Compare Stocks › ORCL vs PFE

Oracle Corporation (ORCL) vs Pfizer, Inc. (PFE): Which Is the Better Buy in 2026?

As of 2026-08-03, ORCL is undervalued at $130, with a DCF intrinsic value of $404 and a margin of safety of 68%. PFE is undervalued at $25, with an intrinsic value of $127985960274 and a margin of safety of 100%. Of the two, PFE has the wider margin of safety.

ORCL

Oracle Corporation

$129.87

PFE

Pfizer, Inc.

$25.01

Rewards

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.

PFE

★Gross margin of 74.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
★Trailing P/E of 19.1x is 37% below the historical average of 30.4x — potentially undervalued relative to its own history.

Risks

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.

PFE

⚠ROIC has declined by 15.9 percentage points over the past 4 years, which may signal competitive erosion.
⚠PEG ratio of 2.94 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
⚠Altman Z-Score of 1.38 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.

Key Valuation Metrics

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ORCL

PFE

Valuation

$-24.54B

Free Cash Flow

$12.38B

-6.56%

FCF Yield

N/A

22.28

Trailing P/E

19.09

11.93

Forward P/E

8.85

Quality & Moat

9.15%

ROIC

10.19%

53.38%

ROE

8.31%

65.82%

Gross Margin

74.80%

0.73

PEG Ratio

2.94

Balance Sheet Safety

3.15

Net Debt / Equity

0.57

N/A

Interest Coverage

N/A

4.44

Net Debt / EBITDA

2.03

1.54%

Dividend Yield

6.88%

ORCL: 2Ties: 1PFE: 8

ORCLPFE

Historical Fundamentals

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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. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

PFE

$1 Retained Earnings Test

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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

PFE

N/A

Net losses over 3 years — test not applicable

Company had negative cumulative retained earnings

Σ Retained

$-10.61B

Δ Market Cap

$-26.34

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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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

PFE

100.0% Margin of Safety

Price is 100.0% below estimated fair value

Current Price: $25.01

Strongly undervalued

Fairly valued

Strongly overvalued

Fair Value: $127985960274.09

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Reverse DCF — Market-Implied Growth

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ORCL

Requires positive FCF to compute implied growth rate.

PFE

What growth rate is the market pricing in at $25?

-14.2%

Market-Implied Owner Earnings Growth

Standard FCF implies -15.0%

The market implies -14.2% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding -15.0%, reflecting heavy growth investment.

Economic Moat Score

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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.

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.

PFE

35/100

No Moat

70+ Wide · 40-69 Narrow · <40 None

No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.

Forensic Accounting

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ORCL

-2.58

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.

PFE

-2.53

Unlikely Manipulator

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

M-Score Trend

Ownership Breakdown

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ORCL

Insiders 40.5%Institutions 43.9%Retail & Other 15.6%

No. of Institutional Holders4,502

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.

PFE

Insiders 0.1%Institutions 69.5%Retail & Other 30.4%

No. of Institutional Holders3,661

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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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

PFE

Buys (3M)

Buys (12M)

BLAYLOCK RONALD E

Director

$499,072

@ $25.65 · 2025-02-13

GOTTLIEB SCOTT

Director

$28,240

@ $28.24 · 2024-10-30

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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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

PFE

Sells (3M)

Sells (12M)

Total value (12M): $51,400

DAMICO JENNIFER B.

Officer

$51,400

@ $25.70 · 2026-06-09

DAMICO JENNIFER B.

Officer

$64,825

@ $25.93 · 2025-03-04

DAMICO JENNIFER B.

Officer

$147,714

@ $28.66 · 2024-08-13

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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ORCL

😨Fear(33/100)

"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.

PFE

😐Neutral(52/100)

"Market is pricing this stock without strong emotion in either direction"

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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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)

PFE

⚪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: Neutral (52)

View ORCL Full Analysis View PFE Full Analysis

Frequently Asked Questions: ORCL vs PFE

Is Oracle Corporation or Pfizer, Inc. more undervalued in 2026?▼

Based on our discounted cash flow model, PFE trades at a 100.0% margin of safety (intrinsic value $127985960274 vs. price $25), compared to ORCL's 67.8% margin of safety (intrinsic $404 vs. $130).

Which stock has a wider economic moat, Oracle Corporation or Pfizer, Inc.?▼

ORCL scores 67/100 (Narrow moat), while PFE scores 35/100 (None moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Pfizer, Inc. in financial distress?▼

PFE's Altman Z-Score of 1.4 places it in the Distress zone, signaling elevated bankruptcy risk. ORCL scores 1.6 (Distress 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, Oracle Corporation or Pfizer, Inc.?▼

PFE earns 10.2% 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, Oracle Corporation's or Pfizer, Inc.'s?▼

ORCL's dividend earns a safety score of 79/100 (Safe), compared to PFE's 24/100 (Unsafe). ORCL has raised its dividend for 3 consecutive years.