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 2026-09-23.
Oracle Corporation · Technology
$149.12
+45.0% upside to fair value
Med Conviction
Grade B
High Quality
VS
PayPal Holdings, Inc. · Financial Services
$52.71
+9.1% upside to fair value
Med Conviction
Grade B-
QuantHub Verdict
ORCL has more upside to fair value
(+45.0%).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
ORCL |
PYPL |
| Current Price |
$149.12 |
$52.71 |
| Fair Value Estimate |
$216.22 |
$57.50 |
| Upside to Fair Value |
+45.0%
|
+9.1%
|
| Market Cap |
$429.5B |
$45.1B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
14.6x
|
6.8x
|
| Price / Sales |
6.0x
|
1.3x
|
| Price / FCF |
—
|
7.2x
|
| Revenue Growth YoY |
+29.6%
|
+4.8%
|
| Gross Margin |
63.9%
|
45.8%
|
| Operating Margin |
32.4%
|
18.8%
|
| Return on Equity |
42.6%
|
24.4%
|
| Dividend Yield |
1.34% |
1.06% |
| FCF Yield |
—
|
13.97%
|
| Analyst Consensus |
Strong Buy
|
Hold
|
Investment Thesis
Oracle is a global enterprise software and cloud infrastructure provider whose portfolio spans the Oracle Database, Java, Fusion Cloud SaaS applications (ERP, EPM, SCM, HCM), NetSuite, and Oracle Cloud Infrastructure, sold through a direct sales force to businesses, governments, and educational institutions worldwide. The business quality is high on fundamentals: trailing-twelve-month gross margi…
PayPal operates a global digital-payments platform spanning branded checkout, Venmo, Braintree merchant processing, credit products and fraud-risk infrastructure across approximately 200 markets. Business quality is medium: its two-sided network, trusted brand, broad merchant distribution and risk capabilities remain meaningful assets, but its highest-value branded-checkout franchise is under com…
Accumulation Zones
| Metric |
ORCL |
PYPL |
| Zone Low |
$162.16 |
$43.12 |
| Zone High |
$183.79 |
$48.88 |
| In Buy Zone? |
Yes
|
No
|