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Compare Stocks › BEN vs ORCL

Franklin Templeton Inc. (BEN) vs Oracle Corporation (ORCL): Which Is the Better Buy in 2026?

As of 2026-09-17, BEN is undervalued at $33, with a DCF intrinsic value of $42 and a margin of safety of 21%. ORCL is undervalued at $151, with an intrinsic value of $386 and a margin of safety of 61%. Of the two, ORCL has the wider margin of safety.

BEN
Franklin Templeton Inc.
$33.01
VS
ORCL
Oracle Corporation
$150.54

Rewards

BEN
  • ★PEG ratio of 0.42 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
ORCL
  • ★Gross margin of 64.0% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
  • ★Each dollar of retained earnings has created $3.80 of earning power — management is an exceptional capital allocator.

Risks

BEN
  • ⚠Buybacks have been poorly timed — 3 out of 4 years involved repurchases at relatively expensive valuations.
  • ⚠Altman Z-Score of 1.41 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
  • ⚠Free cash flow has declined at a 21.2% CAGR over the past 4 years — a concerning trend.
ORCL
  • ⚠Despite buyback spending, shares outstanding increased in 3 out of 4 years — stock-based compensation is offsetting repurchases.
  • ⚠High leverage (1.97x net debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
  • ⚠Altman Z-Score of 1.73 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.

Key Valuation Metrics

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BEN
ORCL
Valuation
$-2.99B
Free Cash Flow
$-45.85B
-17.83%
FCF Yield
-10.07%
22.46
Trailing P/E
23.60
10.39
Forward P/E
13.69
Quality & Moat
5.32%
ROIC
8.55%
7.89%
ROE
41.19%
37.71%
Gross Margin
63.96%
0.42
PEG Ratio
0.80
Balance Sheet Safety
0.06
Net Debt / Equity
1.97
N/A
Interest Coverage
N/A
0.50
Net Debt / EBITDA
3.84
4.03%
Dividend Yield
1.40%
BEN: 6Ties: 2ORCL: 4
BENORCL

Historical Fundamentals

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BEN

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

ORCL

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

$1 Retained Earnings Test

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BEN
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-74.9M
Δ Market Cap
$-733.3M
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
ORCL
$5.88
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$25.08B
Δ Market Cap
+$147.53B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Discounted Cash Flow (DCF) Analysis

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BEN
20.8% Margin of Safety
Price is 20.8% below estimated fair value
Current Price: $33.01
Fair Value: $41.66
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
ORCL
61.0% Margin of Safety
Price is 61.0% below estimated fair value
Current Price: $150.54
Fair Value: $385.54
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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BEN

Requires positive FCF to compute implied growth rate.

ORCL

Requires positive FCF to compute implied growth rate.

Economic Moat Score

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BEN
47/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None

Narrow moat with reinvestment efficiency as the key competitive advantage. Improving roic consistency would strengthen the moat.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
ORCL
67/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None

Narrow moat with revenue predictability as the key competitive advantage. Improving reinvestment efficiency would strengthen the moat.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.

Forensic Accounting

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BEN
-2.53
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
ORCL
-2.58
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Ownership Breakdown

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BEN
Insiders 48.5%Institutions 50.1%Retail & Other 1.4%
No. of Institutional Holders901
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
ORCL
Insiders 38.6%Institutions 43.6%Retail & Other 17.8%
No. of Institutional Holders4,570
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

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BEN
0
Buys (3M)
2
Buys (12M)
Total value (12M): $2.13M
JOHNSON CHARLES B
Beneficial Owner of more than 10% of a Class of Security
$1.06M
@ $21.20 · 2025-11-20
JOHNSON CHARLES B
Beneficial Owner of more than 10% of a Class of Security
$1.07M
@ $21.49 · 2025-11-18
JOHNSON CHARLES B
Beneficial Owner of more than 10% of a Class of Security
$7,442
@ $17.72 · 2025-04-04
JOHNSON CHARLES B
Beneficial Owner of more than 10% of a Class of Security
$1.96M
@ $19.57 · 2025-03-04
Open market purchases · includes direct & indirect ownership · excludes option exercises
ORCL
0
Buys (3M)
0
Buys (12M)
FAIRHEAD RONA ALISON
Director
$112,258
@ $233.87 · 2025-07-07
MOORMAN CHARLES W IV
Director
$947,913
@ $172.35 · 2025-02-12
Open market purchases · includes direct & indirect ownership · excludes option exercises

Open market purchases · includes direct & indirect ownership · excludes option exercises.

