Compare Stocks › NVR vs ORCL
NVR, Inc. (NVR) vs Oracle Corporation (ORCL)
NVR
NVR, Inc.
$6417.90
VS
ORCL
Oracle Corporation
$155.52
Rewards
NVR
- ★NVR, Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
- ★Share count has been reduced by 13% over the past 4 years through buybacks, increasing each share's claim on earnings.
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
NVR
- ⚠Gross margin of 22.9% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠FCF yield of 6.4% suggests reasonable valuation assuming continued moderate growth.
- ⚠Insiders have sold $9.0M 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 →NVR
ORCL
Valuation
$1.16B
Free Cash Flow
$-22.30B
6.38%
FCF Yield
-4.99%
14.71
Trailing P/E
27.92
14.21
Forward P/E
19.51
Quality & Moat
28.86%
ROIC
8.22%
34.67%
ROE
31.86%
22.89%
Gross Margin
67.08%
N/A
PEG Ratio
1.14
Balance Sheet Safety
0.28
Debt / Equity
4.15
N/A
Interest Coverage
N/A
-0.43
Net Debt / EBITDA
4.48
N/A
Dividend Yield
1.29%
NVR: 8Ties: 1ORCL: 1
NVRORCL
Historical Fundamentals
Learn more →NVR
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 →NVR
$1.21
created per $1 retained over 3 years
Value Creator
Σ Retained
$4.61B
Δ Market Cap
+$5.57B
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 →NVR
56.3% Margin of Safety
Price is 56.3% below estimated fair value
Current Price: $6417.90
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $14679.61
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 →NVR
What growth rate is the market pricing in at $6418?
+1.8%
Market-Implied Owner Earnings Growth
Standard FCF implies +3.8%
The market implies +1.8% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +3.8%, reflecting heavy growth investment.
ORCL
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →NVR
68/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with roic consistency as the key competitive advantage. Improving revenue predictability 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 →NVR
-2.11
Possible 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 →NVR
Insiders 5.3%Institutions 88.7%Retail & Other 6.0%
No. of Institutional Holders1,025
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 Holders4,767
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 →NVR
0
Buys (3M)
1
Buys (12M)
Total value (12M): $98,953
DEVITO MICHAEL J.
Director
$98,953
@ $7068.07 · 2025-11-03
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 →NVR
4
Sells (3M)
8
Sells (12M)
Total value (12M): $16.88M
ROSS SUSAN WILLIAMSON
Director
$1.58M
@ $7922.06 · 2026-02-13
KELPY MATTHEW B. CPA
Officer
$4.05M
@ $8100.00 · 2026-02-10
ROSS SUSAN WILLIAMSON
Director
$1.62M
@ $8091.62 · 2026-02-05
ROSS SUSAN WILLIAMSON
Director
$1.76M
@ $8000.00 · 2026-02-04
JUNG ALEXANDRA A
Director
$1.62M
@ $8082.44 · 2025-08-26
JUNG ALEXANDRA A
Director
$411,587
@ $8231.74 · 2025-08-22
KELPY MATTHEW B. CPA
Officer
$4.86M
@ $8100.00 · 2025-08-13
ROSS SUSAN WILLIAMSON
Director
$981,285
@ $7850.28 · 2025-08-04
ECKERT THOMAS D
Director
$3.76M
@ $7529.89 · 2025-02-11
ECKERT THOMAS D
Director
$1.07M
@ $7515.60 · 2025-02-10
PREISER DAVID A
Director
$2.33M
@ $9302.64 · 2024-11-08
ECKERT THOMAS D
Director
$9.22M
@ $9216.32 · 2024-11-07
KELPY MATTHEW B. CPA
Officer
$3.78M
@ $9450.00 · 2024-11-05
KELPY MATTHEW B. CPA
Officer
$1.19M
@ $9507.30 · 2024-10-24
KELPY MATTHEW B. CPA
Officer
$1.70M
@ $8500.00 · 2024-08-09
MARTINEZ MELQUIADES R
Director
$1.05M
@ $8372.77 · 2024-08-08
FESTA ALFRED E
Director
$1.27M
@ $8585.95 · 2024-07-29
ROSS SUSAN WILLIAMSON
Director
$1.06M
@ $8505.91 · 2024-07-26
KELPY MATTHEW B. CPA
Officer
$5.76M
@ $8538.89 · 2024-07-26
SAVILLE PAUL C
Officer
$2.30M
@ $7670.42 · 2024-05-09
ROSIER WILLIAM GRADY
Director
$4.60M
@ $7665.63 · 2024-05-08
KELPY MATTHEW B. CPA
Officer
$1.54M
@ $7700.00 · 2024-05-07
PREISER DAVID A
Director
$3.79M
@ $7586.21 · 2024-04-29
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 →NVR
😨Fear(31/100)
"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 →NVR
⚪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 (31)
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)