WallStSmart

OLB Group Inc (OLB)vsOracle Corporation (ORCL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Oracle Corporation generates 799680% more annual revenue ($64.08B vs $8.01M). ORCL leads profitability with a 25.3% profit margin vs -73.2%. ORCL earns a higher WallStSmart Score of 69/100 (B-).

OLB

Avoid

31

out of 100

Grade: F

Growth: 2.7Profit: 2.0Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: -9.53

ORCL

Strong Buy

69

out of 100

Grade: B-

Growth: 8.0Profit: 9.0Value: 4.3Quality: 3.0
Piotroski: 2/9Altman Z: 0.59

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

OLB2 strengths · Avg: 10.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

ORCL6 strengths · Avg: 9.2/10
Market CapQuality
$703.42B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
42.1%10/10

Every $100 of equity generates 42 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

Areas to Watch

OLB4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$6.69M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-112.8%2/10

ROE of -112.8% — below average capital efficiency

ORCL4 concerns · Avg: 3.3/10
PEG RatioValuation
1.574/10

Expensive relative to growth rate

Price/BookValuation
18.3x4/10

Trading at 18.3x book value

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

P/E RatioValuation
44.0x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : OLB

The strongest argument for OLB centers on Price/Book, Debt/Equity.

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 : OLB

The primary concerns for OLB are EPS Growth, Market Cap, Piotroski F-Score.

Bear Case : ORCL

The primary concerns for ORCL are PEG Ratio, Price/Book, Piotroski F-Score. A P/E of 44.0x leaves little room for execution misses. Debt-to-equity of 4.21 is elevated, increasing financial risk.

Key Dynamics to Monitor

OLB profiles as a turnaround stock while ORCL is a growth play — different risk/reward profiles.

OLB carries more volatility with a beta of 2.02 — expect wider price swings.

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

OLB generates stronger free cash flow (-1M), providing more financial flexibility.

Bottom Line

ORCL scores higher overall (69/100 vs 31/100), backed by strong 25.3% margins and 21.7% revenue growth. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

OLB Group Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

OLB Group, Inc. is a FinTech company and payments facilitator in the United States. The company is headquartered in New York, New York.

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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