Compare Stocks › ORCL vs RF

Oracle Corporation (ORCL) vs Regions Financial Corporation (RF): Which Is the Better Buy in 2026?

As of 2026-11-02, ORCL is undervalued at $131, with a DCF intrinsic value of $385 and a margin of safety of 66%. RF is undervalued at $29, with an intrinsic value of $47 and a margin of safety of 39%. Of the two, ORCL has the wider margin of safety.

ORCL

Oracle Corporation

$130.67

Regions Financial Corporation

$28.57

Rewards

ORCL

★Gross margin of 64.0% 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.

★Regions Financial Corporation scores 84/100 on the Economic Moat Score (Wide Moat), with reinvestment efficiency as the strongest competitive dimension.

Risks

ORCL

⚠Despite buyback spending, shares outstanding increased in 3 out of 4 years — stock-based compensation is offsetting repurchases.
⚠High leverage (1.97x net debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
⚠Altman Z-Score of 1.57 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.

⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
⚠Altman Z-Score of 0.24 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
⚠Free cash flow has declined at a 8.6% CAGR over the past 4 years — a concerning trend.

Key Valuation Metrics

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ORCL

Valuation

$-45.85B

Free Cash Flow

N/A

-11.58%

FCF Yield

N/A

20.48

Trailing P/E

11.20

11.84

Forward P/E

10.03

Quality & Moat

8.55%

ROIC

22.83%

41.19%

ROE

12.38%

63.96%

Gross Margin

0.00%

0.73

PEG Ratio

1.52

Balance Sheet Safety

1.97

Net Debt / Equity

N/A

Interest Coverage

N/A

3.84

Net Debt / EBITDA

N/A

1.53%

Dividend Yield

4.20%

ORCL: 3Ties: 1RF: 4

ORCLRF

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.

$1 Retained Earnings Test

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ORCL

$3.60

created per $1 retained over 3 years

Exceptional Value Creator

Σ Retained

$25.08B

Δ Market Cap

+$90.30B

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

$1.03

created per $1 retained over 3 years

Value Creator

Σ Retained

$3.24B

Δ Market Cap

+$3.35B

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

66.0% Margin of Safety

Price is 66.0% below estimated fair value

Current Price: $130.67

Strongly undervalued

Fairly valued

Strongly overvalued

Fair Value: $384.55

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

39.4% Margin of Safety

Price is 39.4% below estimated fair value

Current Price: $28.57

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $47.17

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.

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.

84/100

Wide Moat

70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by reinvestment efficiency. Margin Stability is the area most vulnerable to competitive pressure.

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.

-2.32

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 38.4%Institutions 43.5%Retail & Other 18.1%

No. of Institutional Holders4,494

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.

Insiders 0.3%Institutions 87.4%Retail & Other 12.3%

No. of Institutional Holders1,466

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)

Total value (12M): $3.48M

RUSCKOWSKI STEPHEN H

Director

$3.48M

@ $139.35 · 2026-09-29

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

Buys (3M)

Buys (12M)

JENKINS ROGER W

Director

$101,906

@ $25.48 · 2025-08-13

JOHNSON JOIA M

Director

$48,702

@ $21.17 · 2025-03-11

SUQUET JOSE S

Director

$57,687

@ $23.96 · 2025-01-29

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): $85.34M

SMITH MARIA

Officer

$399,123

@ $151.70 · 2026-09-22

SICILIA MICHAEL D

Chief Executive Officer

$3.42M

@ $151.59 · 2026-09-22

SICILIA MICHAEL D

Chief Executive Officer

$1.52M

@ $139.94 · 2026-09-16

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

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

Sells (3M)

Sells (12M)

Total value (12M): $1.23M

WILLMAN BRIAN R

Officer

$195,750

@ $27.91 · 2026-05-07

RITTER WILLIAM D

Officer

$1.04M

@ $28.78 · 2026-01-22

KEENAN DAVID R

Officer

$750,279

@ $25.01 · 2025-08-06

WILLMAN BRIAN R

Officer

$174,885

@ $21.37 · 2025-05-08

SUQUET JOSE S

Director

$5,371

@ $23.98 · 2025-02-03

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.

😐Neutral(56/100)

"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)

⚪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 (56)

View ORCL Full Analysis View RF Full Analysis

Frequently Asked Questions: ORCL vs RF

Is Oracle Corporation or Regions Financial Corporation more undervalued in 2026?▼

Based on our discounted cash flow model, ORCL trades at a 66.0% margin of safety (intrinsic value $385 vs. price $131), compared to RF's 39.4% margin of safety (intrinsic $47 vs. $29).

Which stock has a wider economic moat, Oracle Corporation or Regions Financial Corporation?▼

RF scores 84/100 (Wide moat), while ORCL scores 67/100 (Narrow moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Regions Financial Corporation in financial distress?▼

RF's Altman Z-Score of 0.2 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 Regions Financial Corporation?▼

RF earns 22.8% ROIC versus ORCL's 8.5%. 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 Regions Financial Corporation's?▼

RF's dividend earns a safety score of 94/100 (Very Safe), compared to ORCL's 79/100 (Safe). RF has raised its dividend for 3 consecutive years.