Corpay Inc (CPAY)vsOracle Corporation (ORCL)
CPAY
Corpay Inc
$397.22
-0.14%
TECHNOLOGY · Cap: $26.12B
ORCL
Oracle Corporation
$149.16
+0.43%
TECHNOLOGY · Cap: $432.88B
Smart Verdict
WallStSmart Research — data-driven comparison
Oracle Corporation generates 1242% more annual revenue ($67.36B vs $5.02B). ORCL leads profitability with a 25.4% profit margin vs 22.7%. CPAY appears more attractively valued with a PEG of 0.76. ORCL earns a higher WallStSmart Score of 76/100 (B+).
CPAY
Strong Buy70
out of 100
Grade: B-
ORCL
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+26.4%
Fair Value
$470.77
Current Price
$397.22
$73.55 discount
Margin of Safety
-42.8%
Fair Value
$105.48
Current Price
$149.16
$43.68 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 32 in profit
Strong operational efficiency at 46.9%
Keeps 23 of every $100 in revenue as profit
Growing faster than its price suggests
Revenue surging 21.5% year-over-year
Generating 1.4B in free cash flow
Mega-cap, among the largest globally
Strong operational efficiency at 36.2%
Every $100 of equity generates 28 in profit
Keeps 25 of every $100 in revenue as profit
Growing faster than its price suggests
Revenue surging 20.6% year-over-year
Areas to Watch
Weak financial health signals
Earnings declined 7.0%
Distress zone — elevated risk
Elevated debt levels
Trading at 11.4x book value
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CPAY
The strongest argument for CPAY centers on Return on Equity, Operating Margin, Profit Margin. Profitability is solid with margins at 22.7% and operating margin at 46.9%. Revenue growth of 21.5% demonstrates continued momentum.
Bull Case : ORCL
The strongest argument for ORCL centers on Market Cap, Operating Margin, Return on Equity. Profitability is solid with margins at 25.4% and operating margin at 36.2%. Revenue growth of 20.6% demonstrates continued momentum.
Bear Case : CPAY
The primary concerns for CPAY are Piotroski F-Score, EPS Growth, Altman Z-Score. Debt-to-equity of 3.00 is elevated, increasing financial risk.
Bear Case : ORCL
The primary concerns for ORCL are Price/Book, Piotroski F-Score, Free Cash Flow. Debt-to-equity of 2.34 is elevated, increasing financial risk.
Key Dynamics to Monitor
ORCL carries more volatility with a beta of 1.73 — expect wider price swings.
CPAY is growing revenue faster at 21.5% — sustainability is the question.
CPAY generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ORCL scores higher overall (76/100 vs 70/100), backed by strong 25.4% margins and 20.6% revenue growth. CPAY offers better value entry with a 26.4% margin of safety. 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.
Corpay Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Corpay Inc. is a prominent player in the integrated payment solutions space, specializing in transforming corporate payables and receivables for diverse industries. With a focus on advanced technology and data analytics, Corpay not only boosts cash flow and operational efficiency but also empowers clients to prioritize their core business activities. The firm’s extensive range of financial services, combined with a steadfast dedication to customer satisfaction and regulatory adherence, positions it as an essential partner for businesses operating globally. As the fintech landscape undergoes rapid evolution, Corpay stands out as a compelling investment opportunity for institutional investors aiming to tap into growth within this dynamic sector.
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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