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 2026-07-17.
Mastercard Incorporated · Financial Services
$543.60
+45.0% upside to fair value
High Conviction
Grade A
High Quality
VS
Oracle Corporation · Technology
$184.31
+14.0% upside to fair value
Grade C
High Quality
QuantHub Verdict
MA has more upside to fair value
(+45.0%).
These are model outputs — not personalized investment advice.
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Valuation & Fundamentals
| Metric |
MA |
ORCL |
| Current Price |
$543.60 |
$184.31 |
| Fair Value Estimate |
$788.22 |
$210.13 |
| Upside to Fair Value |
+45.0%
|
+14.0%
|
| Market Cap |
$480.3B |
$530.1B |
| Forward P/E |
—
|
31.0x
|
| EV / EBITDA |
23.3x
|
20.4x
|
| Price / Sales |
14.2x
|
7.9x
|
| Price / FCF |
27.1x
|
-22.4x
|
| Revenue Growth YoY |
+15.8%
|
+20.6%
|
| Gross Margin |
83.0%
|
65.8%
|
| Operating Margin |
59.4%
|
30.8%
|
| Return on Equity |
206.1%
|
50.4%
|
| Dividend Yield |
0.62% |
0% |
| FCF Yield |
3.69%
|
—
|
| Analyst Consensus |
Strong Buy
|
Strong Buy
|
Investment Thesis
Mastercard operates a global two-sided payments network that connects issuers, acquirers, merchants and cardholders, monetizing payment volumes and an expanding set of security, data, authentication and other value-added services. Business quality is high: the network benefits from powerful acceptance and scale effects, 83.0% gross margin, 59.4% operating margin, 45.9% net margin, 206.1% ROE, and…
Oracle Corporation is a leading enterprise software and cloud infrastructure provider with a durable competitive moat driven by its extensive software portfolio, strong cloud growth, and stable leadership. The company reported $57.4 billion in revenue for fiscal 2025, growing 8% year-over-year, with cloud services and license support growing 12%. Oracle's cloud infrastructure (OCI) is a key growt…
Accumulation Zones
| Metric |
MA |
ORCL |
| Zone Low |
$591.16 |
$157.60 |
| Zone High |
$669.99 |
$178.61 |
| In Buy Zone? |
Yes
|
No
|