Compare Stocks › ORCL vs TYL
Oracle Corporation (ORCL) vs Tyler Technologies, Inc. (TYL)
ORCL
Oracle Corporation
$171.83
VS
TYL
Tyler Technologies, Inc.
$335.50
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.
TYL
- ★Free cash flow has grown at a 23.3% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $2.26 of earning power — management is an exceptional capital allocator.
- ★Trailing P/E of 46.3x is 46% below the historical average of 85.7x — 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 (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.
TYL
- ⚠PEG ratio of 21.03 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
Key Valuation Metrics
Learn more →ORCL
TYL
Valuation
$-22.30B
Free Cash Flow
$541.55M
-4.51%
FCF Yield
3.83%
30.85
Trailing P/E
46.28
21.39
Forward P/E
23.36
Quality & Moat
8.22%
ROIC
8.49%
31.86%
ROE
8.87%
67.08%
Gross Margin
46.75%
1.26
PEG Ratio
21.03
Balance Sheet Safety
4.15
Debt / Equity
0.01
N/A
Interest Coverage
N/A
4.48
Net Debt / EBITDA
-0.66
1.16%
Dividend Yield
N/A
ORCL: 5Ties: 2TYL: 4
ORCLTYL
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.
TYL
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
TYL
$8.20
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$744.5M
Δ Market Cap
+$6.10B
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
246.9% Overvalued
Price is 246.9% above estimated fair value
Current Price: $171.83
Strongly undervalued
Strongly overvalued
Fair Value: $49.53
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
TYL
44.9% Overvalued
Price is 44.9% above estimated fair value
Current Price: $335.50
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $231.59
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →ORCL
Requires positive FCF to compute implied growth rate.
TYL
What growth rate is the market pricing in at $336?
+18.4%
Market-Implied Owner Earnings Growth
Standard FCF implies +11.0%
The market implies +18.4% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +11.0%, reflecting heavy growth investment expected to generate future returns.
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.
TYL
62/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency 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.
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.
TYL
-2.70
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 44.1%Retail & Other 15.3%
No. of Institutional Holders4,615
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.
TYL
Insiders 0.5%Institutions 102.9%
No. of Institutional Holders1,150
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
TYL
2
Buys (3M)
2
Buys (12M)
Total value (12M): $694,152
TEED ANDREW D.
Director
$495,856
@ $309.91 · 2026-02-23
DIAZ-PEDROSA ABIGAIL MARSHALL
Officer
$198,296
@ $325.08 · 2026-02-20
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
2
Sells (3M)
22
Sells (12M)
Total value (12M): $1.90B
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
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
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
TYL
3
Sells (3M)
27
Sells (12M)
Total value (12M): $36.90M
CARTER GLENN A.
Director
$567,003
@ $349.14 · 2026-03-12
PUCKETT JEFFREY DAVID
Chief Operating Officer
$1.91M
@ $369.93 · 2026-03-05
POPE DANIEL M
Director
$177,700
@ $355.40 · 2026-03-02
MILLER BRIAN K.
Chief Financial Officer
$448,510
@ $448.51 · 2025-12-15
MILLER BRIAN K.
Chief Financial Officer
$458,650
@ $458.65 · 2025-12-12
CARTER GLENN A.
Director
$229,364
@ $458.73 · 2025-12-12
MILLER BRIAN K.
Chief Financial Officer
$469,080
@ $469.08 · 2025-11-25
CARTER GLENN A.
Director
$403,725
@ $538.30 · 2025-09-15
MARR JOHN S JR
Officer and Director
$2.24M
@ $560.65 · 2025-09-09
MARR JOHN S JR
Officer and Director
$2.36M
@ $555.53 · 2025-08-28
MOORE HORACE LYNN JR.
Chief Executive Officer
$3.09M
@ $588.89 · 2025-08-11
CLINE BRENDA A
Director
$1.54M
@ $616.65 · 2025-08-06
MOORE HORACE LYNN JR.
Chief Executive Officer
$3.05M
@ $580.77 · 2025-07-31
MILLER BRIAN K.
Chief Financial Officer
$696,866
@ $580.72 · 2025-06-13
MILLER BRIAN K.
Chief Financial Officer
$613,041
@ $587.20 · 2025-06-12
MILLER BRIAN K.
Chief Financial Officer
$703,101
@ $585.92 · 2025-06-10
MOORE HORACE LYNN JR.
Chief Executive Officer
$3.07M
@ $585.18 · 2025-06-10
MARR JOHN S JR
Officer and Director
$2.29M
@ $572.41 · 2025-06-09
MILLER BRIAN K.
