Compare Stocks › NTRS vs ORCL
Northern Trust Corporation (NTRS) vs Oracle Corporation (ORCL)
NTRS
Northern Trust Corporation
$164.48
VS
ORCL
Oracle Corporation
$171.83
Rewards
NTRS
- ★Free cash flow has grown at a 41.8% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Share count has been reduced by 11% over the past 4 years through buybacks, increasing each share's claim on earnings.
- ★Each dollar of retained earnings has created $1.52 of earning power — management is creating shareholder value.
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
NTRS
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Altman Z-Score of 0.27 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
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 →NTRS
ORCL
Valuation
N/A
Free Cash Flow
$-22.30B
N/A
FCF Yield
-4.51%
17.21
Trailing P/E
30.85
13.95
Forward P/E
21.39
Quality & Moat
12.04%
ROIC
8.22%
N/A
ROE
31.86%
0.00%
Gross Margin
67.08%
0.40
PEG Ratio
1.26
Balance Sheet Safety
N/A
Debt / Equity
4.15
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
4.48
1.95%
Dividend Yield
1.16%
NTRS: 5Ties: 1ORCL: 1
NTRSORCL
Historical Fundamentals
Learn more →NTRS
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 →NTRS
$2.39
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$2.93B
Δ Market Cap
+$7.01B
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 →NTRS
14.5% Margin of Safety
Price is 14.5% below estimated fair value
Current Price: $164.48
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $192.26
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
ORCL
246.9% Overvalued
Price is 246.9% above estimated fair value
Current Price: $171.83
Strongly undervalued
Strongly overvalued
Fair Value: $49.53
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →NTRS
Requires positive FCF to compute implied growth rate.
ORCL
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →NTRS
54/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with reinvestment efficiency 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
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 →NTRS
-2.60
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 →NTRS
Insiders 0.9%Institutions 86.5%Retail & Other 12.6%
No. of Institutional Holders1,251
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 44.1%Retail & Other 15.3%
No. of Institutional Holders4,615
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 →NTRS
1
Buys (3M)
5
Buys (12M)
Total value (12M): $752,920
PETRINO RICHARD
Director
$148,910
@ $148.91 · 2026-02-05
MORITZ ROBERT EDWARD JR.
Director
$37,203
@ $151.85 · 2026-02-02
MORITZ ROBERT EDWARD JR.
Director
$500,266
@ $128.57 · 2025-11-04
MORITZ ROBERT EDWARD JR.
Director
$34,198
@ $126.66 · 2025-10-27
MORITZ ROBERT EDWARD JR.
Director
$32,343
@ $126.34 · 2025-08-13
MORITZ ROBERT EDWARD JR.
Director
$10,261
@ $91.62 · 2025-04-24
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 →NTRS
4
Sells (3M)
13
Sells (12M)
Total value (12M): $8.20M
BELLOWS CLIVE
Officer
$462,056
@ $165.02 · 2026-04-24
FOX DAVID W JR
Chief Financial Officer
$468,362
@ $143.89 · 2026-03-04
FOX DAVID W JR
Chief Financial Officer
$208,872
@ $144.05 · 2026-02-25
BELLOWS CLIVE
Officer
$166,758
@ $145.26 · 2026-02-12
SOUTH THOMAS A
Officer
$695,150
@ $139.03 · 2025-12-11
LANDERS JOHN P.
Officer
$95,252
@ $124.35 · 2025-11-17
LEVY SUSAN COHEN
General Counsel
$3.54M
@ $128.13 · 2025-11-04
PARKER TERESA A
Officer
$997,458
@ $131.21 · 2025-07-31
HALLINAN AENGUS
Officer
$528.00
@ $105.60 · 2025-05-22
CONWAY KELLEY
Officer
$52,640
@ $105.28 · 2025-05-12
FOX DAVID W JR
Chief Financial Officer
$535,772
@ $105.55 · 2025-05-12
PARKER TERESA A
Officer
$650,710
@ $100.62 · 2025-05-09
BELLOWS CLIVE
Officer
$329,835
@ $99.95 · 2025-05-08
SOUTH THOMAS A
Officer
$429,852
@ $113.00 · 2025-02-19
LANDERS JOHN P.
Officer
$100,296
@ $111.44 · 2025-02-04
KARPINSKI JANE B.
Officer
$251,828
@ $111.33 · 2025-02-03
TYLER JASON J
Officer
$252,043
@ $112.67 · 2025-01-30
CHERECWICH PETER B
Chief Operating Officer
$2.94M
@ $112.36 · 2025-01-29
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
ORCL
2
Sells (3M)
22
Sells (12M)
Total value (12M): $1.90B
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
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
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 →NTRS
😏Greed(66/100)
"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(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 →NTRS
⚪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 (66)
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)