Compare Stocks › KR vs ORCL

Kroger Company (The) (KR) vs Oracle Corporation (ORCL): Which Is the Better Buy in 2026?

As of 2026-08-03, KR is overvalued at $58, with a DCF intrinsic value of $0 and a margin of safety of -100%. ORCL is undervalued at $130, with an intrinsic value of $404 and a margin of safety of 68%. Of the two, ORCL has the wider margin of safety.

Kroger Company (The)

$57.74

ORCL

Oracle Corporation

$129.87

Rewards

★Free cash flow has grown at a 34.5% CAGR over the past 4 years, demonstrating strong earnings power growth.
★PEG ratio of 0.56 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
★Altman Z-Score of 3.80 indicates very low bankruptcy risk — the company is firmly in the safe zone.

ORCL

★Gross margin of 65.8% 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

⚠ROIC has declined by 5.2 percentage points over the past 4 years, which may signal competitive erosion.
⚠Gross margin of 24.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
⚠Trailing P/E of 33.8x is 51% above the historical average of 22.3x — the stock trades at a premium to its own history.

ORCL

⚠Despite buyback spending, shares outstanding increased in 3 out of 4 years — stock-based compensation is offsetting repurchases.
⚠High leverage (3.15x net debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
⚠Net debt/EBITDA of 4.4x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.

Key Valuation Metrics

Learn more →

ORCL

Valuation

$2.99B

Free Cash Flow

$-24.54B

N/A

FCF Yield

-6.56%

33.77

Trailing P/E

22.28

10.42

Forward P/E

11.93

Quality & Moat

12.34%

ROIC

9.15%

13.78%

ROE

53.38%

23.98%

Gross Margin

65.82%

0.56

PEG Ratio

0.73

Balance Sheet Safety

3.29

Net Debt / Equity

3.15

N/A

Interest Coverage

N/A

2.64

Net Debt / EBITDA

4.44

2.49%

Dividend Yield

1.54%

KR: 6Ties: 2ORCL: 3

KRORCL

Historical Fundamentals

Learn more →

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

$1 Retained Earnings Test

Learn more →

$0.00

created per $1 retained over 3 years

Value Destroyer

Σ Retained

$3.28B

Δ Market Cap

+$12.03

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

$3.51

created per $1 retained over 3 years

Exceptional Value Creator

Σ Retained

$25.08B

Δ Market Cap

+$87.99B

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 →

Insufficient Data

Enter initial FCF to calculate intrinsic value

Current Price: $57.74

Strongly undervalued

Strongly overvalued

Fair Value: $0.00

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

ORCL

67.8% Margin of Safety

Price is 67.8% below estimated fair value

Current Price: $129.87

Strongly undervalued

Fairly valued

Strongly overvalued

Fair Value: $403.51

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Reverse DCF — Market-Implied Growth

Learn more →

What growth rate is the market pricing in at $58?

+7.5%

Market-Implied Owner Earnings Growth

Standard FCF implies -6.8%

The market implies +7.5% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding -6.8%, reflecting heavy growth investment.

ORCL

Requires positive FCF to compute implied growth rate.

Economic Moat Score

Learn more →

56/100

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

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.

Forensic Accounting

Learn more →

-3.11

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

Ownership Breakdown

Learn more →

Insiders 8.5%Institutions 81.8%Retail & Other 9.7%

No. of Institutional Holders1,783

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 43.9%Retail & Other 15.6%

No. of Institutional Holders4,502

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

Insider Buying Activity

Learn more →

Buys (3M)

Buys (12M)

No open market insider purchases found.

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

ORCL

Buys (3M)

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

Learn more →

Sells (3M)

Sells (12M)

