Compare Stocks › EFX vs ORCL
Equifax Inc. (EFX) vs Oracle Corporation (ORCL)
EFX
Equifax Inc.
$181.50
VS
ORCL
Oracle Corporation
$155.52
Rewards
EFX
- ★Free cash flow has grown at a 104.5% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $1.94 of market value — management is creating shareholder value.
- ★Trailing P/E of 34.1x is 25% below the historical average of 45.6x — potentially undervalued relative to its own history.
ORCL
- ★Oracle Corporation has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
- ★Gross margin of 67.1% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Oracle Corporation scores 71/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
Risks
EFX
- ⚠PEG ratio of 14.22 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
- ⚠Insiders have sold $10.4M worth of stock in the past 3 months — significant insider liquidation.
ORCL
- ⚠Despite buyback spending, shares outstanding increased in 3 out of 4 years — stock-based compensation is offsetting repurchases.
- ⚠High leverage (4.15x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
- ⚠Net debt/EBITDA of 4.5x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.
Key Valuation Metrics
Learn more →EFX
ORCL
Valuation
$1.00B
Free Cash Flow
$-22.30B
4.51%
FCF Yield
-4.99%
34.12
Trailing P/E
27.92
17.53
Forward P/E
19.51
Quality & Moat
8.71%
ROIC
8.22%
13.94%
ROE
31.86%
56.45%
Gross Margin
67.08%
14.22
PEG Ratio
1.14
Balance Sheet Safety
1.11
Debt / Equity
4.15
N/A
Interest Coverage
N/A
2.71
Net Debt / EBITDA
4.48
1.13%
Dividend Yield
1.29%
EFX: 6Ties: 1ORCL: 5
EFXORCL
Historical Fundamentals
Learn more →EFX
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
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.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →EFX
$1.94
created per $1 retained over 3 years
Value Creator
Σ Retained
$1.19B
Δ Market Cap
+$2.32B
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
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
ORCL
$17.69
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$18.61B
Δ Market Cap
+$329.28B
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
> $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
Learn more →EFX
4.1% Margin of Safety
Price is 4.1% below estimated fair value
Current Price: $181.50
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $189.27
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
ORCL
235.9% Overvalued
Price is 235.9% above estimated fair value
Current Price: $155.52
Strongly undervalued
Strongly overvalued
Fair Value: $46.30
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →EFX
What growth rate is the market pricing in at $182?
+17.6%
Market-Implied Owner Earnings Growth
Standard FCF implies +11.9%
The market implies +17.6% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +11.9%, reflecting heavy growth investment.
ORCL
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →EFX
62/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability 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
71/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by revenue predictability. Reinvestment Efficiency is the area most vulnerable to competitive pressure.
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
Learn more →EFX
-2.83
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
-2.57
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
Learn more →EFX
Insiders 0.7%Institutions 98.7%Retail & Other 0.6%
No. of Institutional Holders1,238
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 40.5%Institutions 44.3%Retail & Other 15.1%
No. of Institutional Holders4,769
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
Learn more →EFX
1
Buys (3M)
1
Buys (12M)
Total value (12M): $464,928
MAO CECILIA H.
Officer
$464,928
@ $193.72 · 2026-02-18
FICHUK KAREN LINN
Director
$99,090
@ $238.77 · 2024-05-09
Open market purchases · includes direct & indirect ownership · excludes option exercises
ORCL
0
Buys (3M)
1
Buys (12M)
Total value (12M): $112,258
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
Learn more →EFX
4
Sells (3M)
10
Sells (12M)
Total value (12M): $30.76M
GAMBLE JOHN W JR
Chief Operating Officer
$880,740
@ $195.72 · 2026-02-23
BORTON CHAD M
Officer
$485,452
@ $191.50 · 2026-02-12
FARSHCHI JAMIL
Chief Technology Officer
$1.45M
@ $196.45 · 2026-02-11
BEGOR MARK W.
Chief Executive Officer
$7.63M
@ $201.89 · 2026-02-10
GAMBLE JOHN W JR
Chief Operating Officer
$520,925
@ $208.37 · 2025-11-20
FARSHCHI JAMIL
Chief Technology Officer
$1.18M
@ $238.94 · 2025-10-27
GAMBLE JOHN W JR
Chief Operating Officer
$742,050
@ $247.35 · 2025-08-18
BEGOR MARK W.
