ORCL vs PYPL: Which Is the Better Buy?
Side-by-side comparison of Oracle Corporation and PayPal Holdings, Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-06-20.
Oracle Corporation · Technology
$184.31
+14.0% upside to fair value
Grade C
High Quality
VS
PayPal Holdings, Inc. · Financial Services
$42.51
+45.0% upside to fair value
Grade B
QuantHub Verdict
PYPL has more upside to fair value
(+45.0%).
PYPL trades at a lower forward P/E
(7.7x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
ORCL |
PYPL |
| Current Price |
$184.31 |
$42.51 |
| Fair Value Estimate |
$210.13 |
$61.64 |
| Upside to Fair Value |
+14.0%
|
+45.0%
|
| Market Cap |
$530.1B |
$37.5B |
| Forward P/E |
31.0x
|
7.7x
|
| EV / EBITDA |
20.4x
|
5.3x
|
| Price / Sales |
7.9x
|
1.1x
|
| Price / FCF |
-22.4x
|
6.8x
|
| Revenue Growth YoY |
+20.6%
|
+7.2%
|
| Gross Margin |
65.8%
|
46.1%
|
| Operating Margin |
30.8%
|
17.9%
|
| Return on Equity |
50.4%
|
25.1%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
—
|
14.71%
|
| Analyst Consensus |
Strong Buy
|
Sell
|
Investment Thesis
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…
PayPal Holdings, Inc. operates as a leading global digital payments platform with a competitive moat driven by its extensive network effects, brand recognition, and scale. Despite a durable business model with 2025 revenue of $33.17 billion growing at 4.3% year-over-year and a strong return on equity of 25.1%, the company faces slowing growth and margin pressures, reflected in a 13.5% decline in …
Accumulation Zones
| Metric |
ORCL |
PYPL |
| Zone Low |
$157.60 |
$46.23 |
| Zone High |
$178.61 |
$52.39 |
| In Buy Zone? |
No
|
Yes
|