Chief Financial Officer
$693,187
@ $577.66 · 2025-06-06
DIAZ-PEDROSA ABIGAIL MARSHALL
Officer
$215,100
@ $573.60 · 2025-06-05
MARR JOHN S JR
Officer and Director
$1.65M
@ $572.51 · 2025-05-30
MILLER BRIAN K.
Chief Financial Officer
$1.89M
@ $568.46 · 2025-05-23
MARR JOHN S JR
Officer and Director
$2.27M
@ $568.66 · 2025-05-22
MILLER BRIAN K.
Chief Financial Officer
$1.04M
@ $576.65 · 2025-05-16
CLINE BRENDA A
Director
$1.44M
@ $577.42 · 2025-05-16
MARR JOHN S JR
Officer and Director
$2.79M
@ $558.86 · 2025-05-09
MILLER BRIAN K.
Chief Financial Officer
$575,639
@ $557.79 · 2025-05-07
POPE DANIEL M
Director
$200,750
@ $550.00 · 2025-05-02
MARR JOHN S JR
Officer and Director
$3.71M
@ $619.00 · 2025-03-06
MILLER BRIAN K.
Chief Financial Officer
$950,904
@ $613.88 · 2025-03-04
PUCKETT JEFFREY DAVID
Chief Operating Officer
$5.17M
@ $608.53 · 2025-02-28
MOORE HORACE LYNN JR.
Chief Executive Officer
$4.02M
@ $617.59 · 2025-02-26
MOORE HORACE LYNN JR.
Chief Executive Officer
$4.92M
@ $614.54 · 2025-02-25
MILLER BRIAN K.
Chief Financial Officer
$4.14M
@ $613.75 · 2024-12-13
MILLER BRIAN K.
Chief Financial Officer
$1.58M
@ $632.01 · 2024-12-04
MARR JOHN S JR
Officer and Director
$3.80M
@ $633.55 · 2024-12-04
MOORE HORACE LYNN JR.
Chief Executive Officer
$2.05M
@ $631.41 · 2024-11-27
MARR JOHN S JR
Chairman of the Board
$7.36M
@ $613.66 · 2024-11-25
MARR JOHN S JR
Chairman of the Board
$6.79M
@ $616.88 · 2024-11-13
MILLER BRIAN K.
Chief Financial Officer
$1.56M
@ $624.41 · 2024-11-08
MOORE HORACE LYNN JR.
Chief Executive Officer
$5.45M
@ $623.02 · 2024-11-08
MILLER BRIAN K.
Chief Financial Officer
$3.03M
@ $606.71 · 2024-11-07
MOORE HORACE LYNN JR.
Chief Executive Officer
$3.79M
@ $605.82 · 2024-11-06
MOORE HORACE LYNN JR.
Chief Executive Officer
$2.88M
@ $576.62 · 2024-09-12
MOORE HORACE LYNN JR.
Chief Executive Officer
$2.95M
@ $590.98 · 2024-09-10
MILLER BRIAN K.
Chief Financial Officer
$1.47M
@ $586.04 · 2024-09-09
CARTER GLENN A.
Director
$1.95M
@ $582.57 · 2024-09-05
MILLER BRIAN K.
Chief Financial Officer
$2.94M
@ $587.97 · 2024-08-30
MARR JOHN S JR
Officer and Director
$5.79M
@ $578.51 · 2024-08-21
MARR JOHN S JR
Officer and Director
$5.75M
@ $575.50 · 2024-08-09
MILLER BRIAN K.
Chief Financial Officer
$2.58M
@ $573.36 · 2024-08-08
MOORE HORACE LYNN JR.
Chief Executive Officer
$3.60M
@ $576.49 · 2024-08-06
PUCKETT JEFFREY DAVID
Chief Operating Officer
$3.44M
@ $574.79 · 2024-07-31
POPE DANIEL M
Director
$159,022
@ $578.26 · 2024-07-29
MILLER BRIAN K.
Chief Financial Officer
$771,442
@ $482.15 · 2024-06-12
MARR JOHN S JR
Officer and Director
$5.81M
@ $484.08 · 2024-06-06
MARR JOHN S JR
Officer and Director
$5.84M
@ $486.70 · 2024-05-15
POPE DANIEL M
Director
$255,414
@ $491.18 · 2024-05-15
MOORE HORACE LYNN JR.
Chief Executive Officer
$5.39M
@ $479.22 · 2024-05-08
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.
TYL
😨Fear(38/100)
"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)
TYL
⚪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 (38)