MA vs ORCL: Which Is the Better Buy?
Side-by-side comparison of Mastercard Incorporated and Oracle Corporation — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-04-18.
Mastercard Incorporated · Financial Services
$498.66
+22.3% upside to fair value
High Conviction
Grade A-
VS
Oracle Corporation · Technology
$175.08
+24.7% upside to fair value
Grade B
QuantHub Verdict
ORCL has more upside to fair value
(+24.7%).
MA trades at a lower forward P/E
(25.5x).
These are model outputs — not personalized investment advice.
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Valuation & Fundamentals
| Metric |
MA |
ORCL |
| Current Price |
$498.66 |
$175.08 |
| Fair Value Estimate |
$610.00 |
$218.26 |
| Upside to Fair Value |
+22.3%
|
+24.7%
|
| Market Cap |
$445.0B |
$503.5B |
| Forward P/E |
25.5x
|
30.8x
|
| EV / EBITDA |
22.4x
|
21.4x
|
| Price / Sales |
13.6x
|
7.9x
|
| Price / FCF |
26.0x
|
-20.4x
|
| Revenue Growth YoY |
+16.4%
|
+7.0%
|
| Gross Margin |
83.4%
|
66.4%
|
| Operating Margin |
59.2%
|
30.8%
|
| Return on Equity |
198.4%
|
57.4%
|
| Dividend Yield |
0.65% |
0% |
| FCF Yield |
3.84%
|
—
|
| Analyst Consensus |
Strong Buy
|
Strong Buy
|
Investment Thesis
Mastercard operates one of the world's two dominant payment networks, processing over $9 trillion in gross dollar volume annually across 220+ countries. The business generates 83% gross margins and 46% net margins with zero credit risk because Mastercard never lends money, only collecting tolls on every transaction. Value-Added Services (analytics, fraud prevention, cybersecurity) now comprise 41…
Oracle Corporation is a leading technology company specializing in software infrastructure, with a dominant Cloud and License Business segment generating 85.8% of its $57.4 billion revenue in fiscal 2025. The company benefits from a durable competitive moat driven by decades of leadership continuity, aggressive M&A history, and a strong position in enterprise software and cloud services. Despite …
Accumulation Zones
| Metric |
MA |
ORCL |
| Zone Low |
$460.00 |
$163.69 |
| Zone High |
$515.00 |
$185.52 |
| In Buy Zone? |
Yes
|
Yes
|