Corpay Inc (CPAY)vsOracle Corporation (ORCL)
CPAY
Corpay Inc
$291.83
-0.68%
TECHNOLOGY · Cap: $20.56B
ORCL
Oracle Corporation
$146.02
-0.73%
TECHNOLOGY · Cap: $423.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Oracle Corporation generates 1315% more annual revenue ($64.08B vs $4.53B). ORCL leads profitability with a 25.3% profit margin vs 23.6%. CPAY appears more attractively valued with a PEG of 0.74. ORCL earns a higher WallStSmart Score of 76/100 (B+).
CPAY
Strong Buy74
out of 100
Grade: B
ORCL
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-8.7%
Fair Value
$318.85
Current Price
$291.83
$27.02 premium
Margin of Safety
+40.2%
Fair Value
$244.26
Current Price
$146.02
$98.24 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 57.1%
Every $100 of equity generates 29 in profit
Keeps 24 of every $100 in revenue as profit
Growing faster than its price suggests
Revenue surging 20.7% year-over-year
Mega-cap, among the largest globally
Every $100 of equity generates 58 in profit
Strong operational efficiency at 32.7%
Keeps 25 of every $100 in revenue as profit
Growing faster than its price suggests
Revenue surging 21.7% year-over-year
Areas to Watch
Weak financial health signals
Moderate valuation
Trading at 12.5x book value
Weak financial health signals
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : CPAY
The strongest argument for CPAY centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 23.6% and operating margin at 57.1%. Revenue growth of 20.7% demonstrates continued momentum.
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.
Bear Case : CPAY
The primary concerns for CPAY are Piotroski F-Score.
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.
Key Dynamics to Monitor
ORCL carries more volatility with a beta of 1.65 — expect wider price swings.
ORCL is growing revenue faster at 21.7% — sustainability is the question.
CPAY generates stronger free cash flow (760M), providing more financial flexibility.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ORCL scores higher overall (76/100 vs 74/100), backed by strong 25.3% margins and 21.7% 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.
Corpay Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Corpay Inc is a prominent provider of integrated payment solutions designed to streamline corporate payables and receivables for businesses across diverse sectors. Utilizing advanced technology and data-driven insights, Corpay empowers clients to enhance cash flow and operational efficiency through optimized payment processes. With a comprehensive suite of financial services and a commitment to customer service and regulatory compliance, Corpay serves as an essential partner for organizations seeking to successfully navigate the complexities of global commerce. Its innovative approach to payment automation positions the company as a key player in the evolving landscape of financial technology.
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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