Chief Executive Officer
$11.67M
@ $241.71 · 2025-07-28
GAMBLE JOHN W JR
Chief Operating Officer
$518,200
@ $259.10 · 2025-05-06
BEGOR MARK W.
Chief Executive Officer
$5.69M
@ $256.61 · 2025-04-28
GAMBLE JOHN W JR
Chief Operating Officer
$848,085
@ $242.31 · 2025-02-28
BEGOR MARK W.
Chief Executive Officer
$5.60M
@ $252.63 · 2025-02-13
FARSHCHI JAMIL
Chief Technology Officer
$4.69M
@ $248.18 · 2025-02-12
NELSON LISA M
Officer
$136,995
@ $248.18 · 2025-02-12
FARSHCHI JAMIL
Chief Technology Officer
$3.83M
@ $260.39 · 2024-11-26
NELSON LISA M
Officer
$143,475
@ $260.39 · 2024-11-26
BEGOR MARK W.
Chief Executive Officer
$15.77M
@ $270.49 · 2024-10-25
KELLEY JOHN J III
Officer
$272,920
@ $272.92 · 2024-10-25
KELLEY JOHN J III
Officer
$914,977
@ $304.99 · 2024-08-28
CHANEY CARLA
Officer
$845,544
@ $281.85 · 2024-08-07
CHANEY CARLA
Officer
$838,440
@ $279.48 · 2024-08-01
GAMBLE JOHN W JR
Chief Operating Officer
$373,260
@ $276.49 · 2024-07-30
BEGOR MARK W.
Chief Executive Officer
$15.71M
@ $269.47 · 2024-07-26
HOUSTON JULIA A
Officer
$1.10M
@ $228.63 · 2024-05-31
CHANEY CARLA
Officer
$937,874
@ $228.53 · 2024-05-31
GRIGGS JAMES M.
Officer
$91,483
@ $228.71 · 2024-05-31
GAMBLE JOHN W JR
Chief Operating Officer
$836,732
@ $229.24 · 2024-05-30
HOUSTON JULIA A
Officer
$1.02M
@ $238.63 · 2024-05-24
CHANEY CARLA
Officer
$1.24M
@ $238.63 · 2024-05-24
GRIGGS JAMES M.
Officer
$575,015
@ $238.60 · 2024-05-24
BEGOR MARK W.
Chief Executive Officer
$13.14M
@ $225.45 · 2024-04-26
PLODER RODOLFO O
Officer
$3.18M
@ $225.45 · 2024-04-26
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
ORCL
4
Sells (3M)
22
Sells (12M)
Total value (12M): $1.90B
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
CONRADES GEORGE HENRY
Director
$1.74M
@ $213.49 · 2025-06-17
MAGOUYRK CLAYTON M
Officer
$3.21M
@ $214.10 · 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
SMITH MARIA
Officer
$1.04M
@ $165.00 · 2024-09-16
ELLISON LAWRENCE JOSEPH
Chief Technology Officer
$322.05M
@ $143.13 · 2024-07-16
SCREVEN EDWARD LLOYD
Officer
$60.58M
@ $141.91 · 2024-07-10
SCREVEN EDWARD LLOYD
Officer
$5.22M
@ $140.19 · 2024-06-26
SCREVEN EDWARD LLOYD
Officer
$34.04M
@ $144.30 · 2024-06-20
BOSKIN MICHAEL J
Director
$5.30M
@ $117.74 · 2024-05-07
CONRADES GEORGE HENRY
Director
$2.32M
@ $116.00 · 2024-05-03
CONRADES GEORGE HENRY
Director
$2.90M
@ $116.13 · 2024-05-01
CATZ SAFRA A
Chief Executive Officer
$346.77M
@ $126.10 · 2024-03-27
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
Learn more →EFX
😨Fear(28/100)
"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.
ORCL
😨Fear(39/100)
"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
Learn more →EFX
⚪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 (28)
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 (39)