Oracle Corporation (ORCL)vsQ2 Holdings (QTWO)
ORCL
Oracle Corporation
$139.56
-3.45%
TECHNOLOGY · Cap: $388.73B
QTWO
Q2 Holdings
$65.28
-3.87%
TECHNOLOGY · Cap: $3.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Oracle Corporation generates 8382% more annual revenue ($71.78B vs $846.20M). ORCL leads profitability with a 26.4% profit margin vs 10.9%. ORCL appears more attractively valued with a PEG of 0.81. ORCL earns a higher WallStSmart Score of 78/100 (B+).
ORCL
Strong Buy78
out of 100
Grade: B+
QTWO
Buy55
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-17.9%
Fair Value
$106.97
Current Price
$139.56
$32.59 premium
Intrinsic value data unavailable for QTWO.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Strong operational efficiency at 35.6%
Earnings expanding 54.5% YoY
Every $100 of equity generates 28 in profit
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Earnings expanding 156.5% YoY
Conservative balance sheet, low leverage
Areas to Watch
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Premium valuation, high expectations priced in
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ORCL
The strongest argument for ORCL centers on Market Cap, Operating Margin, EPS Growth. Profitability is solid with margins at 26.4% and operating margin at 35.6%. Revenue growth of 29.6% demonstrates continued momentum.
Bull Case : QTWO
The strongest argument for QTWO centers on EPS Growth, Debt/Equity. Revenue growth of 12.6% demonstrates continued momentum.
Bear Case : ORCL
The primary concerns for ORCL are Piotroski F-Score, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.34 is elevated, increasing financial risk.
Bear Case : QTWO
The primary concerns for QTWO are PEG Ratio, P/E Ratio, Altman Z-Score. A P/E of 44.2x leaves little room for execution misses.
Key Dynamics to Monitor
ORCL profiles as a growth stock while QTWO is a value play — different risk/reward profiles.
ORCL carries more volatility with a beta of 1.77 — expect wider price swings.
ORCL is growing revenue faster at 29.6% — sustainability is the question.
QTWO generates stronger free cash flow (59M), providing more financial flexibility.
Bottom Line
ORCL scores higher overall (78/100 vs 55/100), backed by strong 26.4% margins and 29.6% revenue growth. 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.
Visit Website →Q2 Holdings
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Q2 Holdings, Inc. provides cloud-based digital banking solutions to Community and Regional Financial Institutions (RCFIs) in the United States. The company is headquartered in Austin, Texas.
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