Flywire Corp (FLYW)vsOracle Corporation (ORCL)
FLYW
Flywire Corp
$16.56
0.00%
TECHNOLOGY · Cap: $2.23B
ORCL
Oracle Corporation
$127.53
+8.34%
TECHNOLOGY · Cap: $365.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Oracle Corporation generates 9839% more annual revenue ($67.36B vs $677.68M). ORCL leads profitability with a 25.4% profit margin vs 4.5%. ORCL trades at a lower P/E of 20.8x. ORCL earns a higher WallStSmart Score of 76/100 (B+).
FLYW
Hold43
out of 100
Grade: D
ORCL
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.1%
Fair Value
$34.93
Current Price
$16.56
$18.37 discount
Margin of Safety
-14.1%
Fair Value
$105.05
Current Price
$127.53
$22.48 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 41.0% year-over-year
Conservative balance sheet, low leverage
Reasonable price relative to book value
Mega-cap, among the largest globally
Every $100 of equity generates 40 in profit
Strong operational efficiency at 36.2%
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
Distress zone — elevated risk
ROE of 0.0% — below average capital efficiency
4.5% margin — thin
Premium valuation, high expectations priced in
Trading at 9.8x book value
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FLYW
The strongest argument for FLYW centers on Revenue Growth, Debt/Equity, Price/Book. Revenue growth of 41.0% 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 25.4% and operating margin at 36.2%. Revenue growth of 20.6% demonstrates continued momentum.
Bear Case : FLYW
The primary concerns for FLYW are Altman Z-Score, Return on Equity, Profit Margin. A P/E of 75.1x leaves little room for execution misses. Thin 4.5% margins leave little buffer for downturns.
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.
Key Dynamics to Monitor
FLYW profiles as a hypergrowth stock while ORCL is a growth play — different risk/reward profiles.
ORCL carries more volatility with a beta of 1.71 — expect wider price swings.
FLYW is growing revenue faster at 41.0% — sustainability is the question.
FLYW generates stronger free cash flow (-19M), providing more financial flexibility.
Bottom Line
ORCL scores higher overall (76/100 vs 43/100), backed by strong 25.4% margins and 20.6% revenue growth. FLYW offers better value entry with a 68.1% margin of safety. 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.
Flywire Corp
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Flywire Corporation is a payments enablement and software company in the United States and internationally. The company is headquartered in Boston, Massachusetts.
Visit Website →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 →Compare with Other SOFTWARE - INFRASTRUCTURE Stocks
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