Total value (12M): $1.76M

COSSET YAEL

Officer

$1.76M

@ $58.80 · 2026-07-14

MOORE CLYDE R

Director

$272,834

@ $71.61 · 2025-07-16

MOORE CLYDE R

Director

$1.89M

@ $70.50 · 2025-07-11

ADCOCK MARY ELLEN

Officer

$2.44M

@ $71.16 · 2025-06-27

ARREAGA GABRIEL

Officer

$2.75M

@ $72.44 · 2025-06-25

FIKE CARIN L

Officer and Treasurer

$1.22M

@ $73.79 · 2025-06-23

MASSA TIMOTHY A

Officer

$622,710

@ $74.00 · 2025-06-23

COSSET YAEL

Officer

$5.23M

@ $73.49 · 2025-06-23

WHEATLEY CHRISTINE STRICK

Officer

$2.16M

@ $72.07 · 2025-04-23

MASSA TIMOTHY A

Officer

$1.65M

@ $73.00 · 2025-04-22

COSSET YAEL

Officer

$2.19M

@ $73.00 · 2025-04-22

ARREAGA GABRIEL

Officer

$995,866

@ $71.82 · 2025-04-21

NICHOLS BRIAN W

Officer

$72,030

@ $72.03 · 2025-04-21

FOLEY TODD A

Officer

$989,442

@ $70.67 · 2025-04-17

JABBAR VALERIE L

Officer

$2.16M

@ $69.08 · 2025-04-16

WHEATLEY CHRISTINE STRICK

Officer

$2.08M

@ $69.44 · 2025-04-04

KIMBALL KENNETH C.

Officer

$719,081

@ $65.37 · 2025-03-21

ARREAGA GABRIEL

Officer

$1.05M

@ $65.63 · 2025-03-19

NICHOLS BRIAN W

Officer

$94,933

@ $65.88 · 2025-03-17

COSSET YAEL

Chief Technology Officer

$1.17M

@ $66.19 · 2025-03-17

COSSET YAEL

Chief Technology Officer

$691,190

@ $65.76 · 2025-03-14

NICHOLS BRIAN W

Officer

$86,723

@ $66.71 · 2025-03-13

MASSA TIMOTHY A

Officer

$1.97M

@ $66.56 · 2025-03-13

ADCOCK MARY ELLEN

Officer

$6.90M

@ $66.39 · 2025-03-13

COSSET YAEL

Chief Investment Officer

$7.84M

@ $68.08 · 2025-03-10

FOLEY TODD A

Chief Financial Officer

$1.87M

@ $66.62 · 2025-03-07

FOLEY TODD A

Chief Financial Officer

$1.04M

@ $61.44 · 2024-12-19

AITKEN STUART W

Officer

$8.38M

@ $63.18 · 2024-12-12

COSSET YAEL

Chief Technology Officer

$1.17M

@ $58.39 · 2024-12-10

COSSET YAEL

Chief Technology Officer

$1.76M

@ $58.54 · 2024-12-09

MASSA TIMOTHY A

Officer

$1.56M

@ $60.12 · 2024-12-06

NICHOLS BRIAN W

Officer

$386,248

@ $55.80 · 2024-10-07

JABBAR VALERIE L

Officer

$167,730

@ $55.91 · 2024-09-23

FIKE CARIN L

Officer and Treasurer

$167,269

@ $55.57 · 2024-09-17

NICHOLS BRIAN W

Officer

$222,800

@ $55.70 · 2024-09-17

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

ORCL

Sells (3M)

Sells (12M)

Total value (12M): $126.77M

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

SMITH MARIA

Officer

$1.04M

@ $165.00 · 2024-09-16

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 →

😨Fear(38/100)

"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(33/100)

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

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 →

⚪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 (38)

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 (33)

View KR Full Analysis View ORCL Full Analysis

Frequently Asked Questions: KR vs ORCL

Is Kroger Company (The) or Oracle Corporation more undervalued in 2026?▼

Based on our discounted cash flow model, ORCL trades at a 67.8% margin of safety (intrinsic value $404 vs. price $130), compared to KR's -100.0% margin of safety (intrinsic $0 vs. $58).

Which stock has a wider economic moat, Kroger Company (The) or Oracle Corporation?▼

ORCL scores 67/100 (Narrow moat), while KR scores 56/100 (Narrow moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Oracle Corporation in financial distress?▼

ORCL's Altman Z-Score of 1.6 places it in the Distress zone, signaling elevated bankruptcy risk. KR scores 3.8 (Safe zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

Which stock has higher return on invested capital, Kroger Company (The) or Oracle Corporation?▼

KR earns 12.3% ROIC versus ORCL's 9.2%. 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, Kroger Company (The)'s or Oracle Corporation's?▼

ORCL's dividend earns a safety score of 79/100 (Safe), compared to KR's 64/100 (Safe). ORCL has raised its dividend for 3 consecutive years.