowth
35.6%10/10

Revenue surging 35.6% year-over-year

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Areas to Watch

ORCL4 concerns · Avg: 2.8/10
Price/BookValuation
10.8x4/10

Trading at 10.8x book value

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Free Cash FlowQuality
$-1.87B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.682/10

Distress zone — elevated risk

YB2 concerns · Avg: 3.0/10
Market CapQuality
$692.13M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull 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 : YB

The strongest argument for YB centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 29.7% and operating margin at 33.2%. Revenue growth of 35.6% demonstrates continued momentum.

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 : YB

The primary concerns for YB are Market Cap, Piotroski F-Score.

Key Dynamics to Monitor

YB is growing revenue faster at 35.6% — sustainability is the question.

YB generates stronger free cash flow (1.5B), providing more financial flexibility.

Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ORCL scores higher overall (76/100 vs 76/100), 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.

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Yuanbao Inc. American Depositary Shares

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Yuanbao Inc., provides online insurance distribution and services in the People's Republic of China. The company is headquartered in Beijing, the People's Republic of China.

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