Oracle Corporation (ORCL) vs Raymond James Financial, Inc. (RJF) Stock Comparison

Compare Stocks › ORCL vs RJF

ORCL

Oracle Corporation

$155.52

RJF

Raymond James Financial, Inc.

$142.87

Rewards

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.

RJF

★Gross margin of 93.0% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
★Each dollar of retained earnings has created $1.84 of market value — management is creating shareholder value.

Risks

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.

RJF

⚠Altman Z-Score of 0.62 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.

Key Valuation Metrics

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ORCL

RJF

Valuation

$-22.30B

Free Cash Flow

N/A

-4.99%

FCF Yield

N/A

27.92

Trailing P/E

13.97

19.51

Forward P/E

10.40

Quality & Moat

8.22%

ROIC

12.06%

31.86%

ROE

16.94%

67.08%

Gross Margin

92.98%

1.14

PEG Ratio

N/A

Balance Sheet Safety

4.15

Debt / Equity

0.46

N/A

Interest Coverage

N/A

4.48

Net Debt / EBITDA

N/A

1.29%

Dividend Yield

1.51%

ORCL: 1Ties: 1RJF: 6

ORCLRJF

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.

RJF

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

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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

RJF

$1.84

created per $1 retained over 3 years

Value Creator

Σ Retained

$4.79B

Δ Market Cap

+$8.83B

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

Discounted Cash Flow (DCF) Analysis

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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

RJF

62.1% Margin of Safety

Price is 62.1% below estimated fair value

Current Price: $142.87

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $376.90

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.

RJF

Requires positive FCF to compute implied growth rate.

Economic Moat Score

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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.

RJF

37/100

No Moat

70+ Wide · 40-69 Narrow · <40 None

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

Forensic Accounting

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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.

RJF

-2.56

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 44.3%Retail & Other 15.1%

No. of Institutional Holders4,769

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.

RJF

Insiders 10.3%Institutions 79.4%Retail & Other 10.2%

No. of Institutional Holders1,280

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): $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

RJF

Buys (3M)

Buys (12M)

No open market insider purchases found.

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): $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

RJF

Sells (3M)

Sells (12M)

Total value (12M): $23.55M

SANTELLI JONATHAN N

General Counsel

$767,079

@ $170.46 · 2026-02-04

REILLY PAUL C

Officer and Director

$21.32M

@ $163.15 · 2025-12-15

ALLAIRE BELLA LOYKHTER

Officer

$963,228

@ $146.61 · 2025-05-29

BUNN JAMES E.

Officer

$498,184

@ $136.49 · 2025-04-28

SANTELLI JONATHAN N

General Counsel

$699,932

@ $168.25 · 2025-01-31

ELWYN TASHTEGO S

Officer

$1.59M

@ $159.47 · 2024-12-13

SANTELLI JONATHAN N

General Counsel

$513,318

@ $165.59 · 2024-12-05

CARTER HORACE

Officer

$825,147

@ $165.03 · 2024-12-04

REID SHANNON B

Officer

$205,141

@ $165.30 · 2024-12-04

LARSON KATHERINE H.

Officer

$247,691

@ $166.01 · 2024-12-03

ALLAIRE BELLA LOYKHTER

Officer

$769,791

@ $166.59 · 2024-12-03

RANEY STEVEN M

Officer

$2.34M

@ $169.02 · 2024-12-02

REILLY PAUL C

Chief Executive Officer

$8.37M

@ $167.30 · 2024-12-02

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(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.

RJF

😨Fear(40/100)

"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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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)

RJF

⚪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 (40)

View ORCL Full Analysis View RJF Full Analysis