WallStSmart

Oracle Corporation (ORCL)vsClear Secure Inc (YOU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Oracle Corporation generates 7013% more annual revenue ($64.08B vs $900.78M). ORCL leads profitability with a 25.3% profit margin vs 12.1%. ORCL trades at a lower P/E of 29.0x. ORCL earns a higher WallStSmart Score of 74/100 (B).

ORCL

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 9.0Value: 4.7Quality: 2.5
Piotroski: 2/9Altman Z: 0.59

YOU

Buy

50

out of 100

Grade: C-

Growth: 6.7Profit: 8.0Value: 5.7Quality: 4.3
Piotroski: 3/9Altman Z: 1.59
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ORCLSignificantly Overvalued (-42.4%)

Margin of Safety

-42.4%

Fair Value

$113.34

Current Price

$161.39

$48.05 premium

UndervaluedFair: $113.34Overvalued
YOUUndervalued (+21.5%)

Margin of Safety

+21.5%

Fair Value

$41.45

Current Price

$53.33

$11.88 discount

UndervaluedFair: $41.45Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ORCL6 strengths · Avg: 9.2/10
Market CapQuality
$464.17B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
57.6%10/10

Every $100 of equity generates 58 in profit

Operating MarginProfitability
32.7%10/10

Strong operational efficiency at 32.7%

Profit MarginProfitability
25.3%9/10

Keeps 25 of every $100 in revenue as profit

Revenue GrowthGrowth
21.7%8/10

Revenue surging 21.7% year-over-year

EPS GrowthGrowth
24.5%8/10

Earnings expanding 24.5% YoY

YOU3 strengths · Avg: 8.7/10
Return on EquityProfitability
76.0%10/10

Every $100 of equity generates 76 in profit

Operating MarginProfitability
22.4%8/10

Strong operational efficiency at 22.4%

Revenue GrowthGrowth
16.7%8/10

16.7% revenue growth

Areas to Watch

ORCL4 concerns · Avg: 3.3/10
P/E RatioValuation
29.0x4/10

Moderate valuation

Price/BookValuation
13.8x4/10

Trading at 13.8x book value

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Free Cash FlowQuality
$-11.48B2/10

Negative free cash flow — burning cash

YOU4 concerns · Avg: 2.8/10
Altman Z-ScoreHealth
1.594/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

P/E RatioValuation
47.6x2/10

Premium valuation, high expectations priced in

Price/BookValuation
29.5x2/10

Trading at 29.5x book value

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 25.3% and operating margin at 32.7%. Revenue growth of 21.7% demonstrates continued momentum.

Bull Case : YOU

The strongest argument for YOU centers on Return on Equity, Operating Margin, Revenue Growth. Revenue growth of 16.7% 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 : YOU

The primary concerns for YOU are Altman Z-Score, Piotroski F-Score, P/E Ratio. A P/E of 47.6x leaves little room for execution misses.

Key Dynamics to Monitor

ORCL carries more volatility with a beta of 1.60 — expect wider price swings.

ORCL is growing revenue faster at 21.7% — sustainability is the question.

YOU generates stronger free cash flow (187M), providing more financial flexibility.

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

Bottom Line

ORCL scores higher overall (74/100 vs 50/100), backed by strong 25.3% margins and 21.7% revenue growth. YOU offers better value entry with a 21.5% 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.

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Clear Secure Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Clear Secure, Inc. is focused on operating as a holding company for Alclear Holdings LLC providing a member-centric secure identity platform using biometric data in the United States. The company is headquartered in New York, New York.

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