Insider Selling Activity

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BEN
0
Sells (3M)
0
Sells (12M)
JOHNSON CHARLES B
Beneficial Owner of more than 10% of a Class of Security
$7,379
@ $17.57 · 2025-04-04
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
ORCL
1
Sells (3M)
12
Sells (12M)
Total value (12M): $111.30M
HENLEY JEFFREY O
Officer and Director
$63.66M
@ $159.16 · 2026-06-24
LEVEY STUART A
Officer
$2.64M
@ $176.19 · 2026-04-16
MAGOUYRK CLAYTON M
Chief Executive Officer
$1.55M
@ $155.23 · 2026-02-09
KEHRING DOUGLAS A
Officer
$6.82M
@ $194.89 · 2026-01-15
HURA MARK
Officer
$2.95M
@ $196.89 · 2025-12-24
SELIGMAN NAOMI O
Director
$437,064
@ $196.61 · 2025-12-23
MAGOUYRK CLAYTON M
Chief Executive Officer
$1.93M
@ $192.52 · 2025-12-19
SMITH MARIA
Officer
$2.80M
@ $280.31 · 2025-10-23
MAGOUYRK CLAYTON M
Chief Executive Officer
$11.07M
@ $276.64 · 2025-10-21
LEVEY STUART A
Officer
$5.93M
@ $300.00 · 2025-10-10
SELIGMAN NAOMI O
Director
$641,958
@ $288.91 · 2025-09-26
SICILIA MICHAEL D
Officer
$10.87M
@ $321.16 · 2025-09-23
SICILIA MICHAEL D
Officer
$5.12M
@ $313.60 · 2025-09-16
MAGOUYRK CLAYTON M
President
$6.31M
@ $297.11 · 2025-09-12
SICILIA MICHAEL D
Officer
$4.04M
@ $254.48 · 2025-08-05
SELIGMAN NAOMI O
Director
$770,656
@ $233.32 · 2025-07-16
SMITH MARIA
Officer
$2.33M
@ $232.99 · 2025-07-03
CATZ SAFRA A
Chief Executive Officer
$267.24M
@ $212.01 · 2025-06-27
CATZ SAFRA A
Chief Executive Officer
$794.64M
@ $212.50 · 2025-06-26
CATZ SAFRA A
Chief Executive Officer
$764.01M
@ $206.77 · 2025-06-23
MAGOUYRK CLAYTON M
Officer
$3.21M
@ $214.10 · 2025-06-17
CONRADES GEORGE HENRY
Director
$1.74M
@ $213.49 · 2025-06-17
SELIGMAN NAOMI O
Director
$428,562
@ $149.53 · 2025-05-05
SELIGMAN NAOMI O
Director
$291,620
@ $145.81 · 2025-04-02
CATZ SAFRA A
Chief Executive Officer
$705.46M
@ $185.40 · 2025-01-24
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

🎭 Mr. Market's Mood

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BEN
FearGreed
😐Neutral(56/100)

"Market is pricing this stock without strong emotion in either direction"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
ORCL
FearGreed
😨Fear(35/100)

"Market is pessimistic — investigate whether fears are temporary or structural"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

⚖️ Buffett Signal

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BEN
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Neutral (56)
ORCL
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Fear (35)
View BEN Full AnalysisView ORCL Full Analysis

Frequently Asked Questions: BEN vs ORCL

Is Franklin Templeton Inc. or Oracle Corporation more undervalued in 2026?▼

Based on our discounted cash flow model, ORCL trades at a 61.0% margin of safety (intrinsic value $386 vs. price $151), compared to BEN's 20.8% margin of safety (intrinsic $42 vs. $33).

Which stock has a wider economic moat, Franklin Templeton Inc. or Oracle Corporation?▼

ORCL scores 67/100 (Narrow moat), while BEN scores 47/100 (Narrow moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Franklin Templeton Inc. in financial distress?▼

BEN's Altman Z-Score of 1.4 places it in the Distress zone, signaling elevated bankruptcy risk. ORCL scores 1.7 (Distress zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

Which company has better free cash flow, Franklin Templeton Inc. or Oracle Corporation?▼

Oracle Corporation (ORCL) generates a -10.1% free cash flow yield, compared to Franklin Templeton Inc.'s -17.8%. A higher FCF yield means the business converts more of its market value into cash that can be returned to shareholders or reinvested.

Which stock has higher return on invested capital, Franklin Templeton Inc. or Oracle Corporation?▼

ORCL earns 8.5% ROIC versus BEN's 5.3%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.

Which dividend is safer, Franklin Templeton Inc.'s or Oracle Corporation's?▼

ORCL's dividend earns a safety score of 79/100 (Safe), compared to BEN's 39/100 (Unsafe). ORCL has raised its dividend for 3 consecutive years.