Compare Stocks › MMM vs ORCL

3M Company (MMM) vs Oracle Corporation (ORCL): Which Is the Better Buy in 2026?

As of 2026-06-19, MMM is fairly valued at $161, with a DCF intrinsic value of $147 and a margin of safety of -9%. ORCL is undervalued at $184, with an intrinsic value of $285 and a margin of safety of 35%. Of the two, ORCL has the wider margin of safety.

MMM

3M Company

$160.60

ORCL

Oracle Corporation

$184.29

Rewards

MMM

★Altman Z-Score of 4.26 indicates very low bankruptcy risk — the company is firmly in the safe zone.

ORCL

★Oracle Corporation has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
★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 3 years, indicating efficient use of shareholder capital.

Risks

MMM

⚠FCF yield of 2.8% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
⚠Trailing P/E of 30.9x is 74% above the historical average of 17.8x — the stock trades at a premium to its own history.
⚠High leverage (2.21x net debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.

ORCL

⚠Despite buyback spending, shares outstanding increased in 3 out of 4 years — stock-based compensation is offsetting repurchases.
⚠High leverage (2.89x net debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
⚠Insiders have sold $2.6M worth of stock in the past 3 months — significant insider liquidation.

Key Valuation Metrics

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MMM

ORCL

Valuation

$2.32B

Free Cash Flow

$-20.34B

2.77%

FCF Yield

-3.84%

30.94

Trailing P/E

31.56

16.97

Forward P/E

16.89

Quality & Moat

28.04%

ROIC

9.68%

71.46%

ROE

53.38%

39.71%

Gross Margin

65.82%

1.71

PEG Ratio

1.06

Balance Sheet Safety

2.21

Net Debt / Equity

2.89

N/A

Interest Coverage

N/A

1.17

Net Debt / EBITDA

3.92

1.87%

Dividend Yield

1.09%

MMM: 7Ties: 3ORCL: 2

MMMORCL

Historical Fundamentals

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MMM

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

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MMM

N/A

Net losses over 3 years — test not applicable

Company had negative cumulative retained earnings

Σ Retained

$-6.43B

Δ Market Cap

+$29.83B

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

$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

Discounted Cash Flow (DCF) Analysis

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MMM

9.5% Overvalued

Price is 9.5% above estimated fair value

Current Price: $160.60

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $146.72

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

ORCL

35.4% Margin of Safety

Price is 35.4% below estimated fair value

Current Price: $184.29

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $285.39

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Reverse DCF — Market-Implied Growth

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MMM

What growth rate is the market pricing in at $161?

+10.7%

Market-Implied Owner Earnings Growth

Standard FCF implies +16.9%

The market implies +10.7% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +16.9%, reflecting heavy growth investment.

ORCL

Requires positive FCF to compute implied growth rate.

Economic Moat Score

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MMM

45/100

Narrow Moat

70+ Wide · 40-69 Narrow · <40 None

Narrow moat with revenue predictability as the key competitive advantage. Improving margin stability 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

68/100

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

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MMM

-2.28

Unlikely Manipulator

Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

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

Ownership Breakdown

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MMM

Insiders 0.1%Institutions 77.5%Retail & Other 22.4%

No. of Institutional Holders2,759

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 44.0%Retail & Other 15.5%

No. of Institutional Holders4,512

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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MMM

Buys (3M)

Buys (12M)

GORALSKI CHRISTIAN T JR

Officer

$1,822

@ $107.18 · 2024-10-23

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

ORCL

Buys (3M)

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

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MMM

Sells (3M)

Sells (12M)

Total value (12M): $18.13M

REINSETH THERESA E

Officer

$888,796

@ $172.75 · 2026-02-11

DICKSON ZOE L

Officer

$4.27M

@ $170.34 · 2026-02-09

DICKSON ZOE L

Officer

$3.49M

@ $169.97 · 2026-02-09

CHAVEZ RODRIGUEZ BEATRIZ KARINA

Officer

$203,645

@ $171.13 · 2026-02-09

DICKSON ZOE L

Officer

$2.35M

@ $169.78 · 2025-11-13

DICKSON ZOE L

Officer

$2.31M

@ $169.82 · 2025-11-13

MURPHY MARK W

Chief Technology Officer

$3.17M

@ $166.55 · 2025-10-29

GORALSKI CHRISTIAN T JR

President

$925,860

@ $150.18 · 2025-08-07

REINSETH THERESA E

Officer

$523,741

@ $150.63 · 2025-08-05

BANOVETZ JOHN PATRICK

Officer

$1.15M

@ $148.37 · 2025-05-23

RHODES KEVIN H

Officer

$1.23M

@ $154.02 · 2025-05-20

DICKSON ZOE L

Officer

$1.18M

@ $149.02 · 2025-05-15

CLARKE VICTORIA

Officer

$269,878

@ $154.22 · 2025-01-31

ROMAN MICHAEL F

Chairman of the Board

$7.55M

@ $152.30 · 2025-01-29

BANOVETZ JOHN PATRICK

Officer

$726,249

@ $151.36 · 2025-01-27

DICKSON ZOE L

Officer

$542,957

@ $149.41 · 2025-01-27

CHAVEZ RODRIGUEZ BEATRIZ KARINA

President

$247,163

@ $150.25 · 2025-01-27

RHODES KEVIN H

Officer

$1.01M

@ $149.85 · 2025-01-27

REINSETH THERESA E

Officer

$346,241

@ $149.95 · 2025-01-24

ROMAN MICHAEL F

Chairman of the Board

$6.79M

@ $150.01 · 2025-01-24

GORALSKI CHRISTIAN T JR

Officer

$944,070

@ $149.43 · 2025-01-24

REINSETH THERESA E

Officer

$131,925

@ $127.71 · 2024-11-20

ROMAN MICHAEL F

Chairman of the Board

$700,608

@ $123.46 · 2024-08-07

REINSETH THERESA E

Chief Financial Officer

$260,652

@ $124.12 · 2024-08-06

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

ORCL

Sells (3M)

Sells (12M)

Total value (12M): $1.89B

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

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

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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MMM

😏Greed(62/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

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(32/100)

"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

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MMM

⚪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: Greed (62)

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 (32)

View MMM Full Analysis View ORCL Full Analysis

Frequently Asked Questions: MMM vs ORCL

Is 3M Company or Oracle Corporation more undervalued in 2026?▼

Based on our discounted cash flow model, ORCL trades at a 35.4% margin of safety (intrinsic value $285 vs. price $184), compared to MMM's -9.5% margin of safety (intrinsic $147 vs. $161).

Which stock has a wider economic moat, 3M Company or Oracle Corporation?▼

ORCL scores 68/100 (Narrow moat), while MMM scores 45/100 (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 2.7 places it in the Grey zone, signaling elevated bankruptcy risk. MMM scores 4.3 (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 company has better free cash flow, 3M Company or Oracle Corporation?▼

3M Company (MMM) generates a 2.8% free cash flow yield, compared to Oracle Corporation's -3.8%. 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, 3M Company or Oracle Corporation?▼

MMM earns 28.0% ROIC versus ORCL's 9.7%. 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, 3M Company's or Oracle Corporation's?▼

ORCL's dividend earns a safety score of 79/100 (Safe), compared to MMM's 55/100 (Borderline). ORCL has raised its dividend for 3 consecutive years.