Compare Stocks › ORCL vs SYF
Oracle Corporation (ORCL) vs Synchrony Financial (SYF)
ORCL
Oracle Corporation
$155.52
VS
SYF
Synchrony Financial
$65.51
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.
SYF
- ★Free cash flow has grown at a 13.7% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Share count has been reduced by 21% over the past 4 years through buybacks, increasing each share's claim on earnings.
- ★Each dollar of retained earnings has created $1.86 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.
SYF
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Synchrony Financial scores only 9/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
- ⚠Altman Z-Score of 0.58 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
Key Valuation Metrics
Learn more →ORCL
SYF
Valuation
$-22.30B
Free Cash Flow
N/A
-4.99%
FCF Yield
N/A
27.92
Trailing P/E
7.06
19.51
Forward P/E
6.27
Quality & Moat
8.22%
ROIC
24.64%
31.86%
ROE
N/A
67.08%
Gross Margin
0.00%
1.14
PEG Ratio
0.91
Balance Sheet Safety
4.15
Debt / Equity
N/A
N/A
Interest Coverage
N/A
4.48
Net Debt / EBITDA
N/A
1.29%
Dividend Yield
1.83%
ORCL: 1Ties: 1SYF: 5
ORCLSYF
Historical Fundamentals
Learn more →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.
SYF
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 →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
SYF
$1.86
created per $1 retained over 3 years
Value Creator
Σ Retained
$7.86B
Δ Market Cap
+$14.58B
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 →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
SYF
77.4% Margin of Safety
Price is 77.4% below estimated fair value
Current Price: $65.51
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $289.61
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →ORCL
Requires positive FCF to compute implied growth rate.
SYF
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →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.
SYF
9/100
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.
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 →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.
SYF
-2.82
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 →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.
SYF
Insiders 0.4%Institutions 107.3%
No. of Institutional Holders1,398
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 →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
SYF
0
Buys (3M)
0
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
Learn more →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
SYF
15
Sells (3M)
26
Sells (12M)
Total value (12M): $47.67M
WENZEL BRIAN J SR.
Chief Financial Officer
$4.49M
@ $67.32 · 2026-03-03
HOWSE CURTIS
Officer
$533,690
@ $67.71 · 2026-03-02
JUEL CAROL D
Chief Technology Officer
$1.14M
@ $67.71 · 2026-03-02
DOUBLES BRIAN D
Chief Executive Officer
$14.94M
@ $68.68 · 2026-03-02
CASELLAS ALBERTO B
Officer
$974,956
@ $67.71 · 2026-03-02
SCHALLER BARTON W
Officer
$878,876
@ $67.71 · 2026-03-02
OWENS DARRELL
Officer
$261,699
@ $67.71 · 2026-03-02
GENTLEMAN COURTNEY
Officer
$293,726
@ $67.71 · 2026-03-02
JUEL CAROL D
Chief Operating Officer
$3.14M
@ $70.60 · 2026-02-17
CASELLAS ALBERTO B
Officer
$2.93M
@ $70.60 · 2026-02-17
SCHALLER BARTON W
Officer
$2.49M
@ $70.60 · 2026-02-17
OWENS DARRELL
Officer
$727,462
@ $70.60 · 2026-02-17
GENTLEMAN COURTNEY
Officer
$850,377
@ $70.60 · 2026-02-17
HOWSE CURTIS
Officer
$3.80M
@ $72.32 · 2026-02-02
COVIELLO ARTHUR W JR
Director
$289,280
@ $72.32 · 2026-02-02
MOTHNER JONATHAN S
Officer
$2.33M
@ $72.80 · 2025-11-17
HOWSE CURTIS
Officer
$894,606
@ $74.02 · 2025-11-03
OWENS DARRELL
Officer
$221,246
@ $74.02 · 2025-11-03
COVIELLO ARTHUR W JR
Director
$591,440
@ $73.93 · 2025-11-03
WENZEL BRIAN J SR.
Chief Financial Officer
$595,980
@ $70.00 · 2025-08-05
NAYLOR JEFFREY G
Director
$1.38M
@ $68.75 · 2025-08-05
OWENS DARRELL
Officer
$40,770
@ $67.95 · 2025-08-04
GENTLEMAN COURTNEY
Officer
$48,177
@ $67.95 · 2025-08-04
HOWSE CURTIS
Officer
$739,700
@ $65.00 · 2025-06-24
NAYLOR JEFFREY G
Director
$650,000
@ $65.00 · 2025-06-24
MOTHNER JONATHAN S
Officer
$2.44M
@ $60.07 · 2025-05-19
WENZEL BRIAN J SR.
Chief Financial Officer
$3.76M
@ $60.01 · 2025-03-03
HOWSE CURTIS
Officer
$2.04M
@ $60.01 · 2025-03-03
JUEL CAROL D
Officer
$5.41M
@ $59.19 · 2025-03-03
CASELLAS ALBERTO B
Officer
$3.48M
@ $60.01 · 2025-03-03
SCHALLER BARTON W
Officer
$4.45M
@ $59.18 · 2025-03-03
OWENS DARRELL
Officer
$664,611
@ $60.01 · 2025-03-03
GENTLEMAN COURTNEY
Officer
$600,700
@ $60.01 · 2025-03-03
DOUBLES BRIAN D
Chief Executive Officer
$8.94M
@ $60.09 · 2025-02-28
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 →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.
SYF
😨Fear(40/100)
"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 →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)
SYF
⚪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)